Home > Bank of Florida - Tampa Bay > Performance and Condition Ratios
Bank of Florida - Tampa Bay, 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 | 4.4563% | 6,882 |
| Cost of funding earning assets | 1.8298% | 1,751 |
| Net interest margin | 2.6266% | 7,363 |
| Noninterest income to average assets | 0.1477% | 6,915 |
| Noninterest expense to average assets | 4.3134% | 713 |
| Loan and lease loss provision to assets | 13.5209% | 10 |
| Net operating income to assets | -15.1501% | 7,921 |
| Return on assets (ROA) | -15.5028% | 7,921 |
| Pretax return on assets | -15.5028% | 7,922 |
| Return on Equity (ROE) | -1,485.3999% | 7,930 |
| Retained earnings to average equity (ytd only) | -1,485.3999% | 7,930 |
| Net charge-offs to loans | 13.5504% | 24 |
| Credit loss provision to net charge-offs | 117.5271% | 2,968 |
| Earnings coverage of net charge-offs (x) | -0.1416% | 5,128 |
| Efficiency ratio | 113.6919% | 536 |
| Assets per employee ($millions) | 10.4571% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6606% | 231 |
| Loan loss allowance to noncurrent loans | 30.2415% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 14.0620% | 164 |
| Noncurrent loans to loans | 15.4114% | 165 |
| Net loans and leases to total assets | 78.6993% | 1,023 |
| Net loans and leases to deposits | 84.4918% | 2,859 |
| Net loans and leases to core deposits | 92.3322% | 3,067 |
| Total domestic deposits to total assets | 93.1442% | 115 |
| Equity capital to assets | -0.9051% | 7,925 |
| Core capital (leverage) ratio | -0.8541% | 7,924 |
| Tier 1 risk-based capital ratio | -1.1184% | 7,924 |
| Total risk-based capital ratio | -1.1184% | 7,924 |
| Memoranda: | ||
| Average total assets | $243,801,000 | 2,721 |
| Average earning assets | $235,441,500 | 2,585 |
| Average equity | $2,544,500 | 7,619 |
| Average total loans | $206,990,000 | 2,206 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0687% | 6,197 |
| Cost of funding earning assets | 2.4300% | 1,212 |
| Net interest margin | 2.6387% | 7,295 |
| Noninterest income to average assets | 0.0489% | 7,505 |
| Noninterest expense to average assets | 2.6280% | 5,681 |
| Loan and lease loss provision to assets | 5.3617% | 159 |
| Net operating income to assets | -6.3995% | 7,856 |
| Return on assets (ROA) | -6.0885% | 7,832 |
| Pretax return on assets | -5.1862% | 7,728 |
| Return on Equity (ROE) | -85.2774% | 7,888 |
| Retained earnings to average equity (ytd only) | -85.2774% | 7,884 |
| Net charge-offs to loans | 5.1501% | 239 |
| Credit loss provision to net charge-offs | 121.8565% | 4,352 |
| Earnings coverage of net charge-offs (x) | -0.0308% | 6,249 |
| Efficiency ratio | 104.8287% | 930 |
| Assets per employee ($millions) | 10.2954% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7244% | 436 |
| Loan loss allowance to noncurrent loans | 24.7616% | 6,814 |
| Noncurrent assets plus other real estate owned to assets | 13.2046% | 193 |
| Noncurrent loans to loans | 15.0410% | 175 |
| Net loans and leases to total assets | 83.9459% | 437 |
| Net loans and leases to deposits | 93.6869% | 1,644 |
| Net loans and leases to core deposits | 114.4486% | 2,463 |
| Total domestic deposits to total assets | 89.6025% | 1,155 |
| Equity capital to assets | 2.9406% | 7,921 |
| Core capital (leverage) ratio | 2.6576% | 7,924 |
| Tier 1 risk-based capital ratio | 3.0897% | 7,944 |
| Total risk-based capital ratio | 4.3717% | 7,944 |
| Memoranda: | ||
| Average total assets | $257,568,400 | 2,542 |
| Average earning assets | $238,522,600 | 2,515 |
