Home > The First National Bank of La Follette > Performance and Condition Ratios
The First National Bank of La Follette, Performance and Condition Ratios
| 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 | 5.7592% | 1,381 |
| Cost of funding earning assets | 1.3919% | 3,326 |
| Net interest margin | 4.3673% | 1,593 |
| Noninterest income to average assets | 0.8431% | 2,090 |
| Noninterest expense to average assets | 4.1034% | 1,017 |
| Loan and lease loss provision to assets | 0.8414% | 1,950 |
| Net operating income to assets | -0.1848% | 6,098 |
| Return on assets (ROA) | -0.1692% | 6,129 |
| Pretax return on assets | -0.1692% | 6,062 |
| Return on Equity (ROE) | -1.9425% | 6,167 |
| Retained earnings to average equity (ytd only) | -1.9425% | 5,962 |
| Net charge-offs to loans | 1.0603% | 2,086 |
| Credit loss provision to net charge-offs | 117.5094% | 3,636 |
| Earnings coverage of net charge-offs (x) | 0.9170% | 5,195 |
| Efficiency ratio | 86.2057% | 1,675 |
| Assets per employee ($millions) | 3.3979% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 2.5749% | 2,707 |
| Noncurrent loans to loans | 1.8598% | 3,742 |
| Net loans and leases to total assets | 61.4940% | 4,396 |
| Net loans and leases to deposits | 68.7356% | 4,997 |
| Net loans and leases to core deposits | 74.4325% | 4,926 |
| Total domestic deposits to total assets | 89.4645% | 1,404 |
| Equity capital to assets | 8.9277% | 5,243 |
| Core capital (leverage) ratio | 8.6648% | 5,084 |
| Tier 1 risk-based capital ratio | 13.7578% | 4,013 |
| Total risk-based capital ratio | 13.7769% | 4,989 |
| Memoranda: | ||
| Average total assets | $185,041,600 | 3,296 |
| Average earning assets | $165,959,400 | 3,349 |
| Average equity | $16,113,000 | 3,736 |
| Average total loans | $124,960,800 | 3,214 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8472% | 1,259 |
| Cost of funding earning assets | 1.4258% | 3,423 |
| Net interest margin | 4.4214% | 1,458 |
| Noninterest income to average assets | 0.9142% | 1,744 |
| Noninterest expense to average assets | 4.2832% | 758 |
| Loan and lease loss provision to assets | 1.1089% | 1,311 |
| Net operating income to assets | -0.5169% | 6,604 |
| Return on assets (ROA) | -0.4958% | 6,634 |
| Pretax return on assets | -0.4958% | 6,553 |
| Return on Equity (ROE) | -5.7315% | 6,701 |
| Retained earnings to average equity (ytd only) | -5.7315% | 6,612 |
| Net charge-offs to loans | 1.4617% | 1,385 |
| Credit loss provision to net charge-offs | 109.7403% | 3,866 |
| Earnings coverage of net charge-offs (x) | 0.5859% | 5,434 |
| Efficiency ratio | 87.8570% | 1,461 |
| Assets per employee ($millions) | 3.1408% | 5,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3802% | 1,500 |
| Loan loss allowance to noncurrent loans | 156.6955% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 2.6136% | 2,767 |
| Noncurrent loans to loans | 1.5190% | 4,358 |
| Net loans and leases to total assets | 66.4825% | 3,573 |
| Net loans and leases to deposits | 74.6608% | 4,406 |
| Net loans and leases to core deposits | 79.2699% | 4,621 |
| Total domestic deposits to total assets | 89.0461% | 1,369 |
| Equity capital to assets | 9.0290% | 5,541 |
| Core capital (leverage) ratio | 8.4983% | 5,509 |
| Tier 1 risk-based capital ratio | 13.3428% | 4,317 |
| Total risk-based capital ratio | 14.5880% | 4,286 |
| Memoranda: | ||
| Average total assets | $182,882,250 | 3,383 |
| Average earning assets | $163,833,750 | 3,425 |
| Average equity | $15,818,500 | 3,840 |
| Average total loans | $126,425,750 | 3,243 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8953% | 1,199 |
| Cost of funding earning assets | 1.4148% | 3,784 |
| Net interest margin | 4.4805% | 1,247 |
| Noninterest income to average assets | 0.7406% | 2,453 |
| Noninterest expense to average assets | 4.3612% | 671 |
| Loan and lease loss provision to assets | 1.5377% | 855 |
| Net operating income to assets | -1.1620% | 7,012 |
| Return on assets (ROA) | -1.1359% | 7,019 |
