Home > The First National Bank of Litchfield > Performance and Condition Ratios
The First National Bank of Litchfield, 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 | 4.8942% | 5,485 |
| Cost of funding earning assets | 1.5694% | 3,141 |
| Net interest margin | 3.3248% | 5,888 |
| Noninterest income to average assets | 0.7695% | 2,177 |
| Noninterest expense to average assets | 3.1930% | 2,894 |
| Loan and lease loss provision to assets | 0.1144% | 5,467 |
| Net operating income to assets | 0.2833% | 5,357 |
| Return on assets (ROA) | 0.2189% | 5,736 |
| Pretax return on assets | 0.3058% | 5,582 |
| Return on Equity (ROE) | 2.9010% | 5,380 |
| Retained earnings to average equity (ytd only) | 2.9010% | 4,392 |
| Net charge-offs to loans | 0.1340% | 4,149 |
| Credit loss provision to net charge-offs | 120.0000% | 2,902 |
| Earnings coverage of net charge-offs (x) | 5.1680% | 2,449 |
| Efficiency ratio | 86.6336% | 1,727 |
| Assets per employee ($millions) | 4.3843% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6491% | 3,253 |
| Loan loss allowance to noncurrent loans | 49.9713% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 2.3968% | 3,035 |
| Noncurrent loans to loans | 3.3002% | 2,419 |
| Net loans and leases to total assets | 69.6468% | 3,021 |
| Net loans and leases to deposits | 100.0289% | 749 |
| Net loans and leases to core deposits | 104.9005% | 1,664 |
| Total domestic deposits to total assets | 69.6267% | 7,431 |
| Equity capital to assets | 7.6554% | 6,964 |
| Core capital (leverage) ratio | 7.3337% | 6,998 |
| Tier 1 risk-based capital ratio | 10.2162% | 6,874 |
| Total risk-based capital ratio | 11.4712% | 6,865 |
| Memoranda: | ||
| Average total assets | $524,528,500 | 1,326 |
| Average earning assets | $460,053,000 | 1,380 |
| Average equity | $39,572,000 | 1,699 |
| Average total loans | $373,114,500 | 1,276 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1855% | 5,717 |
| Cost of funding earning assets | 1.9039% | 3,446 |
| Net interest margin | 3.2816% | 5,811 |
| Noninterest income to average assets | 0.7197% | 2,850 |
| Noninterest expense to average assets | 3.2650% | 3,143 |
| Loan and lease loss provision to assets | 0.6771% | 3,114 |
| Net operating income to assets | -0.1305% | 5,725 |
| Return on assets (ROA) | -0.1000% | 5,681 |
| Pretax return on assets | -0.2368% | 5,747 |
| Return on Equity (ROE) | -1.4286% | 5,761 |
| Retained earnings to average equity (ytd only) | -1.4286% | 5,374 |
| Net charge-offs to loans | 0.3380% | 4,540 |
| Credit loss provision to net charge-offs | 282.2308% | 1,199 |
| Earnings coverage of net charge-offs (x) | 1.5792% | 4,558 |
| Efficiency ratio | 89.6024% | 1,740 |
| Assets per employee ($millions) | 4.2526% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 3,238 |
| Loan loss allowance to noncurrent loans | 48.8095% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 2.4167% | 2,879 |
| Noncurrent loans to loans | 3.2997% | 2,314 |
| Net loans and leases to total assets | 70.2979% | 3,184 |
| Net loans and leases to deposits | 99.9221% | 910 |
| Net loans and leases to core deposits | 122.5911% | 1,741 |
| Total domestic deposits to total assets | 70.3527% | 7,390 |
| Equity capital to assets | 7.4343% | 7,091 |
| Core capital (leverage) ratio | 7.0237% | 7,217 |
| Tier 1 risk-based capital ratio | 9.8307% | 6,997 |
| Total risk-based capital ratio | 11.0851% | 6,977 |
| Memoranda: | ||
| Average total assets | $541,875,000 | 1,278 |
| Average earning assets | $482,846,600 | 1,307 |
| Average equity | $37,938,000 | 1,763 |
