Home > The First National Bank of Jasper > Performance and Condition Ratios
The First National Bank of Jasper, Performance and Condition Ratios
| 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 | 4.9819% | 5,101 |
| Cost of funding earning assets | 1.0581% | 6,096 |
| Net interest margin | 3.9238% | 3,228 |
| Noninterest income to average assets | 0.7228% | 2,444 |
| Noninterest expense to average assets | 2.6260% | 5,245 |
| Loan and lease loss provision to assets | 0.8257% | 1,534 |
| Net operating income to assets | 0.6626% | 3,602 |
| Return on assets (ROA) | 0.6626% | 3,716 |
| Pretax return on assets | 1.0181% | 3,023 |
| Return on Equity (ROE) | 9.2650% | 2,397 |
| Retained earnings to average equity (ytd only) | -20.0856% | 7,374 |
| Net charge-offs to loans | 0.2022% | 3,702 |
| Credit loss provision to net charge-offs | 655.5556% | 666 |
| Earnings coverage of net charge-offs (x) | 14.6389% | 1,418 |
| Efficiency ratio | 58.7508% | 6,372 |
| Assets per employee ($millions) | 4.3508% | 3,206 |
| Cash dividends to net income (ytd only)* | 316.7899% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5440% | 1,239 |
| Loan loss allowance to noncurrent loans | 122.7807% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 1.5429% | 4,186 |
| Noncurrent loans to loans | 2.0720% | 3,689 |
| Net loans and leases to total assets | 58.9388% | 5,294 |
| Net loans and leases to deposits | 66.0060% | 5,822 |
| Net loans and leases to core deposits | 88.0048% | 3,627 |
| Total domestic deposits to total assets | 89.2931% | 1,369 |
| Equity capital to assets | 7.0078% | 7,366 |
| Core capital (leverage) ratio | 6.5627% | 7,444 |
| Tier 1 risk-based capital ratio | 10.5345% | 6,604 |
| Total risk-based capital ratio | 11.7997% | 6,574 |
| Memoranda: | ||
| Average total assets | $571,660,500 | 1,219 |
| Average earning assets | $545,893,000 | 1,150 |
| Average equity | $40,885,000 | 1,635 |
| Average total loans | $356,008,500 | 1,329 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2022% | 5,640 |
| Cost of funding earning assets | 1.5540% | 5,262 |
| Net interest margin | 3.6481% | 4,358 |
| Noninterest income to average assets | 0.8708% | 2,072 |
| Noninterest expense to average assets | 2.5214% | 6,054 |
| Loan and lease loss provision to assets | 0.7243% | 2,946 |
| Net operating income to assets | 0.7520% | 2,712 |
| Return on assets (ROA) | 0.8766% | 2,323 |
| Pretax return on assets | 1.3131% | 1,661 |
| Return on Equity (ROE) | 11.0453% | 1,403 |
| Retained earnings to average equity (ytd only) | -8.1178% | 6,355 |
| Net charge-offs to loans | 0.4178% | 4,137 |
| Credit loss provision to net charge-offs | 254.0407% | 1,388 |
| Earnings coverage of net charge-offs (x) | 6.4941% | 2,353 |
| Efficiency ratio | 57.6600% | 6,813 |
| Assets per employee ($millions) | 4.3769% | 3,151 |
| Cash dividends to net income (ytd only)* | 173.4952% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1150% | 1,800 |
| Loan loss allowance to noncurrent loans | 99.9357% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 1.5807% | 4,009 |
| Noncurrent loans to loans | 2.1164% | 3,494 |
| Net loans and leases to total assets | 62.7094% | 4,863 |
| Net loans and leases to deposits | 69.4567% | 5,675 |
| Net loans and leases to core deposits | 102.3988% | 3,759 |
| Total domestic deposits to total assets | 90.2855% | 843 |
| Equity capital to assets | 7.2953% | 7,204 |
| Core capital (leverage) ratio | 6.9160% | 7,301 |
| Tier 1 risk-based capital ratio | 10.1283% | 6,762 |
| Total risk-based capital ratio | 11.3878% | 6,720 |
| Memoranda: | ||
| Average total assets | $568,581,600 | 1,221 |
