Home > The First National Bank of Mineola > Performance and Condition Ratios
The First National Bank of Mineola, 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 | 3.3426% | 7,434 |
| Cost of funding earning assets | 0.6767% | 6,941 |
| Net interest margin | 2.6659% | 7,156 |
| Noninterest income to average assets | 1.7937% | 473 |
| Noninterest expense to average assets | 4.1191% | 1,007 |
| Loan and lease loss provision to assets | 0.0101% | 6,984 |
| Net operating income to assets | 0.0909% | 5,609 |
| Return on assets (ROA) | 1.1072% | 1,760 |
| Pretax return on assets | 1.1072% | 2,552 |
| Return on Equity (ROE) | 12.9030% | 1,114 |
| Retained earnings to average equity (ytd only) | 12.9030% | 216 |
| Net charge-offs to loans | 0.0457% | 6,348 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,766 |
| Efficiency ratio | 97.6077% | 887 |
| Assets per employee ($millions) | 1.7331% | 7,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 5,744 |
| Loan loss allowance to noncurrent loans | 66.9643% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.1360% | 4,741 |
| Noncurrent loans to loans | 1.7146% | 3,931 |
| Net loans and leases to total assets | 23.2853% | 7,482 |
| Net loans and leases to deposits | 25.6220% | 7,516 |
| Net loans and leases to core deposits | 25.6220% | 7,516 |
| Total domestic deposits to total assets | 90.8799% | 662 |
| Equity capital to assets | 8.1608% | 6,306 |
| Core capital (leverage) ratio | 9.0868% | 4,379 |
| Tier 1 risk-based capital ratio | 28.2406% | 588 |
| Total risk-based capital ratio | 29.0447% | 610 |
| Memoranda: | ||
| Average total assets | $29,715,200 | 7,213 |
| Average earning assets | $27,045,000 | 7,194 |
| Average equity | $2,549,800 | 7,386 |
| Average total loans | $6,570,400 | 7,509 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5212% | 7,524 |
| Cost of funding earning assets | 0.7217% | 7,002 |
| Net interest margin | 2.7996% | 7,133 |
| Noninterest income to average assets | 2.1360% | 346 |
| Noninterest expense to average assets | 3.9675% | 1,085 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7194% | 3,322 |
| Return on assets (ROA) | 2.0477% | 333 |
| Pretax return on assets | 2.0477% | 560 |
| Return on Equity (ROE) | 23.5991% | 149 |
| Retained earnings to average equity (ytd only) | 23.5991% | 42 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6516% | 1,768 |
| Assets per employee ($millions) | 1.8045% | 7,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 5,617 |
| Loan loss allowance to noncurrent loans | 227.2727% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.7724% | 5,561 |
| Noncurrent loans to loans | 0.5163% | 6,163 |
| Net loans and leases to total assets | 21.8793% | 7,598 |
| Net loans and leases to deposits | 24.5063% | 7,630 |
| Net loans and leases to core deposits | 24.5063% | 7,635 |
| Total domestic deposits to total assets | 89.2803% | 1,239 |
| Equity capital to assets | 9.6668% | 4,592 |
| Core capital (leverage) ratio | 9.3645% | 4,108 |
| Tier 1 risk-based capital ratio | 26.7950% | 711 |
| Total risk-based capital ratio | 27.5208% | 737 |
| Memoranda: | ||
| Average total assets | $30,211,500 | 7,286 |
| Average earning assets | $27,527,500 | 7,262 |
| Average equity | $2,621,500 | 7,466 |
| Average total loans | $6,580,000 | 7,605 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8001% | 7,483 |
| Cost of funding earning assets | 0.7872% | 6,957 |
| Net interest margin | 3.0128% | 6,801 |
| Noninterest income to average assets | 2.7595% | 238 |
| Noninterest expense to average assets | 4.0055% | 1,043 |
| Loan and lease loss provision to assets | 0.0783% | 6,159 |
| Net operating income to assets | 1.4221% | 1,047 |
