Home > The First National Bank of Friend > Performance and Condition Ratios
The First National Bank of Friend, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7560% | 7,006 |
| Cost of funding earning assets | 1.0843% | 3,631 |
| Net interest margin | 2.6717% | 7,046 |
| Noninterest income to average assets | 0.1751% | 6,476 |
| Noninterest expense to average assets | 2.0290% | 6,780 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6077% | 3,995 |
| Return on assets (ROA) | 0.6077% | 4,062 |
| Pretax return on assets | 0.6077% | 4,656 |
| Return on Equity (ROE) | 5.9868% | 3,908 |
| Retained earnings to average equity (ytd only) | 1.4206% | 5,252 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9531% | 2,993 |
| Assets per employee ($millions) | 6.5533% | 906 |
| Cash dividends to net income (ytd only)* | 76.2712% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0208% | 2,356 |
| Loan loss allowance to noncurrent loans | 1,147.3684% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 6,925 |
| Noncurrent loans to loans | 0.1761% | 6,612 |
| Net loans and leases to total assets | 53.7640% | 5,333 |
| Net loans and leases to deposits | 66.0811% | 4,966 |
| Net loans and leases to core deposits | 67.7390% | 5,326 |
| Total domestic deposits to total assets | 81.3606% | 5,545 |
| Equity capital to assets | 10.0458% | 3,718 |
| Core capital (leverage) ratio | 9.7581% | 3,436 |
| Tier 1 risk-based capital ratio | 16.9629% | 2,491 |
| Total risk-based capital ratio | 18.2198% | 2,462 |
| Memoranda: | ||
| Average total assets | $38,836,000 | 6,875 |
| Average earning assets | $35,783,000 | 6,851 |
| Average equity | $3,942,000 | 6,898 |
| Average total loans | $24,087,000 | 6,643 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0062% | 4,528 |
| Cost of funding earning assets | 1.2529% | 4,197 |
| Net interest margin | 3.7533% | 4,140 |
| Noninterest income to average assets | 0.4246% | 4,710 |
| Noninterest expense to average assets | 2.4126% | 6,064 |
| Loan and lease loss provision to assets | 0.2746% | 4,608 |
| Net operating income to assets | 1.1607% | 1,508 |
| Return on assets (ROA) | 1.2076% | 1,472 |
| Pretax return on assets | 1.2432% | 2,092 |
| Return on Equity (ROE) | 12.4980% | 1,223 |
| Retained earnings to average equity (ytd only) | 5.9201% | 1,865 |
| Net charge-offs to loans | -0.0872% | 7,491 |
| Credit loss provision to net charge-offs | -432.0000% | 7,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1480% | 5,704 |
| Assets per employee ($millions) | 6.3920% | 993 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 3,428 |
| Loan loss allowance to noncurrent loans | 889.7959% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 6,920 |
| Noncurrent loans to loans | 0.1842% | 6,701 |
| Net loans and leases to total assets | 68.2155% | 2,928 |
| Net loans and leases to deposits | 85.0382% | 2,273 |
| Net loans and leases to core deposits | 87.2532% | 3,146 |
| Total domestic deposits to total assets | 80.2175% | 5,774 |
| Equity capital to assets | 10.2576% | 3,437 |
| Core capital (leverage) ratio | 9.9967% | 3,098 |
| Tier 1 risk-based capital ratio | 14.6321% | 3,458 |
| Total risk-based capital ratio | 15.8875% | 3,419 |
| Memoranda: | ||
| Average total assets | $39,334,600 | 6,885 |
| Average earning assets | $36,234,800 | 6,870 |
| Average equity | $3,800,600 | 7,058 |
| Average total loans | $28,656,000 | 6,462 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0617% | 4,532 |
| Cost of funding earning assets | 1.2875% | 4,310 |
| Net interest margin | 3.7742% | 4,077 |
| Noninterest income to average assets | 0.2291% | 6,262 |
| Noninterest expense to average assets | 2.4624% | 5,847 |
| Loan and lease loss provision to assets | 0.3638% | 3,713 |
| Net operating income to assets | 0.8306% | 2,881 |
| Return on assets (ROA) | 0.8927% | 2,787 |
| Pretax return on assets | 0.9230% | 3,476 |
| Return on Equity (ROE) | 9.3787% | 2,357 |
| Retained earnings to average equity (ytd only) | 4.7071% | 3,187 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8190% | 4,695 |
| Assets per employee ($millions) | 6.4167% | 1,010 |
| Cash dividends to net income (ytd only)* | 49.8132% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 4,925 |