| Average earning assets | $545,812,400 | 1,154 |
| Average equity | $45,123,200 | 1,489 |
| Average total loans | $387,996,000 | 1,243 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2331% | 5,745 |
| Cost of funding earning assets | 1.6508% | 5,160 |
| Net interest margin | 3.5823% | 4,548 |
| Noninterest income to average assets | 0.8732% | 2,091 |
| Noninterest expense to average assets | 2.5273% | 5,987 |
| Loan and lease loss provision to assets | 0.6039% | 2,972 |
| Net operating income to assets | 0.7904% | 2,854 |
| Return on assets (ROA) | 0.9543% | 2,280 |
| Pretax return on assets | 1.4386% | 1,596 |
| Return on Equity (ROE) | 11.7844% | 1,423 |
| Retained earnings to average equity (ytd only) | -4.9447% | 6,249 |
| Net charge-offs to loans | 0.3100% | 4,099 |
| Credit loss provision to net charge-offs | 281.1816% | 1,499 |
| Earnings coverage of net charge-offs (x) | 8.3534% | 2,259 |
| Efficiency ratio | 58.4829% | 6,653 |
| Assets per employee ($millions) | 4.4187% | 2,996 |
| Cash dividends to net income (ytd only)* | 141.9601% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8135% | 2,234 |
| Loan loss allowance to noncurrent loans | 92.1032% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 1.5962% | 3,960 |
| Noncurrent loans to loans | 1.9689% | 3,681 |
| Net loans and leases to total assets | 65.3002% | 4,576 |
| Net loans and leases to deposits | 73.3175% | 5,469 |
| Net loans and leases to core deposits | 109.0894% | 3,338 |
| Total domestic deposits to total assets | 89.0649% | 1,168 |
| Equity capital to assets | 7.7410% | 7,111 |
| Core capital (leverage) ratio | 7.3415% | 7,146 |
| Tier 1 risk-based capital ratio | 10.2256% | 6,755 |
| Total risk-based capital ratio | 11.4816% | 6,689 |
| Memoranda: | ||
| Average total assets | $567,384,750 | 1,234 |
| Average earning assets | $546,152,000 | 1,166 |
| Average equity | $45,946,750 | 1,489 |
| Average total loans | $393,163,750 | 1,237 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2789% | 5,750 |
| Cost of funding earning assets | 1.7472% | 5,030 |
| Net interest margin | 3.5316% | 4,653 |
| Noninterest income to average assets | 0.8722% | 2,091 |
| Noninterest expense to average assets | 2.5751% | 5,838 |
| Loan and lease loss provision to assets | 0.5069% | 3,003 |
| Net operating income to assets | 0.7961% | 2,870 |
| Return on assets (ROA) | 0.7961% | 2,965 |
| Pretax return on assets | 1.1822% | 2,357 |
| Return on Equity (ROE) | 9.6856% | 2,138 |
| Retained earnings to average equity (ytd only) | -2.7261% | 5,918 |
| Net charge-offs to loans | 0.4047% | 3,176 |
| Credit loss provision to net charge-offs | 178.3313% | 2,571 |
| Earnings coverage of net charge-offs (x) | 5.9427% | 2,725 |
| Efficiency ratio | 60.3885% | 6,482 |
| Assets per employee ($millions) | 4.2447% | 3,213 |
| Cash dividends to net income (ytd only)* | 128.1458% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 3,244 |
| Loan loss allowance to noncurrent loans | 91.3185% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 1.4886% | 4,003 |
| Noncurrent loans to loans | 1.6337% | 4,046 |
| Net loans and leases to total assets | 69.0177% | 3,941 |
| Net loans and leases to deposits | 77.4121% | 4,956 |
| Net loans and leases to core deposits | 114.9903% | 2,806 |
| Total domestic deposits to total assets | 89.1563% | 1,197 |
| Equity capital to assets | 8.0591% | 6,678 |
| Core capital (leverage) ratio | 7.6155% | 6,877 |
| Tier 1 risk-based capital ratio | 10.2399% | 6,661 |
| Total risk-based capital ratio | 11.4922% | 6,587 |
| Memoranda: | ||
| Average total assets | $565,035,670 | 1,259 |
| Average earning assets | $542,693,670 | 1,192 |
