Home > The First National Bank of Valentine > Performance and Condition Ratios
The First National Bank of Valentine, Performance and Condition Ratios
| 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 | 4.6244% | 7,256 |
| Cost of funding earning assets | 3.2012% | 126 |
| Net interest margin | 1.4232% | 7,884 |
| Noninterest income to average assets | 0.0700% | 7,400 |
| Noninterest expense to average assets | 3.9622% | 1,417 |
| Loan and lease loss provision to assets | 0.1964% | 5,765 |
| Net operating income to assets | -2.2888% | 7,193 |
| Return on assets (ROA) | -2.1809% | 7,155 |
| Pretax return on assets | -2.7018% | 7,209 |
| Return on Equity (ROE) | -25.1765% | 7,292 |
| Retained earnings to average equity (ytd only) | -25.1765% | 7,267 |
| Net charge-offs to loans | 0.5099% | 3,740 |
| Credit loss provision to net charge-offs | 87.7863% | 6,075 |
| Earnings coverage of net charge-offs (x) | -11.7939% | 7,168 |
| Efficiency ratio | 299.3548% | 65 |
| Assets per employee ($millions) | 8.8699% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 2,388 |
| Loan loss allowance to noncurrent loans | 48.9506% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 1.6604% | 3,884 |
| Noncurrent loans to loans | 3.7931% | 1,973 |
| Net loans and leases to total assets | 42.9604% | 7,189 |
| Net loans and leases to deposits | 49.6359% | 7,278 |
| Net loans and leases to core deposits | 67.9385% | 6,882 |
| Total domestic deposits to total assets | 86.5511% | 2,733 |
| Equity capital to assets | 9.0223% | 5,112 |
| Core capital (leverage) ratio | 7.5894% | 6,694 |
| Tier 1 risk-based capital ratio | 13.5243% | 3,805 |
| Total risk-based capital ratio | 14.7943% | 3,741 |
| Memoranda: | ||
| Average total assets | $117,105,400 | 4,656 |
| Average earning assets | $103,149,600 | 4,752 |
| Average equity | $10,144,400 | 5,256 |
| Average total loans | $51,387,600 | 5,610 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7475% | 7,212 |
| Cost of funding earning assets | 3.3163% | 129 |
| Net interest margin | 1.4312% | 7,961 |
| Noninterest income to average assets | 0.0415% | 7,681 |
| Noninterest expense to average assets | 4.4374% | 798 |
| Loan and lease loss provision to assets | 0.2514% | 4,939 |
| Net operating income to assets | -2.0142% | 7,324 |
| Return on assets (ROA) | -1.9050% | 7,280 |
| Pretax return on assets | -3.2188% | 7,552 |
| Return on Equity (ROE) | -22.1755% | 7,448 |
| Retained earnings to average equity (ytd only) | -22.1755% | 7,417 |
| Net charge-offs to loans | 0.6647% | 2,699 |
| Credit loss provision to net charge-offs | 86.1423% | 5,588 |
| Earnings coverage of net charge-offs (x) | -10.7528% | 6,905 |
| Efficiency ratio | 341.4634% | 56 |
| Assets per employee ($millions) | 9.3520% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7251% | 2,534 |
| Loan loss allowance to noncurrent loans | 89.2412% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.8583% | 5,374 |
| Noncurrent loans to loans | 1.9331% | 3,728 |
| Net loans and leases to total assets | 43.6377% | 7,269 |
| Net loans and leases to deposits | 50.5154% | 7,386 |
| Net loans and leases to core deposits | 73.3285% | 6,765 |
| Total domestic deposits to total assets | 86.3850% | 2,485 |
| Equity capital to assets | 9.4739% | 4,774 |
| Core capital (leverage) ratio | 7.7409% | 6,677 |
| Tier 1 risk-based capital ratio | 12.7592% | 4,346 |
| Total risk-based capital ratio | 14.0101% | 4,292 |
| Memoranda: | ||
| Average total assets | $121,989,500 | 4,542 |
| Average earning assets | $107,226,750 | 4,672 |
| Average equity | $10,479,750 | 5,211 |
| Average total loans | $53,557,250 | 5,568 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9500% | 6,921 |
| Cost of funding earning assets | 3.5036% | 109 |
| Net interest margin | 1.4464% | 8,027 |
| Noninterest income to average assets | -0.0249% | 7,991 |
| Noninterest expense to average assets | 5.4190% | 395 |
| Loan and lease loss provision to assets | 0.1558% | 5,512 |
| Net operating income to assets | -2.5528% | 7,574 |
| Return on assets (ROA) | -2.3574% | 7,521 |
| Pretax return on assets | -4.0214% | 7,753 |
| Return on Equity (ROE) | -28.2162% | 7,684 |
| Retained earnings to average equity (ytd only) | -28.2162% | 7,658 |
| Net charge-offs to loans | 0.5411% | 2,704 |
| Credit loss provision to net charge-offs | 65.7895% | 5,493 |