| Loan loss allowance to noncurrent loans | 153.9326% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 5,730 |
| Noncurrent loans to loans | 0.8493% | 5,523 |
| Net loans and leases to total assets | 80.5844% | 653 |
| Net loans and leases to deposits | 100.2844% | 642 |
| Net loans and leases to core deposits | 102.9226% | 1,572 |
| Total domestic deposits to total assets | 80.3558% | 5,593 |
| Equity capital to assets | 10.0052% | 4,151 |
| Core capital (leverage) ratio | 9.7262% | 3,583 |
| Tier 1 risk-based capital ratio | 12.6538% | 4,850 |
| Total risk-based capital ratio | 13.9040% | 4,837 |
| Memoranda: | ||
| Average total assets | $39,580,250 | 6,958 |
| Average earning assets | $36,245,250 | 6,948 |
| Average equity | $3,767,250 | 7,159 |
| Average total loans | $29,170,500 | 6,527 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 4,792 |
| Cost of funding earning assets | 1.3091% | 4,480 |
| Net interest margin | 3.7229% | 4,259 |
| Noninterest income to average assets | 0.2253% | 6,303 |
| Noninterest expense to average assets | 2.7140% | 4,851 |
| Loan and lease loss provision to assets | 0.4907% | 2,845 |
| Net operating income to assets | 0.3713% | 4,890 |
| Return on assets (ROA) | 0.4607% | 4,661 |
| Pretax return on assets | 0.4907% | 4,933 |
| Return on Equity (ROE) | 4.9211% | 4,324 |
| Retained earnings to average equity (ytd only) | -0.1605% | 5,767 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3825% | 3,187 |
| Assets per employee ($millions) | 4.9653% | 2,223 |
| Cash dividends to net income (ytd only)* | 103.2609% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 4,410 |
| Loan loss allowance to noncurrent loans | 336.9748% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 6,658 |
| Noncurrent loans to loans | 0.4158% | 6,411 |
| Net loans and leases to total assets | 71.0337% | 2,645 |
| Net loans and leases to deposits | 89.0291% | 1,999 |
| Net loans and leases to core deposits | 91.3701% | 3,078 |
| Total domestic deposits to total assets | 79.7870% | 5,793 |
| Equity capital to assets | 9.3349% | 4,954 |
| Core capital (leverage) ratio | 9.2855% | 4,145 |
| Tier 1 risk-based capital ratio | 12.9506% | 4,491 |
| Total risk-based capital ratio | 14.2037% | 4,442 |
| Memoranda: | ||
| Average total assets | $39,940,330 | 7,002 |
| Average earning assets | $36,208,330 | 6,993 |
| Average equity | $3,739,000 | 7,201 |
| Average total loans | $28,415,330 | 6,608 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7658% | 6,015 |
| Cost of funding earning assets | 1.3114% | 4,744 |
| Net interest margin | 3.4544% | 5,358 |
| Noninterest income to average assets | 0.2297% | 6,310 |
| Noninterest expense to average assets | 2.7566% | 4,669 |
| Loan and lease loss provision to assets | 0.1498% | 5,050 |
| Net operating income to assets | 0.5293% | 4,237 |
| Return on assets (ROA) | 0.5293% | 4,377 |
| Pretax return on assets | 0.5593% | 4,757 |
| Return on Equity (ROE) | 5.6466% | 4,037 |
| Retained earnings to average equity (ytd only) | 2.4504% | 4,666 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5389% | 2,641 |
| Assets per employee ($millions) | 3.9390% | 4,020 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 5,787 |
| Loan loss allowance to noncurrent loans | 548.2759% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 7,116 |
| Noncurrent loans to loans | 0.2094% | 6,917 |
| Net loans and leases to total assets | 69.4999% | 3,053 |
| Net loans and leases to deposits | 85.7214% | 2,643 |
| Net loans and leases to core deposits | 87.9494% | 3,630 |
| Total domestic deposits to total assets | 81.0764% | 5,434 |
| Equity capital to assets | 9.5303% | 4,487 |
| Core capital (leverage) ratio | 9.3325% | 3,995 |
| Tier 1 risk-based capital ratio | 13.5069% | 3,980 |
| Total risk-based capital ratio | 14.6596% | 4,000 |
| Memoranda: | ||
| Average total assets | $40,049,500 | 7,086 |
| Average earning assets | $37,517,500 | 7,035 |
| Average equity | $3,754,500 | 7,267 |
| Average total loans | $28,314,500 | 6,696 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1585% | 5,838 |
| Cost of funding earning assets | 1.6678% | 4,685 |
| Net interest margin | 3.4906% | 5,002 |
| Noninterest income to average assets | 0.2028% | 6,656 |
