Home > The First National Bank of Morgan > Performance and Condition Ratios
The First National Bank of Morgan, Performance and Condition Ratios
| 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 | 6.4735% | 3,099 |
| Cost of funding earning assets | 2.2916% | 5,197 |
| Net interest margin | 4.1819% | 2,385 |
| Noninterest income to average assets | 0.6402% | 3,550 |
| Noninterest expense to average assets | 2.8245% | 4,715 |
| Loan and lease loss provision to assets | 0.3430% | 3,650 |
| Net operating income to assets | 0.6087% | 4,263 |
| Return on assets (ROA) | 0.6087% | 4,131 |
| Pretax return on assets | 0.9201% | 3,659 |
| Return on Equity (ROE) | 2.8392% | 5,291 |
| Retained earnings to average equity (ytd only) | 0.9401% | 4,664 |
| Net charge-offs to loans | 0.1250% | 4,989 |
| Credit loss provision to net charge-offs | 461.6438% | 953 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,800 |
| Efficiency ratio | 65.5876% | 5,209 |
| Assets per employee ($millions) | 4.0114% | 3,489 |
| Cash dividends to net income (ytd only)* | 66.8896% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7027% | 1,901 |
| Loan loss allowance to noncurrent loans | 30.4839% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 3.4881% | 1,276 |
| Noncurrent loans to loans | 5.5857% | 715 |
| Net loans and leases to total assets | 60.5584% | 5,829 |
| Net loans and leases to deposits | 85.6754% | 4,161 |
| Net loans and leases to core deposits | 105.1583% | 4,282 |
| Total domestic deposits to total assets | 70.6836% | 7,208 |
| Equity capital to assets | 23.5748% | 300 |
| Core capital (leverage) ratio | 13.2337% | 1,466 |
| Tier 1 risk-based capital ratio | 17.3911% | 2,209 |
| Total risk-based capital ratio | 18.6438% | 2,153 |
| Memoranda: | ||
| Average total assets | $98,246,000 | 5,106 |
| Average earning assets | $80,991,800 | 5,403 |
| Average equity | $21,062,600 | 3,091 |
| Average total loans | $58,380,800 | 5,346 |