Home > Bank of Florida - Southeast > Performance and Condition Ratios
Bank of Florida - Southeast, 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 | 4.5846% | 6,597 |
| Cost of funding earning assets | 2.2432% | 510 |
| Net interest margin | 2.3414% | 7,567 |
| Noninterest income to average assets | 1.7549% | 416 |
| Noninterest expense to average assets | 3.8281% | 1,281 |
| Loan and lease loss provision to assets | 8.6833% | 47 |
| Net operating income to assets | -9.1770% | 7,883 |
| Return on assets (ROA) | -9.5123% | 7,893 |
| Pretax return on assets | -8.8842% | 7,875 |
| Return on Equity (ROE) | -374.3094% | 7,908 |
| Retained earnings to average equity (ytd only) | -374.3094% | 7,908 |
| Net charge-offs to loans | 10.9502% | 41 |
| Credit loss provision to net charge-offs | 104.8693% | 3,268 |
| Earnings coverage of net charge-offs (x) | 0.0162% | 5,011 |
| Efficiency ratio | 80.8283% | 2,434 |
| Assets per employee ($millions) | 12.6663% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9176% | 882 |
| Loan loss allowance to noncurrent loans | 19.3563% | 7,046 |
| Noncurrent assets plus other real estate owned to assets | 10.7810% | 348 |
| Noncurrent loans to loans | 15.0732% | 178 |
| Net loans and leases to total assets | 68.5034% | 3,275 |
| Net loans and leases to deposits | 76.6923% | 4,286 |
| Net loans and leases to core deposits | 88.9260% | 3,509 |
| Total domestic deposits to total assets | 89.3223% | 1,350 |
| Equity capital to assets | 1.1874% | 7,904 |
| Core capital (leverage) ratio | 1.1899% | 7,903 |
| Tier 1 risk-based capital ratio | 1.6651% | 7,904 |
| Total risk-based capital ratio | 3.3302% | 7,900 |
| Memoranda: | ||
| Average total assets | $565,498,000 | 1,233 |
| Average earning assets | $533,175,500 | 1,187 |
| Average equity | $14,371,000 | 4,151 |
| Average total loans | $427,607,500 | 1,098 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5163% | 4,058 |
| Cost of funding earning assets | 2.4098% | 1,271 |
| Net interest margin | 3.1066% | 6,348 |
| Noninterest income to average assets | 0.2389% | 6,378 |
| Noninterest expense to average assets | 5.1652% | 469 |
| Loan and lease loss provision to assets | 3.6902% | 403 |
| Net operating income to assets | -6.2036% | 7,845 |
| Return on assets (ROA) | -5.9194% | 7,823 |
| Pretax return on assets | -5.5101% | 7,763 |
| Return on Equity (ROE) | -73.3118% | 7,827 |
| Retained earnings to average equity (ytd only) | -73.3118% | 7,824 |
| Net charge-offs to loans | 3.6541% | 513 |
| Credit loss provision to net charge-offs | 121.6307% | 4,367 |
| Earnings coverage of net charge-offs (x) | -0.6935% | 6,804 |
| Efficiency ratio | 97.2077% | 1,259 |
| Assets per employee ($millions) | 10.7136% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6855% | 1,027 |
| Loan loss allowance to noncurrent loans | 23.4489% | 6,885 |
| Noncurrent assets plus other real estate owned to assets | 9.3920% | 424 |
| Noncurrent loans to loans | 11.4527% | 314 |
| Net loans and leases to total assets | 79.0512% | 1,167 |
| Net loans and leases to deposits | 94.3675% | 1,554 |
| Net loans and leases to core deposits | 118.5392% | 2,073 |
| Total domestic deposits to total assets | 83.7695% | 4,139 |
| Equity capital to assets | 4.0459% | 7,857 |
| Core capital (leverage) ratio | 3.4397% | 7,881 |
| Tier 1 risk-based capital ratio | 4.3880% | 7,896 |
| Total risk-based capital ratio | 6.4653% | 7,860 |
| Memoranda: | ||
| Average total assets | $529,969,200 | 1,298 |
| Average earning assets | $481,460,200 | 1,312 |
