Home > First Coast Community Bank > Performance and Condition Ratios
First Coast Community Bank, 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 | 4.9979% | 5,029 |
| Cost of funding earning assets | 1.3061% | 4,778 |
| Net interest margin | 3.6917% | 4,286 |
| Noninterest income to average assets | -0.7357% | 7,882 |
| Noninterest expense to average assets | 3.1795% | 2,941 |
| Loan and lease loss provision to assets | 2.7149% | 377 |
| Net operating income to assets | -7.5027% | 7,853 |
| Return on assets (ROA) | -7.5027% | 7,854 |
| Pretax return on assets | -3.1870% | 7,616 |
| Return on Equity (ROE) | -95.0140% | 7,819 |
| Retained earnings to average equity (ytd only) | -95.0140% | 7,816 |
| Net charge-offs to loans | 3.6474% | 381 |
| Credit loss provision to net charge-offs | 96.6084% | 3,512 |
| Earnings coverage of net charge-offs (x) | -0.1680% | 5,144 |
| Efficiency ratio | 117.4367% | 476 |
| Assets per employee ($millions) | 5.9305% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8310% | 953 |
| Loan loss allowance to noncurrent loans | 48.8186% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 4.9507% | 1,308 |
| Noncurrent loans to loans | 5.7990% | 1,161 |
| Net loans and leases to total assets | 74.4018% | 1,885 |
| Net loans and leases to deposits | 82.4574% | 3,207 |
| Net loans and leases to core deposits | 120.9096% | 751 |
| Total domestic deposits to total assets | 90.2306% | 870 |
| Equity capital to assets | 7.7066% | 6,926 |
| Core capital (leverage) ratio | 7.3964% | 6,937 |
| Tier 1 risk-based capital ratio | 9.4739% | 7,316 |
| Total risk-based capital ratio | 10.7421% | 7,304 |
| Memoranda: | ||
| Average total assets | $268,595,000 | 2,485 |
| Average earning assets | $250,507,500 | 2,446 |
| Average equity | $21,209,500 | 3,044 |
| Average total loans | $206,940,500 | 2,208 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4618% | 4,377 |
| Cost of funding earning assets | 1.7860% | 4,070 |
| Net interest margin | 3.6758% | 4,236 |
| Noninterest income to average assets | 0.1655% | 6,890 |
| Noninterest expense to average assets | 2.8251% | 4,861 |
| Loan and lease loss provision to assets | 3.8529% | 370 |
| Net operating income to assets | -1.8885% | 7,045 |
| Return on assets (ROA) | -1.8319% | 7,018 |
| Pretax return on assets | -2.9602% | 7,282 |
| Return on Equity (ROE) | -23.0175% | 7,232 |
| Retained earnings to average equity (ytd only) | -27.0631% | 7,314 |
| Net charge-offs to loans | 3.7911% | 469 |
| Credit loss provision to net charge-offs | 126.8845% | 4,100 |
| Earnings coverage of net charge-offs (x) | 0.2649% | 5,851 |
| Efficiency ratio | 77.8365% | 3,219 |
| Assets per employee ($millions) | 6.2864% | 1,088 |
| Cash dividends to net income (ytd only)* | -17.5761% | 7,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7914% | 937 |
| Loan loss allowance to noncurrent loans | 59.2364% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 5.1384% | 1,176 |
| Noncurrent loans to loans | 4.7123% | 1,483 |
| Net loans and leases to total assets | 75.3518% | 1,953 |
| Net loans and leases to deposits | 83.4636% | 3,365 |
| Net loans and leases to core deposits | 133.1016% | 1,108 |
| Total domestic deposits to total assets | 90.2810% | 849 |
| Equity capital to assets | 8.0839% | 6,486 |
| Core capital (leverage) ratio | 7.8555% | 6,382 |
| Tier 1 risk-based capital ratio | 9.5968% | 7,161 |
| Total risk-based capital ratio | 10.8632% | 7,129 |
| Memoranda: | ||
| Average total assets | $276,100,800 | 2,374 |
| Average earning assets | $260,189,000 | 2,325 |
| Average equity | $21,974,600 | 2,943 |
| Average total loans | $221,152,200 | 2,095 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5539% | 4,132 |
| Cost of funding earning assets | 1.8731% | 4,031 |
| Net interest margin | 3.6808% | 4,158 |
| Noninterest income to average assets | 0.9545% | 1,764 |
| Noninterest expense to average assets | 2.7108% | 5,271 |
| Loan and lease loss provision to assets | 2.9890% | 500 |
| Net operating income to assets | -0.7812% | 6,675 |
| Return on assets (ROA) | -0.7062% | 6,626 |
| Pretax return on assets | -1.1409% | 6,784 |
| Return on Equity (ROE) | -8.9067% | 6,805 |
| Retained earnings to average equity (ytd only) | -14.2932% | 7,093 |
| Net charge-offs to loans | 3.3782% | 451 |