| Return on assets (ROA) | 2.3289% | 199 |
| Pretax return on assets | 2.3289% | 313 |
| Return on Equity (ROE) | 27.8363% | 75 |
| Retained earnings to average equity (ytd only) | 27.8363% | 31 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7488% | 3,701 |
| Assets per employee ($millions) | 1.8669% | 7,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 4,761 |
| Loan loss allowance to noncurrent loans | 790.9091% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.6729% | 5,801 |
| Noncurrent loans to loans | 0.1684% | 6,923 |
| Net loans and leases to total assets | 21.5761% | 7,670 |
| Net loans and leases to deposits | 24.2704% | 7,703 |
| Net loans and leases to core deposits | 24.2704% | 7,703 |
| Total domestic deposits to total assets | 88.8989% | 1,495 |
| Equity capital to assets | 9.7888% | 4,282 |
| Core capital (leverage) ratio | 8.6948% | 5,081 |
| Tier 1 risk-based capital ratio | 24.6345% | 879 |
| Total risk-based capital ratio | 25.4396% | 902 |
| Memoranda: | ||
| Average total assets | $30,658,000 | 7,322 |
| Average earning assets | $27,947,000 | 7,301 |
| Average equity | $2,565,000 | 7,533 |
| Average total loans | $6,642,670 | 7,671 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1052% | 7,373 |
| Cost of funding earning assets | 0.8746% | 6,858 |
| Net interest margin | 3.2305% | 6,193 |
| Noninterest income to average assets | 0.7214% | 2,457 |
| Noninterest expense to average assets | 3.9032% | 1,161 |
| Loan and lease loss provision to assets | 0.0773% | 5,868 |
| Net operating income to assets | -0.3092% | 6,678 |
| Return on assets (ROA) | 0.6312% | 3,878 |
| Pretax return on assets | 0.6312% | 4,485 |
| Return on Equity (ROE) | 8.2163% | 2,774 |
| Retained earnings to average equity (ytd only) | 8.2163% | 1,616 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3158% | 673 |
| Assets per employee ($millions) | 1.9320% | 7,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 5,453 |
| Loan loss allowance to noncurrent loans | 270.0000% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.7117% | 5,739 |
| Noncurrent loans to loans | 0.4481% | 6,405 |
| Net loans and leases to total assets | 21.3962% | 7,769 |
| Net loans and leases to deposits | 23.4864% | 7,808 |
| Net loans and leases to core deposits | 23.4864% | 7,805 |
| Total domestic deposits to total assets | 91.1005% | 503 |
| Equity capital to assets | 7.7349% | 6,900 |
| Core capital (leverage) ratio | 7.5811% | 6,760 |
| Tier 1 risk-based capital ratio | 21.1443% | 1,317 |
| Total risk-based capital ratio | 21.8719% | 1,379 |
| Memoranda: | ||
| Average total assets | $31,051,500 | 7,405 |
| Average earning assets | $28,354,500 | 7,379 |
| Average equity | $2,385,500 | 7,668 |
| Average total loans | $6,698,000 | 7,767 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 7,476 |
| Cost of funding earning assets | 1.1645% | 6,783 |
| Net interest margin | 3.2377% | 5,966 |
| Noninterest income to average assets | 0.9538% | 1,733 |
| Noninterest expense to average assets | 4.1690% | 1,133 |
| Loan and lease loss provision to assets | 0.0555% | 7,011 |
| Net operating income to assets | -0.3295% | 6,009 |
| Return on assets (ROA) | 0.3538% | 4,404 |
| Pretax return on assets | 0.3538% | 4,629 |
| Return on Equity (ROE) | 4.1711% | 4,014 |
| Retained earnings to average equity (ytd only) | 0.0818% | 4,857 |
| Net charge-offs to loans | 0.2305% | 5,168 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | -4.9375% | 7,107 |
| Efficiency ratio | 107.0347% | 869 |
| Assets per employee ($millions) | 2.0794% | 7,679 |