| Pretax return on assets | -1.1359% | 6,947 |
| Return on Equity (ROE) | -13.3220% | 7,087 |
| Retained earnings to average equity (ytd only) | -13.3220% | 7,049 |
| Net charge-offs to loans | 1.9245% | 956 |
| Credit loss provision to net charge-offs | 115.0284% | 3,536 |
| Earnings coverage of net charge-offs (x) | 0.2811% | 5,446 |
| Efficiency ratio | 92.0679% | 1,182 |
| Assets per employee ($millions) | 2.8028% | 6,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3658% | 1,483 |
| Loan loss allowance to noncurrent loans | 118.9363% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 3.5294% | 1,987 |
| Noncurrent loans to loans | 1.9891% | 3,731 |
| Net loans and leases to total assets | 66.8712% | 3,644 |
| Net loans and leases to deposits | 75.5513% | 4,414 |
| Net loans and leases to core deposits | 80.2503% | 4,668 |
| Total domestic deposits to total assets | 88.5110% | 1,721 |
| Equity capital to assets | 8.5683% | 6,067 |
| Core capital (leverage) ratio | 8.2005% | 5,938 |
| Tier 1 risk-based capital ratio | 12.6634% | 4,719 |
| Total risk-based capital ratio | 13.9285% | 4,684 |
| Memoranda: | ||
| Average total assets | $184,168,670 | 3,383 |
| Average earning assets | $164,266,670 | 3,439 |
| Average equity | $15,703,330 | 3,856 |
| Average total loans | $127,927,330 | 3,236 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8971% | 1,208 |
| Cost of funding earning assets | 1.4281% | 4,003 |
| Net interest margin | 4.4690% | 1,211 |
| Noninterest income to average assets | 0.6740% | 2,780 |
| Noninterest expense to average assets | 4.8433% | 414 |
| Loan and lease loss provision to assets | 2.1624% | 498 |
| Net operating income to assets | -2.3569% | 7,528 |
| Return on assets (ROA) | -2.3180% | 7,529 |
| Pretax return on assets | -2.3180% | 7,480 |
| Return on Equity (ROE) | -27.2508% | 7,532 |
| Retained earnings to average equity (ytd only) | -27.2508% | 7,495 |
| Net charge-offs to loans | 3.3482% | 435 |
| Credit loss provision to net charge-offs | 92.3432% | 3,608 |
| Earnings coverage of net charge-offs (x) | -0.0830% | 5,086 |
| Efficiency ratio | 104.1822% | 721 |
| Assets per employee ($millions) | 2.7301% | 6,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0857% | 1,985 |
| Loan loss allowance to noncurrent loans | 92.6770% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 4.0035% | 1,714 |
| Noncurrent loans to loans | 2.2505% | 3,457 |
| Net loans and leases to total assets | 68.8588% | 3,188 |
| Net loans and leases to deposits | 76.8250% | 4,252 |
| Net loans and leases to core deposits | 81.9425% | 4,496 |
| Total domestic deposits to total assets | 89.6307% | 1,170 |
| Equity capital to assets | 8.3667% | 6,200 |
| Core capital (leverage) ratio | 8.0172% | 6,213 |
| Tier 1 risk-based capital ratio | 12.6357% | 4,613 |
| Total risk-based capital ratio | 13.8986% | 4,569 |
| Memoranda: | ||
| Average total assets | $185,161,500 | 3,428 |
| Average earning assets | $164,691,000 | 3,483 |
| Average equity | $15,750,000 | 3,878 |
| Average total loans | $129,501,000 | 3,267 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1447% | 1,392 |
| Cost of funding earning assets | 1.8364% | 3,802 |
| Net interest margin | 4.3083% | 1,696 |
| Noninterest income to average assets | 0.6799% | 3,088 |
| Noninterest expense to average assets | 3.7377% | 1,823 |
| Loan and lease loss provision to assets | 1.1445% | 1,991 |
| Net operating income to assets | -0.1685% | 5,795 |
| Return on assets (ROA) | -0.0796% | 5,658 |
| Pretax return on assets | -0.1810% | 5,681 |
| Return on Equity (ROE) | -0.9884% | 5,692 |
| Retained earnings to average equity (ytd only) | -0.9884% | 5,254 |
| Net charge-offs to loans | 2.4539% | 935 |
| Credit loss provision to net charge-offs | 65.7501% | 6,559 |
| Earnings coverage of net charge-offs (x) | 0.4737% | 5,637 |
| Efficiency ratio | 81.9270% | 2,608 |
| Assets per employee ($millions) | 2.7971% | 6,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1217% | 1,787 |