| Average total loans | $384,653,200 | 1,249 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2603% | 5,633 |
| Cost of funding earning assets | 1.9536% | 3,603 |
| Net interest margin | 3.3067% | 5,616 |
| Noninterest income to average assets | 0.7227% | 2,861 |
| Noninterest expense to average assets | 3.2998% | 2,924 |
| Loan and lease loss provision to assets | 0.8481% | 2,260 |
| Net operating income to assets | -0.3123% | 6,217 |
| Return on assets (ROA) | -0.2847% | 6,190 |
| Pretax return on assets | -0.4197% | 6,221 |
| Return on Equity (ROE) | -4.1287% | 6,355 |
| Retained earnings to average equity (ytd only) | -4.1287% | 6,127 |
| Net charge-offs to loans | 0.3742% | 3,779 |
| Credit loss provision to net charge-offs | 319.8157% | 1,285 |
| Earnings coverage of net charge-offs (x) | 1.4129% | 4,722 |
| Efficiency ratio | 89.8031% | 1,705 |
| Assets per employee ($millions) | 4.4767% | 2,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5896% | 3,031 |
| Loan loss allowance to noncurrent loans | 51.9201% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 2.2274% | 3,059 |
| Noncurrent loans to loans | 3.0616% | 2,474 |
| Net loans and leases to total assets | 68.4049% | 3,864 |
| Net loans and leases to deposits | 97.9562% | 1,335 |
| Net loans and leases to core deposits | 122.4507% | 2,035 |
| Total domestic deposits to total assets | 69.8322% | 7,428 |
| Equity capital to assets | 7.0624% | 7,566 |
| Core capital (leverage) ratio | 6.5878% | 7,634 |
| Tier 1 risk-based capital ratio | 9.5396% | 7,342 |
| Total risk-based capital ratio | 10.7954% | 7,299 |
| Memoranda: | ||
| Average total assets | $545,513,000 | 1,283 |
| Average earning assets | $486,958,000 | 1,310 |
| Average equity | $37,621,750 | 1,803 |
| Average total loans | $386,625,250 | 1,261 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3368% | 5,462 |
| Cost of funding earning assets | 1.9917% | 3,815 |
| Net interest margin | 3.3451% | 5,386 |
| Noninterest income to average assets | 0.6385% | 3,425 |
| Noninterest expense to average assets | 3.0923% | 3,732 |
| Loan and lease loss provision to assets | 0.2898% | 4,258 |
| Net operating income to assets | 0.2333% | 5,150 |
| Return on assets (ROA) | 0.3130% | 4,949 |
| Pretax return on assets | 0.3748% | 5,001 |
| Return on Equity (ROE) | 4.5753% | 4,269 |
| Retained earnings to average equity (ytd only) | 4.5753% | 2,749 |
| Net charge-offs to loans | 0.2356% | 4,023 |
| Credit loss provision to net charge-offs | 172.4289% | 2,668 |
| Earnings coverage of net charge-offs (x) | 3.3676% | 3,460 |
| Efficiency ratio | 84.5280% | 2,416 |
| Assets per employee ($millions) | 4.4024% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 6,101 |
| Loan loss allowance to noncurrent loans | 45.0733% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 1.6731% | 3,682 |
| Noncurrent loans to loans | 2.2547% | 3,181 |
| Net loans and leases to total assets | 71.3282% | 3,397 |
| Net loans and leases to deposits | 103.3176% | 959 |
| Net loans and leases to core deposits | 128.2820% | 1,692 |
| Total domestic deposits to total assets | 69.0378% | 7,551 |
| Equity capital to assets | 7.2673% | 7,436 |
| Core capital (leverage) ratio | 7.2736% | 7,274 |
| Tier 1 risk-based capital ratio | 10.3027% | 6,590 |
| Total risk-based capital ratio | 11.3404% | 6,759 |
| Memoranda: | ||
| Average total assets | $543,805,330 | 1,303 |
| Average earning assets | $490,928,330 | 1,320 |
| Average equity | $37,199,670 | 1,833 |