| Cash dividends to net income (ytd only)* | 98.0392% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 5,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 5,931 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 21.2433% | 7,853 |
| Net loans and leases to deposits | 23.2769% | 7,890 |
| Net loans and leases to core deposits | 26.0446% | 7,892 |
| Total domestic deposits to total assets | 91.2635% | 447 |
| Equity capital to assets | 7.6304% | 6,920 |
| Core capital (leverage) ratio | 7.6634% | 6,598 |
| Tier 1 risk-based capital ratio | 20.5089% | 1,372 |
| Total risk-based capital ratio | 21.1763% | 1,442 |
| Memoranda: | ||
| Average total assets | $28,831,800 | 7,512 |
| Average earning assets | $26,191,800 | 7,499 |
| Average equity | $2,445,400 | 7,745 |
| Average total loans | $6,941,400 | 7,827 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 7,549 |
| Cost of funding earning assets | 1.2293% | 6,804 |
| Net interest margin | 3.2348% | 5,899 |
| Noninterest income to average assets | 0.9820% | 1,667 |
| Noninterest expense to average assets | 4.2064% | 1,026 |
| Loan and lease loss provision to assets | 0.0850% | 6,514 |
| Net operating income to assets | -0.3777% | 6,287 |
| Return on assets (ROA) | 0.0567% | 5,625 |
| Pretax return on assets | 0.0567% | 5,607 |
| Return on Equity (ROE) | 0.6499% | 5,591 |
| Retained earnings to average equity (ytd only) | 0.6499% | 4,918 |
| Net charge-offs to loans | 0.2857% | 4,242 |
| Credit loss provision to net charge-offs | 120.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | -4.1330% | 6,833 |
| Efficiency ratio | 107.4789% | 820 |
| Assets per employee ($millions) | 2.0056% | 7,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 5,631 |
| Loan loss allowance to noncurrent loans | 526.6667% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.7379% | 5,654 |
| Noncurrent loans to loans | 0.2117% | 6,968 |
| Net loans and leases to total assets | 23.2881% | 7,911 |
| Net loans and leases to deposits | 26.3443% | 7,944 |
| Net loans and leases to core deposits | 29.4791% | 7,955 |
| Total domestic deposits to total assets | 88.3991% | 1,474 |
| Equity capital to assets | 8.4464% | 6,316 |
| Core capital (leverage) ratio | 8.1055% | 6,175 |
| Tier 1 risk-based capital ratio | 20.6992% | 1,421 |
| Total risk-based capital ratio | 21.4056% | 1,479 |
| Memoranda: | ||
| Average total assets | $28,242,000 | 7,603 |
| Average earning assets | $25,596,000 | 7,587 |
| Average equity | $2,461,750 | 7,817 |
| Average total loans | $7,001,500 | 7,903 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4822% | 7,636 |
| Cost of funding earning assets | 1.3046% | 6,791 |
| Net interest margin | 3.1776% | 5,993 |
| Noninterest income to average assets | 1.1510% | 1,181 |
| Noninterest expense to average assets | 4.3289% | 914 |
| Loan and lease loss provision to assets | 0.0869% | 6,301 |
| Net operating income to assets | -0.3909% | 6,441 |
| Return on assets (ROA) | 0.2678% | 5,119 |
| Pretax return on assets | 0.2678% | 5,278 |
| Return on Equity (ROE) | 3.0386% | 4,887 |
| Retained earnings to average equity (ytd only) | 3.0386% | 3,629 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5540% | 923 |
| Assets per employee ($millions) | 1.8531% | 7,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 4,490 |
| Loan loss allowance to noncurrent loans | 241.6667% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.8742% | 5,243 |
| Noncurrent loans to loans | 0.5242% | 6,222 |
| Net loans and leases to total assets | 24.3911% | 7,990 |
| Net loans and leases to deposits | 27.0443% | 8,020 |
| Net loans and leases to core deposits | 30.1548% | 8,035 |
| Total domestic deposits to total assets | 90.1896% | 750 |
| Equity capital to assets | 8.3750% | 6,236 |
