Home > CNLBank, First Coast > Performance and Condition Ratios
CNLBank, First Coast, Performance and Condition Ratios
| 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 | 4.9870% | 6,957 |
| Cost of funding earning assets | 1.8262% | 4,994 |
| Net interest margin | 3.1608% | 5,980 |
| Noninterest income to average assets | 0.0779% | 7,664 |
| Noninterest expense to average assets | 2.0385% | 7,256 |
| Loan and lease loss provision to assets | 0.3631% | 3,144 |
| Net operating income to assets | 0.4144% | 4,803 |
| Return on assets (ROA) | 0.4144% | 4,978 |
| Pretax return on assets | 0.7173% | 4,371 |
| Return on Equity (ROE) | 3.8923% | 4,982 |
| Retained earnings to average equity (ytd only) | 3.8923% | 3,725 |
| 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 | 65.3606% | 5,439 |
| Assets per employee ($millions) | 8.3089% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7594% | 1,963 |
| Loan loss allowance to noncurrent loans | 77.6123% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.8258% | 3,178 |
| Noncurrent loans to loans | 2.2669% | 2,904 |
| Net loans and leases to total assets | 79.1250% | 1,556 |
| Net loans and leases to deposits | 97.9738% | 1,671 |
| Net loans and leases to core deposits | 136.4278% | 1,275 |
| Total domestic deposits to total assets | 80.7613% | 5,064 |
| Equity capital to assets | 10.8117% | 3,172 |
| Core capital (leverage) ratio | 10.5697% | 2,848 |
| Tier 1 risk-based capital ratio | 12.0578% | 4,915 |
| Total risk-based capital ratio | 13.3127% | 4,801 |
| Memoranda: | ||
| Average total assets | $225,847,000 | 2,920 |
| Average earning assets | $217,285,000 | 2,792 |
| Average equity | $24,047,500 | 2,764 |
| Average total loans | $181,413,000 | 2,576 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8199% | 6,369 |
| Cost of funding earning assets | 2.6483% | 3,442 |
| Net interest margin | 3.1716% | 6,459 |
| Noninterest income to average assets | 0.0530% | 7,878 |
| Noninterest expense to average assets | 2.4574% | 6,178 |
| Loan and lease loss provision to assets | 0.5942% | 2,451 |
| Net operating income to assets | -0.0034% | 6,374 |
| Return on assets (ROA) | -0.0034% | 6,241 |
| Pretax return on assets | 0.0224% | 6,112 |
| Return on Equity (ROE) | -0.0301% | 6,242 |
| Retained earnings to average equity (ytd only) | -0.0301% | 5,268 |
| Net charge-offs to loans | 0.1066% | 5,224 |
| Credit loss provision to net charge-offs | 686.5169% | 614 |
| Earnings coverage of net charge-offs (x) | 7.1236% | 3,183 |
| Efficiency ratio | 79.9431% | 2,605 |
| Assets per employee ($millions) | 8.4205% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6328% | 2,120 |
| Loan loss allowance to noncurrent loans | 74.3500% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.7594% | 2,778 |
| Noncurrent loans to loans | 2.1961% | 2,517 |
| Net loans and leases to total assets | 78.8040% | 1,931 |
| Net loans and leases to deposits | 101.5076% | 1,640 |
| Net loans and leases to core deposits | 132.9593% | 1,653 |
| Total domestic deposits to total assets | 77.6336% | 5,826 |
| Equity capital to assets | 10.4859% | 3,518 |
| Core capital (leverage) ratio | 10.6628% | 2,855 |
| Tier 1 risk-based capital ratio | 11.7873% | 4,992 |
| Total risk-based capital ratio | 13.0403% | 4,899 |
| Memoranda: | ||
| Average total assets | $205,665,000 | 3,056 |
| Average earning assets | $195,895,800 | 2,944 |
| Average equity | $23,291,200 | 2,814 |
| Average total loans | $167,017,800 | 2,673 |