| Average equity | $46,440,000 | 1,484 |
| Average total loans | $396,874,000 | 1,251 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2833% | 5,959 |
| Cost of funding earning assets | 1.8140% | 5,050 |
| Net interest margin | 3.4692% | 4,854 |
| Noninterest income to average assets | 0.8470% | 2,092 |
| Noninterest expense to average assets | 2.4490% | 6,028 |
| Loan and lease loss provision to assets | 0.4713% | 2,592 |
| Net operating income to assets | 0.8463% | 2,922 |
| Return on assets (ROA) | 0.8463% | 3,073 |
| Pretax return on assets | 1.2652% | 2,390 |
| Return on Equity (ROE) | 10.1979% | 2,242 |
| Retained earnings to average equity (ytd only) | 10.1979% | 1,141 |
| Net charge-offs to loans | 0.1640% | 3,653 |
| Credit loss provision to net charge-offs | 408.5890% | 1,282 |
| Earnings coverage of net charge-offs (x) | 15.0552% | 1,626 |
| Efficiency ratio | 58.5123% | 6,623 |
| Assets per employee ($millions) | 4.1480% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 3,203 |
| Loan loss allowance to noncurrent loans | 90.0515% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.4905% | 3,696 |
| Noncurrent loans to loans | 1.6163% | 3,851 |
| Net loans and leases to total assets | 68.8054% | 3,953 |
| Net loans and leases to deposits | 77.8066% | 4,956 |
| Net loans and leases to core deposits | 115.1695% | 2,888 |
| Total domestic deposits to total assets | 88.4313% | 1,514 |
| Equity capital to assets | 8.3769% | 6,274 |
| Core capital (leverage) ratio | 7.9030% | 6,610 |
| Tier 1 risk-based capital ratio | 10.4723% | 6,425 |
| Total risk-based capital ratio | 11.7239% | 6,338 |
| Memoranda: | ||
| Average total assets | $565,284,000 | 1,259 |
| Average earning assets | $543,981,000 | 1,192 |
| Average equity | $46,911,500 | 1,470 |
| Average total loans | $397,544,500 | 1,261 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1330% | 4,879 |
| Cost of funding earning assets | 2.0597% | 6,197 |
| Net interest margin | 4.0733% | 2,821 |
| Noninterest income to average assets | 0.9037% | 1,945 |
| Noninterest expense to average assets | 2.3302% | 6,615 |
| Loan and lease loss provision to assets | 0.2977% | 4,001 |
| Net operating income to assets | 1.4135% | 1,201 |
| Return on assets (ROA) | 1.4135% | 1,154 |
| Pretax return on assets | 2.1789% | 418 |
| Return on Equity (ROE) | 17.1171% | 616 |
| Retained earnings to average equity (ytd only) | -2.9550% | 6,096 |
| Net charge-offs to loans | 0.2838% | 3,509 |
| Credit loss provision to net charge-offs | 148.7849% | 3,544 |
| Earnings coverage of net charge-offs (x) | 12.3780% | 2,252 |
| Efficiency ratio | 48.4770% | 7,769 |
| Assets per employee ($millions) | 4.0453% | 3,424 |
| Cash dividends to net income (ytd only)* | 117.2633% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 3,630 |
| Loan loss allowance to noncurrent loans | 801.2158% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 5,803 |
| Noncurrent loans to loans | 0.1652% | 6,902 |
| Net loans and leases to total assets | 69.8991% | 4,042 |
| Net loans and leases to deposits | 80.4091% | 4,974 |
| Net loans and leases to core deposits | 120.8444% | 2,616 |
| Total domestic deposits to total assets | 86.9294% | 1,968 |
| Equity capital to assets | 8.2197% | 6,525 |
| Core capital (leverage) ratio | 7.6956% | 6,942 |
| Tier 1 risk-based capital ratio | 9.8957% | 6,856 |
| Total risk-based capital ratio | 11.1384% | 6,740 |
| Memoranda: | ||
| Average total assets | $555,281,600 | 1,225 |
| Average earning assets | $532,069,400 | 1,161 |
| Average equity | $45,854,600 | 1,483 |
| Average total loans | $391,489,400 | 1,236 |