| Core capital (leverage) ratio | 8.2452% | 5,895 |
| Tier 1 risk-based capital ratio | 21.8741% | 1,273 |
| Total risk-based capital ratio | 22.6877% | 1,300 |
| Memoranda: | ||
| Average total assets | $27,628,000 | 7,697 |
| Average earning assets | $24,987,670 | 7,682 |
| Average equity | $2,435,330 | 7,893 |
| Average total loans | $6,973,670 | 7,995 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3375% | 7,830 |
| Cost of funding earning assets | 1.3655% | 6,832 |
| Net interest margin | 2.9720% | 6,554 |
| Noninterest income to average assets | 1.5103% | 620 |
| Noninterest expense to average assets | 4.3713% | 810 |
| Loan and lease loss provision to assets | 0.0871% | 5,846 |
| Net operating income to assets | -0.2614% | 6,632 |
| Return on assets (ROA) | 0.8568% | 3,038 |
| Pretax return on assets | 0.8568% | 3,864 |
| Return on Equity (ROE) | 9.4817% | 2,538 |
| Retained earnings to average equity (ytd only) | 9.4817% | 1,341 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1522% | 980 |
| Assets per employee ($millions) | 1.8937% | 7,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 4,935 |
| Loan loss allowance to noncurrent loans | 162.0000% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.8977% | 4,943 |
| Noncurrent loans to loans | 0.7278% | 5,605 |
| Net loans and leases to total assets | 23.9007% | 8,037 |
| Net loans and leases to deposits | 27.2355% | 8,072 |
| Net loans and leases to core deposits | 30.1412% | 8,089 |
| Total domestic deposits to total assets | 87.7557% | 1,863 |
| Equity capital to assets | 8.7837% | 5,649 |
| Core capital (leverage) ratio | 8.6085% | 5,325 |
| Tier 1 risk-based capital ratio | 21.8360% | 1,321 |
| Total risk-based capital ratio | 22.5848% | 1,365 |
| Memoranda: | ||
| Average total assets | $27,543,500 | 7,749 |
| Average earning assets | $24,899,000 | 7,727 |
| Average equity | $2,489,000 | 7,929 |
| Average total loans | $7,027,000 | 8,033 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1104% | 7,763 |
| Cost of funding earning assets | 1.4998% | 7,611 |
| Net interest margin | 3.6106% | 4,835 |
| Noninterest income to average assets | 0.8467% | 2,251 |
| Noninterest expense to average assets | 4.1612% | 1,189 |
| Loan and lease loss provision to assets | 0.0434% | 6,874 |
| Net operating income to assets | -0.0651% | 6,463 |
| Return on assets (ROA) | 0.1882% | 5,705 |
| Pretax return on assets | 0.1882% | 5,757 |
| Return on Equity (ROE) | 2.2218% | 5,534 |
| Retained earnings to average equity (ytd only) | -1.4100% | 5,712 |
| Net charge-offs to loans | 0.1718% | 4,488 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 6,485 |
| Efficiency ratio | 100.5245% | 965 |
| Assets per employee ($millions) | 1.7788% | 8,053 |
| Cash dividends to net income (ytd only)* | 163.4615% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 5,676 |
| Loan loss allowance to noncurrent loans | 37.5000% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7496% | 4,975 |
| Noncurrent loans to loans | 2.7840% | 1,957 |
| Net loans and leases to total assets | 26.6434% | 8,060 |
| Net loans and leases to deposits | 29.8334% | 8,117 |
| Net loans and leases to core deposits | 32.2506% | 8,137 |
| Total domestic deposits to total assets | 89.3074% | 918 |
| Equity capital to assets | 9.3059% | 4,932 |
| Core capital (leverage) ratio | 8.4604% | 5,640 |
| Tier 1 risk-based capital ratio | 22.0193% | 1,314 |
| Total risk-based capital ratio | 22.7364% | 1,360 |
| Memoranda: | ||
| Average total assets | $27,636,000 | 7,743 |
| Average earning assets | $25,203,600 | 7,729 |
| Average equity | $2,340,400 | 8,038 |
| Average total loans | $6,984,400 | 8,080 |