| Average equity | $42,791,200 | 1,559 |
| Average total loans | $440,023,200 | 1,094 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6166% | 3,763 |
| Cost of funding earning assets | 2.3643% | 1,760 |
| Net interest margin | 3.2523% | 5,824 |
| Noninterest income to average assets | 0.2719% | 6,287 |
| Noninterest expense to average assets | 5.8766% | 317 |
| Loan and lease loss provision to assets | 2.7895% | 556 |
| Net operating income to assets | -4.5218% | 7,795 |
| Return on assets (ROA) | -4.3444% | 7,784 |
| Pretax return on assets | -5.2288% | 7,835 |
| Return on Equity (ROE) | -47.7673% | 7,816 |
| Retained earnings to average equity (ytd only) | -47.7673% | 7,811 |
| Net charge-offs to loans | 3.0525% | 532 |
| Credit loss provision to net charge-offs | 109.4635% | 4,648 |
| Earnings coverage of net charge-offs (x) | -1.0411% | 6,638 |
| Efficiency ratio | 91.8538% | 1,550 |
| Assets per employee ($millions) | 10.5456% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0964% | 1,601 |
| Loan loss allowance to noncurrent loans | 22.6972% | 6,934 |
| Noncurrent assets plus other real estate owned to assets | 7.7943% | 561 |
| Noncurrent loans to loans | 9.2365% | 467 |
| Net loans and leases to total assets | 81.1637% | 954 |
| Net loans and leases to deposits | 98.1155% | 1,318 |
| Net loans and leases to core deposits | 129.4670% | 1,465 |
| Total domestic deposits to total assets | 82.7227% | 4,352 |
| Equity capital to assets | 6.8999% | 7,640 |
| Core capital (leverage) ratio | 5.9549% | 7,808 |
| Tier 1 risk-based capital ratio | 7.1503% | 7,880 |
| Total risk-based capital ratio | 9.8044% | 7,751 |
| Memoranda: | ||
| Average total assets | $528,542,000 | 1,315 |
| Average earning assets | $479,687,500 | 1,334 |
| Average equity | $48,070,750 | 1,419 |
| Average total loans | $441,242,500 | 1,107 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6643% | 3,742 |
| Cost of funding earning assets | 2.4574% | 1,758 |
| Net interest margin | 3.2069% | 5,892 |
| Noninterest income to average assets | 0.1717% | 7,063 |
| Noninterest expense to average assets | 3.0596% | 3,847 |
| Loan and lease loss provision to assets | 2.4013% | 659 |
| Net operating income to assets | -1.5108% | 7,251 |
| Return on assets (ROA) | -1.3857% | 7,201 |
| Pretax return on assets | -2.2191% | 7,351 |
| Return on Equity (ROE) | -14.1051% | 7,287 |
| Retained earnings to average equity (ytd only) | -14.1051% | 7,188 |
| Net charge-offs to loans | 3.1779% | 510 |
| Credit loss provision to net charge-offs | 90.3029% | 4,916 |
| Earnings coverage of net charge-offs (x) | -0.0050% | 5,694 |
| Efficiency ratio | 99.1436% | 1,213 |
| Assets per employee ($millions) | 9.6215% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 2,292 |
| Loan loss allowance to noncurrent loans | 19.4989% | 7,159 |
| Noncurrent assets plus other real estate owned to assets | 7.6451% | 514 |
| Noncurrent loans to loans | 8.7830% | 460 |
| Net loans and leases to total assets | 84.7012% | 538 |
| Net loans and leases to deposits | 110.8006% | 524 |
| Net loans and leases to core deposits | 149.9639% | 654 |
| Total domestic deposits to total assets | 76.4447% | 6,453 |
| Equity capital to assets | 9.8322% | 4,173 |
| Core capital (leverage) ratio | 6.6209% | 7,732 |
| Tier 1 risk-based capital ratio | 7.5906% | 7,949 |
| Total risk-based capital ratio | 10.2130% | 7,737 |
| Memoranda: | ||
| Average total assets | $528,962,330 | 1,331 |
| Average earning assets | $474,162,000 | 1,370 |
| Average equity | $51,967,000 | 1,307 |