| Average equity | $18,389,400 | 3,444 |
| Average total loans | $220,054,200 | 2,106 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1783% | 5,969 |
| Cost of funding earning assets | 2.5598% | 1,137 |
| Net interest margin | 2.6185% | 7,331 |
| Noninterest income to average assets | 0.0764% | 7,525 |
| Noninterest expense to average assets | 2.5811% | 5,777 |
| Loan and lease loss provision to assets | 4.2010% | 262 |
| Net operating income to assets | -2.6976% | 7,513 |
| Return on assets (ROA) | -2.6268% | 7,497 |
| Pretax return on assets | -4.1953% | 7,718 |
| Return on Equity (ROE) | -32.2835% | 7,651 |
| Retained earnings to average equity (ytd only) | -32.2835% | 7,637 |
| Net charge-offs to loans | 3.9648% | 359 |
| Credit loss provision to net charge-offs | 124.6275% | 4,042 |
| Earnings coverage of net charge-offs (x) | -0.0312% | 6,104 |
| Efficiency ratio | 103.6424% | 931 |
| Assets per employee ($millions) | 10.0860% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2417% | 540 |
| Loan loss allowance to noncurrent loans | 32.6723% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 8.9276% | 439 |
| Noncurrent loans to loans | 9.9218% | 405 |
| Net loans and leases to total assets | 84.8392% | 448 |
| Net loans and leases to deposits | 95.0595% | 1,702 |
| Net loans and leases to core deposits | 142.6413% | 814 |
| Total domestic deposits to total assets | 89.2485% | 1,082 |
| Equity capital to assets | 7.1735% | 7,508 |
| Core capital (leverage) ratio | 5.9612% | 7,806 |
| Tier 1 risk-based capital ratio | 6.9621% | 7,898 |
| Total risk-based capital ratio | 8.2372% | 7,900 |
| Memoranda: | ||
| Average total assets | $260,188,250 | 2,527 |
| Average earning assets | $238,450,000 | 2,538 |
| Average equity | $21,170,250 | 3,076 |
| Average total loans | $221,206,500 | 2,115 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2429% | 5,905 |
| Cost of funding earning assets | 2.6723% | 1,105 |
| Net interest margin | 2.5706% | 7,391 |
| Noninterest income to average assets | 0.1042% | 7,455 |
| Noninterest expense to average assets | 2.6401% | 5,587 |
| Loan and lease loss provision to assets | 1.8686% | 877 |
| Net operating income to assets | -1.3096% | 7,170 |
| Return on assets (ROA) | -1.2044% | 7,121 |
| Pretax return on assets | -1.9127% | 7,257 |
| Return on Equity (ROE) | -14.2628% | 7,297 |
| Retained earnings to average equity (ytd only) | -14.2628% | 7,200 |
| Net charge-offs to loans | 4.4855% | 288 |
| Credit loss provision to net charge-offs | 49.4962% | 5,773 |
| Earnings coverage of net charge-offs (x) | -0.0552% | 5,752 |
| Efficiency ratio | 107.9787% | 911 |
| Assets per employee ($millions) | 9.5429% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 3,823 |
| Loan loss allowance to noncurrent loans | 16.8589% | 7,288 |
| Noncurrent assets plus other real estate owned to assets | 7.0318% | 599 |
| Noncurrent loans to loans | 8.2007% | 528 |
| Net loans and leases to total assets | 81.1812% | 1,103 |
| Net loans and leases to deposits | 91.4795% | 2,570 |
| Net loans and leases to core deposits | 161.7468% | 426 |
| Total domestic deposits to total assets | 88.7426% | 1,408 |
| Equity capital to assets | 8.0134% | 6,731 |
| Core capital (leverage) ratio | 7.5727% | 6,933 |
| Tier 1 risk-based capital ratio | 8.9593% | 7,718 |
| Total risk-based capital ratio | 10.2107% | 7,739 |
| Memoranda: | ||
| Average total assets | $262,867,670 | 2,508 |
| Average earning assets | $237,996,000 | 2,537 |
| Average equity | $22,197,670 | 2,950 |