| Loan loss allowance to noncurrent loans | 108.4706% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 3.9849% | 1,659 |
| Noncurrent loans to loans | 1.9560% | 3,723 |
| Net loans and leases to total assets | 68.0867% | 3,689 |
| Net loans and leases to deposits | 75.9791% | 4,747 |
| Net loans and leases to core deposits | 103.4706% | 3,631 |
| Total domestic deposits to total assets | 89.6125% | 1,150 |
| Equity capital to assets | 8.6421% | 5,675 |
| Core capital (leverage) ratio | 8.6644% | 4,988 |
| Tier 1 risk-based capital ratio | 13.1476% | 4,047 |
| Total risk-based capital ratio | 14.3799% | 4,005 |
| Memoranda: | ||
| Average total assets | $192,228,400 | 3,264 |
| Average earning assets | $173,223,000 | 3,304 |
| Average equity | $15,479,600 | 3,974 |
| Average total loans | $136,353,800 | 3,147 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2513% | 1,244 |
| Cost of funding earning assets | 1.9342% | 3,691 |
| Net interest margin | 4.3171% | 1,688 |
| Noninterest income to average assets | 0.7327% | 2,810 |
| Noninterest expense to average assets | 3.8241% | 1,552 |
| Loan and lease loss provision to assets | 1.2379% | 1,567 |
| Net operating income to assets | -0.4494% | 6,376 |
| Return on assets (ROA) | -0.2674% | 6,170 |
| Pretax return on assets | -0.2350% | 6,031 |
| Return on Equity (ROE) | -3.3811% | 6,285 |
| Retained earnings to average equity (ytd only) | -3.3811% | 6,003 |
| Net charge-offs to loans | 2.8832% | 603 |
| Credit loss provision to net charge-offs | 60.2482% | 6,169 |
| Earnings coverage of net charge-offs (x) | 0.3995% | 5,628 |
| Efficiency ratio | 82.3268% | 2,537 |
| Assets per employee ($millions) | 2.6911% | 6,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0677% | 1,658 |
| Loan loss allowance to noncurrent loans | 128.5714% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 3.3733% | 1,990 |
| Noncurrent loans to loans | 1.6082% | 4,225 |
| Net loans and leases to total assets | 70.5805% | 3,368 |
| Net loans and leases to deposits | 78.7664% | 4,605 |
| Net loans and leases to core deposits | 109.6585% | 3,274 |
| Total domestic deposits to total assets | 89.6073% | 923 |
| Equity capital to assets | 8.8418% | 5,724 |
| Core capital (leverage) ratio | 8.4849% | 5,525 |
| Tier 1 risk-based capital ratio | 12.9627% | 4,215 |
| Total risk-based capital ratio | 14.1843% | 4,171 |
| Memoranda: | ||
| Average total assets | $193,433,500 | 3,276 |
| Average earning assets | $175,297,500 | 3,306 |
| Average equity | $15,300,500 | 4,041 |
| Average total loans | $137,850,750 | 3,156 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3589% | 1,082 |
| Cost of funding earning assets | 2.0492% | 3,524 |
| Net interest margin | 4.3098% | 1,631 |
| Noninterest income to average assets | 0.7516% | 2,694 |
| Noninterest expense to average assets | 3.7956% | 1,664 |
| Loan and lease loss provision to assets | 0.6592% | 2,450 |
| Net operating income to assets | 0.1662% | 5,363 |
| Return on assets (ROA) | 0.1706% | 5,455 |
| Pretax return on assets | 0.1940% | 5,483 |
| Return on Equity (ROE) | 2.2389% | 5,203 |
| Retained earnings to average equity (ytd only) | 2.2389% | 4,090 |
| Net charge-offs to loans | 2.3484% | 761 |
| Credit loss provision to net charge-offs | 39.5250% | 5,910 |
| Earnings coverage of net charge-offs (x) | 0.5085% | 5,193 |
| Efficiency ratio | 81.7367% | 2,755 |
| Assets per employee ($millions) | 2.6622% | 6,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1362% | 1,337 |
| Loan loss allowance to noncurrent loans | 172.5177% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 3.0488% | 2,078 |
| Noncurrent loans to loans | 1.2383% | 4,734 |
| Net loans and leases to total assets | 69.7642% | 3,763 |
| Net loans and leases to deposits | 78.9696% | 4,710 |
| Net loans and leases to core deposits | 110.7794% | 3,292 |
| Total domestic deposits to total assets | 88.3431% | 1,599 |