| Average total loans | $442,615,000 | 1,128 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8572% | 3,002 |
| Cost of funding earning assets | 2.5725% | 1,648 |
| Net interest margin | 3.2847% | 5,547 |
| Noninterest income to average assets | 0.1352% | 7,329 |
| Noninterest expense to average assets | 2.8354% | 4,400 |
| Loan and lease loss provision to assets | 2.0681% | 579 |
| Net operating income to assets | -1.1611% | 7,345 |
| Return on assets (ROA) | -1.1611% | 7,355 |
| Pretax return on assets | -1.8593% | 7,490 |
| Return on Equity (ROE) | -11.8227% | 7,462 |
| Retained earnings to average equity (ytd only) | -11.8227% | 7,254 |
| Net charge-offs to loans | 2.3422% | 623 |
| Credit loss provision to net charge-offs | 107.0358% | 3,574 |
| Earnings coverage of net charge-offs (x) | 0.1080% | 4,895 |
| Efficiency ratio | 91.8497% | 1,581 |
| Assets per employee ($millions) | 9.1191% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8907% | 1,637 |
| Loan loss allowance to noncurrent loans | 26.9703% | 6,771 |
| Noncurrent assets plus other real estate owned to assets | 5.7826% | 711 |
| Noncurrent loans to loans | 7.0104% | 574 |
| Net loans and leases to total assets | 80.9266% | 1,218 |
| Net loans and leases to deposits | 102.7905% | 1,111 |
| Net loans and leases to core deposits | 127.4663% | 1,828 |
| Total domestic deposits to total assets | 78.7297% | 5,817 |
| Equity capital to assets | 9.7266% | 4,342 |
| Core capital (leverage) ratio | 6.4181% | 7,909 |
| Tier 1 risk-based capital ratio | 7.5389% | 8,055 |
| Total risk-based capital ratio | 10.1517% | 7,886 |
| Memoranda: | ||
| Average total assets | $538,475,000 | 1,316 |
| Average earning assets | $476,884,000 | 1,360 |
| Average equity | $52,881,500 | 1,284 |
| Average total loans | $444,198,000 | 1,134 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6259% | 2,372 |
| Cost of funding earning assets | 3.0239% | 1,784 |
| Net interest margin | 3.6020% | 4,876 |
| Noninterest income to average assets | 0.1271% | 7,477 |
| Noninterest expense to average assets | 2.9692% | 4,185 |
| Loan and lease loss provision to assets | 1.0316% | 1,419 |
| Net operating income to assets | -0.3515% | 6,774 |
| Return on assets (ROA) | -0.3479% | 6,645 |
| Pretax return on assets | -0.5548% | 6,692 |
| Return on Equity (ROE) | -3.2810% | 6,654 |
| Retained earnings to average equity (ytd only) | -3.2810% | 6,170 |
| Net charge-offs to loans | 0.3073% | 3,345 |
| Credit loss provision to net charge-offs | 393.5335% | 1,121 |
| Earnings coverage of net charge-offs (x) | 1.7975% | 5,175 |
| Efficiency ratio | 84.8839% | 1,966 |
| Assets per employee ($millions) | 9.1343% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8462% | 1,538 |
| Loan loss allowance to noncurrent loans | 38.8489% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 3.9204% | 1,065 |
| Noncurrent loans to loans | 4.7522% | 973 |
| Net loans and leases to total assets | 80.9745% | 1,442 |
| Net loans and leases to deposits | 107.6616% | 998 |
| Net loans and leases to core deposits | 126.8764% | 2,093 |
| Total domestic deposits to total assets | 75.2120% | 6,402 |
| Equity capital to assets | 9.9144% | 4,140 |
| Core capital (leverage) ratio | 6.8399% | 7,800 |
| Tier 1 risk-based capital ratio | 7.5930% | 8,124 |
| Total risk-based capital ratio | 10.1507% | 7,872 |
| Memoranda: | ||
| Average total assets | $495,525,400 | 1,369 |
| Average earning assets | $455,805,400 | 1,368 |
| Average equity | $52,544,600 | 1,283 |
| Average total loans | $422,698,800 | 1,132 |