| Average total loans | $221,245,670 | 2,146 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3372% | 5,718 |
| Cost of funding earning assets | 2.6962% | 1,286 |
| Net interest margin | 2.6410% | 7,311 |
| Noninterest income to average assets | 0.1227% | 7,411 |
| Noninterest expense to average assets | 2.5577% | 5,617 |
| Loan and lease loss provision to assets | 1.2137% | 1,065 |
| Net operating income to assets | -0.7764% | 7,111 |
| Return on assets (ROA) | -0.7764% | 7,146 |
| Pretax return on assets | -1.2290% | 7,268 |
| Return on Equity (ROE) | -8.9595% | 7,297 |
| Retained earnings to average equity (ytd only) | -8.9595% | 7,009 |
| Net charge-offs to loans | 5.1557% | 205 |
| Credit loss provision to net charge-offs | 27.6573% | 4,983 |
| Earnings coverage of net charge-offs (x) | -0.0035% | 4,983 |
| Efficiency ratio | 100.0000% | 1,127 |
| Assets per employee ($millions) | 9.4864% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5639% | 2,678 |
| Loan loss allowance to noncurrent loans | 31.1481% | 6,472 |
| Noncurrent assets plus other real estate owned to assets | 4.5339% | 1,054 |
| Noncurrent loans to loans | 5.0208% | 1,080 |
| Net loans and leases to total assets | 82.4173% | 943 |
| Net loans and leases to deposits | 92.7874% | 2,471 |
| Net loans and leases to core deposits | 144.5267% | 915 |
| Total domestic deposits to total assets | 88.8238% | 1,320 |
| Equity capital to assets | 8.4407% | 6,162 |
| Core capital (leverage) ratio | 7.8092% | 6,740 |
| Tier 1 risk-based capital ratio | 8.8933% | 7,847 |
| Total risk-based capital ratio | 10.1469% | 7,889 |
| Memoranda: | ||
| Average total assets | $260,701,000 | 2,540 |
| Average earning assets | $238,853,000 | 2,544 |
| Average equity | $22,590,500 | 2,911 |
| Average total loans | $221,889,500 | 2,166 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2810% | 4,065 |
| Cost of funding earning assets | 3.1108% | 1,471 |
| Net interest margin | 3.1702% | 6,466 |
| Noninterest income to average assets | 0.1001% | 7,631 |
| Noninterest expense to average assets | 2.6620% | 5,407 |
| Loan and lease loss provision to assets | 1.7527% | 728 |
| Net operating income to assets | -0.8267% | 7,152 |
| Return on assets (ROA) | -0.8267% | 7,060 |
| Pretax return on assets | -1.3041% | 7,167 |
| Return on Equity (ROE) | -8.4696% | 7,157 |
| Retained earnings to average equity (ytd only) | -8.4696% | 6,923 |
| Net charge-offs to loans | 0.1530% | 4,668 |
| Credit loss provision to net charge-offs | 1,284.9359% | 353 |
| Earnings coverage of net charge-offs (x) | 3.2885% | 4,441 |
| Efficiency ratio | 85.0316% | 1,945 |
| Assets per employee ($millions) | 8.5261% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5051% | 677 |
| Loan loss allowance to noncurrent loans | 50.2173% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 4.3674% | 884 |
| Noncurrent loans to loans | 4.9886% | 884 |
| Net loans and leases to total assets | 84.3836% | 824 |
| Net loans and leases to deposits | 95.6949% | 2,489 |
| Net loans and leases to core deposits | 122.9165% | 2,407 |
| Total domestic deposits to total assets | 88.1798% | 1,399 |
| Equity capital to assets | 8.8986% | 5,507 |
| Core capital (leverage) ratio | 8.0756% | 6,365 |
| Tier 1 risk-based capital ratio | 8.8512% | 7,876 |
| Total risk-based capital ratio | 10.1163% | 7,903 |
| Memoranda: | ||
| Average total assets | $228,734,000 | 2,778 |
| Average earning assets | $217,211,200 | 2,686 |
| Average equity | $22,327,000 | 2,932 |
| Average total loans | $203,949,600 | 2,262 |