| Noninterest expense to average assets | 2.6682% | 5,519 |
| Loan and lease loss provision to assets | 0.1236% | 6,404 |
| Net operating income to assets | 0.6677% | 3,071 |
| Return on assets (ROA) | 0.6677% | 3,123 |
| Pretax return on assets | 0.6973% | 3,585 |
| Return on Equity (ROE) | 7.1591% | 2,731 |
| Retained earnings to average equity (ytd only) | 0.3977% | 4,686 |
| Net charge-offs to loans | 0.0072% | 7,133 |
| Credit loss provision to net charge-offs | 2,500.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 166.0000% | 175 |
| Efficiency ratio | 76.4706% | 3,444 |
| Assets per employee ($millions) | 4.0709% | 3,673 |
| Cash dividends to net income (ytd only)* | 94.4444% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 6,144 |
| Loan loss allowance to noncurrent loans | 505.0000% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 7,111 |
| Noncurrent loans to loans | 0.2074% | 6,908 |
| Net loans and leases to total assets | 70.3333% | 3,175 |
| Net loans and leases to deposits | 86.8610% | 2,763 |
| Net loans and leases to core deposits | 96.8836% | 4,364 |
| Total domestic deposits to total assets | 80.9723% | 5,349 |
| Equity capital to assets | 9.2240% | 4,813 |
| Core capital (leverage) ratio | 9.0738% | 4,297 |
| Tier 1 risk-based capital ratio | 12.6829% | 4,379 |
| Total risk-based capital ratio | 13.7209% | 4,492 |
| Memoranda: | ||
| Average total assets | $40,439,400 | 7,078 |
| Average earning assets | $38,073,200 | 7,012 |
| Average equity | $3,771,400 | 7,362 |
| Average total loans | $27,900,800 | 6,746 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1502% | 6,109 |
| Cost of funding earning assets | 1.7086% | 4,854 |
| Net interest margin | 3.4417% | 5,105 |
| Noninterest income to average assets | 0.1948% | 6,823 |
| Noninterest expense to average assets | 2.6618% | 5,483 |
| Loan and lease loss provision to assets | 0.1486% | 5,869 |
| Net operating income to assets | 0.5978% | 3,610 |
| Return on assets (ROA) | 0.5978% | 3,664 |
| Pretax return on assets | 0.6374% | 4,062 |
| Return on Equity (ROE) | 6.3920% | 3,355 |
| Retained earnings to average equity (ytd only) | 1.0595% | 4,726 |
| Net charge-offs to loans | 0.0048% | 6,904 |
| Credit loss provision to net charge-offs | 4,500.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 238.5940% | 162 |
| Efficiency ratio | 77.2031% | 3,286 |
| Assets per employee ($millions) | 4.1590% | 3,445 |
| Cash dividends to net income (ytd only)* | 83.4252% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 6,083 |
| Loan loss allowance to noncurrent loans | 77.0619% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9329% | 5,205 |
| Noncurrent loans to loans | 1.3435% | 4,691 |
| Net loans and leases to total assets | 68.7208% | 3,792 |
| Net loans and leases to deposits | 92.6481% | 2,124 |
| Net loans and leases to core deposits | 103.7197% | 3,974 |
| Total domestic deposits to total assets | 74.1741% | 6,915 |
| Equity capital to assets | 9.0695% | 5,380 |
| Core capital (leverage) ratio | 8.9622% | 4,701 |
| Tier 1 risk-based capital ratio | 12.9211% | 4,251 |
| Total risk-based capital ratio | 13.9604% | 4,336 |
| Memoranda: | ||
| Average total assets | $40,372,000 | 7,129 |
| Average earning assets | $38,159,000 | 7,064 |
| Average equity | $3,775,500 | 7,426 |
| Average total loans | $27,642,250 | 6,822 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1982% | 6,081 |
| Cost of funding earning assets | 1.7628% | 4,941 |
| Net interest margin | 3.4354% | 5,045 |
| Noninterest income to average assets | 0.1751% | 7,043 |
| Noninterest expense to average assets | 2.7173% | 5,315 |
| Loan and lease loss provision to assets | 0.1501% | 5,569 |
| Net operating income to assets | 0.5054% | 4,069 |
| Return on assets (ROA) | 0.5054% | 4,190 |
| Pretax return on assets | 0.5455% | 4,481 |
| Return on Equity (ROE) | 5.3486% | 3,937 |
| Retained earnings to average equity (ytd only) | 0.5296% | 4,989 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6188% | 3,109 |
| Assets per employee ($millions) | 4.1794% | 3,331 |
| Cash dividends to net income (ytd only)* | 90.0990% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 5,887 |