| Average total loans | $387,918,330 | 1,276 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2510% | 6,111 |
| Cost of funding earning assets | 2.0125% | 4,070 |
| Net interest margin | 3.2385% | 5,727 |
| Noninterest income to average assets | 0.6601% | 3,135 |
| Noninterest expense to average assets | 2.9651% | 3,914 |
| Loan and lease loss provision to assets | 0.1998% | 4,442 |
| Net operating income to assets | 0.3737% | 4,963 |
| Return on assets (ROA) | 0.3589% | 5,209 |
| Pretax return on assets | 0.4418% | 5,264 |
| Return on Equity (ROE) | 5.4185% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.4185% | 2,890 |
| Net charge-offs to loans | 0.3910% | 2,533 |
| Credit loss provision to net charge-offs | 72.0000% | 4,317 |
| Earnings coverage of net charge-offs (x) | 2.3653% | 3,548 |
| Efficiency ratio | 81.8758% | 2,549 |
| Assets per employee ($millions) | 4.6573% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 6,714 |
| Loan loss allowance to noncurrent loans | 55.3349% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 1.2683% | 4,139 |
| Noncurrent loans to loans | 1.6397% | 3,814 |
| Net loans and leases to total assets | 71.4219% | 3,367 |
| Net loans and leases to deposits | 107.7440% | 745 |
| Net loans and leases to core deposits | 130.5056% | 1,631 |
| Total domestic deposits to total assets | 66.2885% | 7,716 |
| Equity capital to assets | 6.9106% | 7,718 |
| Core capital (leverage) ratio | 6.6465% | 7,822 |
| Tier 1 risk-based capital ratio | 9.2631% | 7,616 |
| Total risk-based capital ratio | 10.1997% | 7,860 |
| Memoranda: | ||
| Average total assets | $540,556,500 | 1,310 |
| Average earning assets | $494,306,000 | 1,314 |
| Average equity | $35,803,500 | 1,911 |
| Average total loans | $383,602,000 | 1,299 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8899% | 6,087 |
| Cost of funding earning assets | 2.6378% | 3,497 |
| Net interest margin | 3.2521% | 6,206 |
| Noninterest income to average assets | 0.6663% | 3,364 |
| Noninterest expense to average assets | 2.9148% | 4,398 |
| Loan and lease loss provision to assets | 0.3502% | 3,594 |
| Net operating income to assets | 0.3141% | 5,498 |
| Return on assets (ROA) | -0.7707% | 7,020 |
| Pretax return on assets | -1.3202% | 7,175 |
| Return on Equity (ROE) | -12.4031% | 7,454 |
| Retained earnings to average equity (ytd only) | -16.7780% | 7,560 |
| Net charge-offs to loans | 0.0836% | 5,563 |
| Credit loss provision to net charge-offs | 635.2941% | 671 |
| Earnings coverage of net charge-offs (x) | 13.1488% | 2,164 |
| Efficiency ratio | 80.0839% | 2,589 |
| Assets per employee ($millions) | 4.5824% | 2,496 |
| Cash dividends to net income (ytd only)* | -35.2723% | 8,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 6,087 |
| Loan loss allowance to noncurrent loans | 41.5431% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 1.6751% | 2,904 |
| Noncurrent loans to loans | 2.3993% | 2,290 |
| Net loans and leases to total assets | 69.1192% | 4,225 |
| Net loans and leases to deposits | 104.2029% | 1,321 |
| Net loans and leases to core deposits | 117.9160% | 2,899 |
| Total domestic deposits to total assets | 66.3313% | 7,636 |
| Equity capital to assets | 6.3266% | 7,989 |
| Core capital (leverage) ratio | 6.1026% | 8,049 |
| Tier 1 risk-based capital ratio | 8.4287% | 8,008 |
| Total risk-based capital ratio | 9.4318% | 8,094 |
| Memoranda: | ||
| Average total assets | $524,229,000 | 1,287 |
| Average earning assets | $479,293,200 | 1,289 |
| Average equity | $32,572,400 | 2,080 |
| Average total loans | $345,551,000 | 1,406 |