| Equity capital to assets | 7.8454% | 6,920 |
| Core capital (leverage) ratio | 7.5590% | 6,951 |
| Tier 1 risk-based capital ratio | 11.5543% | 5,328 |
| Total risk-based capital ratio | 12.8173% | 5,250 |
| Memoranda: | ||
| Average total assets | $196,913,330 | 3,259 |
| Average earning assets | $177,829,330 | 3,288 |
| Average equity | $15,007,330 | 4,113 |
| Average total loans | $139,839,330 | 3,146 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2791% | 1,363 |
| Cost of funding earning assets | 2.1683% | 3,327 |
| Net interest margin | 4.1109% | 2,239 |
| Noninterest income to average assets | 0.7598% | 2,543 |
| Noninterest expense to average assets | 3.5965% | 1,874 |
| Loan and lease loss provision to assets | 0.5112% | 2,429 |
| Net operating income to assets | 0.3554% | 5,045 |
| Return on assets (ROA) | 0.3649% | 5,179 |
| Pretax return on assets | 0.3869% | 5,436 |
| Return on Equity (ROE) | 4.8559% | 4,526 |
| Retained earnings to average equity (ytd only) | 4.8559% | 3,208 |
| Net charge-offs to loans | 0.9276% | 1,428 |
| Credit loss provision to net charge-offs | 77.7439% | 4,225 |
| Earnings coverage of net charge-offs (x) | 1.3506% | 4,063 |
| Efficiency ratio | 80.1967% | 2,781 |
| Assets per employee ($millions) | 2.6894% | 6,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7261% | 613 |
| Loan loss allowance to noncurrent loans | 80.0459% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 3.2526% | 1,696 |
| Noncurrent loans to loans | 3.4057% | 1,879 |
| Net loans and leases to total assets | 68.8322% | 3,949 |
| Net loans and leases to deposits | 75.5308% | 5,289 |
| Net loans and leases to core deposits | 106.4126% | 3,861 |
| Total domestic deposits to total assets | 91.1312% | 373 |
| Equity capital to assets | 7.6503% | 7,219 |
| Core capital (leverage) ratio | 7.2593% | 7,416 |
| Tier 1 risk-based capital ratio | 11.4137% | 5,491 |
| Total risk-based capital ratio | 12.6834% | 5,370 |
| Memoranda: | ||
| Average total assets | $199,530,000 | 3,249 |
| Average earning assets | $180,789,000 | 3,269 |
| Average equity | $14,992,000 | 4,145 |
| Average total loans | $141,437,500 | 3,144 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9828% | 1,181 |
| Cost of funding earning assets | 2.8017% | 2,702 |
| Net interest margin | 4.1812% | 2,388 |
| Noninterest income to average assets | 0.8594% | 2,167 |
| Noninterest expense to average assets | 4.6828% | 773 |
| Loan and lease loss provision to assets | 2.2275% | 513 |
| Net operating income to assets | -1.3665% | 7,415 |
| Return on assets (ROA) | -1.3494% | 7,352 |
| Pretax return on assets | -2.2154% | 7,511 |
| Return on Equity (ROE) | -16.0887% | 7,630 |
| Retained earnings to average equity (ytd only) | -17.2006% | 7,576 |
| Net charge-offs to loans | 1.1963% | 1,011 |
| Credit loss provision to net charge-offs | 255.8772% | 1,820 |
| Earnings coverage of net charge-offs (x) | -0.0168% | 6,252 |
| Efficiency ratio | 100.3131% | 969 |
| Assets per employee ($millions) | 2.6673% | 6,855 |
| Cash dividends to net income (ytd only)* | -6.9107% | 7,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7539% | 538 |
| Loan loss allowance to noncurrent loans | 107.0315% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 2.7029% | 1,752 |
| Noncurrent loans to loans | 2.5730% | 2,104 |
| Net loans and leases to total assets | 69.0533% | 4,243 |
| Net loans and leases to deposits | 76.4568% | 5,537 |
| Net loans and leases to core deposits | 109.1930% | 3,841 |
| Total domestic deposits to total assets | 90.3168% | 543 |
| Equity capital to assets | 7.3778% | 7,485 |
| Core capital (leverage) ratio | 7.3086% | 7,407 |
| Tier 1 risk-based capital ratio | 11.2118% | 5,529 |
| Total risk-based capital ratio | 12.4838% | 5,386 |
| Memoranda: | ||
| Average total assets | $198,384,400 | 3,162 |
| Average earning assets | $180,714,400 | 3,176 |
| Average equity | $16,639,000 | 3,798 |
| Average total loans | $144,362,800 | 3,016 |