| Loan loss allowance to noncurrent loans | 82.3699% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.8279% | 5,334 |
| Noncurrent loans to loans | 1.2787% | 4,642 |
| Net loans and leases to total assets | 64.0618% | 4,968 |
| Net loans and leases to deposits | 78.8793% | 4,719 |
| Net loans and leases to core deposits | 88.7997% | 5,652 |
| Total domestic deposits to total assets | 81.2150% | 4,991 |
| Equity capital to assets | 9.0085% | 5,301 |
| Core capital (leverage) ratio | 9.0193% | 4,590 |
| Tier 1 risk-based capital ratio | 13.5372% | 3,796 |
| Total risk-based capital ratio | 14.5807% | 3,848 |
| Memoranda: | ||
| Average total assets | $39,966,000 | 7,209 |
| Average earning assets | $37,667,000 | 7,150 |
| Average equity | $3,776,670 | 7,486 |
| Average total loans | $27,229,670 | 6,897 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2927% | 5,922 |
| Cost of funding earning assets | 1.8296% | 4,980 |
| Net interest margin | 3.4632% | 4,885 |
| Noninterest income to average assets | 0.1741% | 7,061 |
| Noninterest expense to average assets | 2.4787% | 5,918 |
| Loan and lease loss provision to assets | 0.1536% | 4,967 |
| Net operating income to assets | 0.7580% | 3,310 |
| Return on assets (ROA) | 0.7580% | 3,486 |
| Pretax return on assets | 0.7989% | 4,079 |
| Return on Equity (ROE) | 7.8255% | 3,231 |
| Retained earnings to average equity (ytd only) | 3.2783% | 4,052 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2388% | 4,151 |
| Assets per employee ($millions) | 4.0042% | 3,655 |
| Cash dividends to net income (ytd only)* | 58.1081% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 6,317 |
| Loan loss allowance to noncurrent loans | 74.1758% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 4,917 |
| Noncurrent loans to loans | 1.3196% | 4,338 |
| Net loans and leases to total assets | 68.2159% | 4,082 |
| Net loans and leases to deposits | 84.6950% | 3,867 |
| Net loans and leases to core deposits | 95.8690% | 4,982 |
| Total domestic deposits to total assets | 80.5429% | 5,156 |
| Equity capital to assets | 9.4426% | 4,753 |
| Core capital (leverage) ratio | 9.4310% | 4,068 |
| Tier 1 risk-based capital ratio | 13.5333% | 3,842 |
| Total risk-based capital ratio | 14.5161% | 3,934 |
| Memoranda: | ||
| Average total assets | $39,052,000 | 7,294 |
| Average earning assets | $36,729,500 | 7,230 |
| Average equity | $3,782,500 | 7,524 |
| Average total loans | $27,315,000 | 6,922 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3885% | 3,477 |
| Cost of funding earning assets | 2.2753% | 5,266 |
| Net interest margin | 4.1132% | 2,654 |
| Noninterest income to average assets | 0.1706% | 7,201 |
| Noninterest expense to average assets | 2.7049% | 5,245 |
| Loan and lease loss provision to assets | 0.1066% | 6,013 |
| Net operating income to assets | 1.1513% | 1,936 |
| Return on assets (ROA) | 1.1513% | 1,864 |
| Pretax return on assets | 1.1939% | 2,666 |
| Return on Equity (ROE) | 11.4135% | 1,789 |
| Retained earnings to average equity (ytd only) | 0.3699% | 5,022 |
| Net charge-offs to loans | 0.1981% | 4,213 |
| Credit loss provision to net charge-offs | 72.7273% | 6,036 |
| Earnings coverage of net charge-offs (x) | 8.8727% | 2,804 |
| Efficiency ratio | 67.5316% | 4,811 |
| Assets per employee ($millions) | 3.8062% | 3,942 |
| Cash dividends to net income (ytd only)* | 96.7593% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 6,433 |
| Loan loss allowance to noncurrent loans | 66.7539% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 1.0036% | 4,321 |
| Noncurrent loans to loans | 1.4125% | 3,693 |
| Net loans and leases to total assets | 70.3852% | 3,930 |
| Net loans and leases to deposits | 84.1342% | 4,406 |
| Net loans and leases to core deposits | 90.4518% | 5,762 |
| Total domestic deposits to total assets | 83.6582% | 3,498 |
| Equity capital to assets | 9.9417% | 4,108 |
| Core capital (leverage) ratio | 9.7962% | 3,650 |
| Tier 1 risk-based capital ratio | 13.7298% | 3,676 |
| Total risk-based capital ratio | 14.6794% | 3,764 |
| Memoranda: | ||
| Average total assets | $37,524,400 | 7,327 |
| Average earning assets | $34,984,600 | 7,287 |
| Average equity | $3,785,000 | 7,583 |
| Average total loans | $27,760,400 | 6,858 |