| Earnings coverage of net charge-offs (x) | -17.6118% | 6,558 |
| Efficiency ratio | 434.2072% | 46 |
| Assets per employee ($millions) | 9.3425% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 3,000 |
| Loan loss allowance to noncurrent loans | 79.2008% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.9497% | 5,080 |
| Noncurrent loans to loans | 1.9405% | 3,616 |
| Net loans and leases to total assets | 48.1891% | 7,019 |
| Net loans and leases to deposits | 55.6770% | 7,182 |
| Net loans and leases to core deposits | 80.9583% | 6,325 |
| Total domestic deposits to total assets | 86.5513% | 2,484 |
| Equity capital to assets | 9.2918% | 4,890 |
| Core capital (leverage) ratio | 7.1858% | 7,372 |
| Tier 1 risk-based capital ratio | 12.3291% | 4,653 |
| Total risk-based capital ratio | 13.5294% | 4,609 |
| Memoranda: | ||
| Average total assets | $128,362,000 | 4,427 |
| Average earning assets | $112,969,670 | 4,540 |
| Average equity | $10,724,330 | 5,156 |
| Average total loans | $56,183,330 | 5,496 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0616% | 6,759 |
| Cost of funding earning assets | 3.7491% | 76 |
| Net interest margin | 1.3125% | 8,107 |
| Noninterest income to average assets | 0.0255% | 7,953 |
| Noninterest expense to average assets | 1.7314% | 7,784 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.5412% | 6,915 |
| Return on assets (ROA) | 0.0623% | 6,246 |
| Pretax return on assets | 0.0623% | 6,249 |
| Return on Equity (ROE) | 0.7779% | 6,198 |
| Retained earnings to average equity (ytd only) | 0.7779% | 5,351 |
| Net charge-offs to loans | -0.0135% | 7,348 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.4762% | 382 |
| Assets per employee ($millions) | 9.5671% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 3,333 |
| Loan loss allowance to noncurrent loans | 91.2804% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.9691% | 4,772 |
| Noncurrent loans to loans | 1.5682% | 3,930 |
| Net loans and leases to total assets | 42.5161% | 7,435 |
| Net loans and leases to deposits | 61.6900% | 6,759 |
| Net loans and leases to core deposits | 86.5678% | 5,861 |
| Total domestic deposits to total assets | 68.9189% | 7,525 |
| Equity capital to assets | 8.3530% | 6,310 |
| Core capital (leverage) ratio | 7.4645% | 7,196 |
| Tier 1 risk-based capital ratio | 12.7119% | 4,378 |
| Total risk-based capital ratio | 13.7331% | 4,479 |
| Memoranda: | ||
| Average total assets | $141,159,000 | 4,165 |
| Average earning assets | $125,256,000 | 4,262 |
| Average equity | $11,312,000 | 5,026 |
| Average total loans | $59,127,000 | 5,398 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4529% | 7,391 |
| Cost of funding earning assets | 4.1151% | 68 |
| Net interest margin | 1.3378% | 8,198 |
| Noninterest income to average assets | 0.1945% | 7,064 |
| Noninterest expense to average assets | 2.1610% | 7,092 |
| Loan and lease loss provision to assets | 0.9645% | 1,529 |
| Net operating income to assets | -1.0308% | 7,264 |
| Return on assets (ROA) | -1.0498% | 7,199 |
| Pretax return on assets | -1.7520% | 7,355 |
| Return on Equity (ROE) | -13.3027% | 7,510 |
| Retained earnings to average equity (ytd only) | -13.3027% | 7,355 |
| Net charge-offs to loans | 1.9918% | 542 |
| Credit loss provision to net charge-offs | 108.1884% | 4,969 |
| Earnings coverage of net charge-offs (x) | -0.8500% | 6,567 |
| Efficiency ratio | 133.4715% | 439 |
| Assets per employee ($millions) | 7.0656% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 3,394 |
| Loan loss allowance to noncurrent loans | 90.8590% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 4,532 |
| Noncurrent loans to loans | 1.5013% | 3,545 |
| Net loans and leases to total assets | 40.2054% | 7,662 |
| Net loans and leases to deposits | 57.7268% | 7,224 |
| Net loans and leases to core deposits | 82.3125% | 6,431 |
| Total domestic deposits to total assets | 69.6478% | 7,319 |
| Equity capital to assets | 7.7073% | 7,192 |
| Core capital (leverage) ratio | 6.9622% | 7,719 |
| Tier 1 risk-based capital ratio | 11.8640% | 4,928 |
| Total risk-based capital ratio | 12.8158% | 5,071 |
| Memoranda: | ||
| Average total assets | $154,792,000 | 3,807 |
| Average earning assets | $139,851,800 | 3,853 |
| Average equity | $12,215,600 | 4,772 |
| Average total loans | $69,284,600 | 4,901 |