| Credit loss provision to net charge-offs | 109.6001% | 4,640 |
| Earnings coverage of net charge-offs (x) | 0.6347% | 5,391 |
| Efficiency ratio | 61.0318% | 6,268 |
| Assets per employee ($millions) | 6.2830% | 1,082 |
| Cash dividends to net income (ytd only)* | -60.4760% | 7,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8951% | 2,049 |
| Loan loss allowance to noncurrent loans | 34.6328% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 4.5975% | 1,318 |
| Noncurrent loans to loans | 5.4719% | 1,143 |
| Net loans and leases to total assets | 77.5250% | 1,666 |
| Net loans and leases to deposits | 86.0596% | 3,306 |
| Net loans and leases to core deposits | 141.4950% | 851 |
| Total domestic deposits to total assets | 90.0830% | 736 |
| Equity capital to assets | 7.8664% | 6,974 |
| Core capital (leverage) ratio | 7.6117% | 6,844 |
| Tier 1 risk-based capital ratio | 9.1233% | 7,574 |
| Total risk-based capital ratio | 10.3783% | 7,577 |
| Memoranda: | ||
| Average total assets | $277,547,000 | 2,381 |
| Average earning assets | $262,945,750 | 2,311 |
| Average equity | $22,005,250 | 2,971 |
| Average total loans | $224,056,000 | 2,100 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6160% | 3,990 |
| Cost of funding earning assets | 1.9459% | 4,030 |
| Net interest margin | 3.6701% | 4,085 |
| Noninterest income to average assets | 1.1119% | 1,285 |
| Noninterest expense to average assets | 2.6210% | 5,653 |
| Loan and lease loss provision to assets | 1.4990% | 1,142 |
| Net operating income to assets | 0.2900% | 4,941 |
| Return on assets (ROA) | 0.2900% | 5,049 |
| Pretax return on assets | 0.4721% | 4,712 |
| Return on Equity (ROE) | 3.6485% | 4,645 |
| Retained earnings to average equity (ytd only) | -4.3999% | 6,207 |
| Net charge-offs to loans | 1.1004% | 1,648 |
| Credit loss provision to net charge-offs | 167.5784% | 2,743 |
| Earnings coverage of net charge-offs (x) | 2.2035% | 3,965 |
| Efficiency ratio | 57.0757% | 6,978 |
| Assets per employee ($millions) | 6.3640% | 1,023 |
| Cash dividends to net income (ytd only)* | 220.5955% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9711% | 1,633 |
| Loan loss allowance to noncurrent loans | 48.8975% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 3.6113% | 1,711 |
| Noncurrent loans to loans | 4.0310% | 1,676 |
| Net loans and leases to total assets | 77.0207% | 1,945 |
| Net loans and leases to deposits | 85.2831% | 3,683 |
| Net loans and leases to core deposits | 138.2786% | 1,091 |
| Total domestic deposits to total assets | 90.3118% | 704 |
| Equity capital to assets | 7.6573% | 7,127 |
| Core capital (leverage) ratio | 7.6104% | 6,882 |
| Tier 1 risk-based capital ratio | 8.9453% | 7,725 |
| Total risk-based capital ratio | 10.2028% | 7,749 |
| Memoranda: | ||
| Average total assets | $277,911,330 | 2,394 |
| Average earning assets | $263,533,670 | 2,318 |
| Average equity | $22,091,330 | 2,960 |
| Average total loans | $225,921,000 | 2,115 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6807% | 3,897 |
| Cost of funding earning assets | 2.0178% | 4,044 |
| Net interest margin | 3.6629% | 4,049 |
| Noninterest income to average assets | 0.5802% | 3,684 |
| Noninterest expense to average assets | 2.5388% | 5,694 |
| Loan and lease loss provision to assets | 1.0728% | 1,221 |
| Net operating income to assets | 0.2733% | 5,399 |
| Return on assets (ROA) | 0.2733% | 5,566 |
| Pretax return on assets | 0.4443% | 5,256 |
| Return on Equity (ROE) | 3.3735% | 5,222 |
| Retained earnings to average equity (ytd only) | -5.2858% | 6,590 |
| Net charge-offs to loans | 0.2191% | 3,325 |
| Credit loss provision to net charge-offs | 591.9355% | 961 |
| Earnings coverage of net charge-offs (x) | 8.3710% | 2,199 |
| Efficiency ratio | 62.5946% | 5,951 |
| Assets per employee ($millions) | 5.7693% | 1,343 |
| Cash dividends to net income (ytd only)* | 256.6845% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 1,771 |
| Loan loss allowance to noncurrent loans | 89.6588% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.8669% | 3,120 |
| Noncurrent loans to loans | 2.0472% | 3,200 |
| Net loans and leases to total assets | 81.2099% | 1,154 |
| Net loans and leases to deposits | 90.4696% | 2,858 |
| Net loans and leases to core deposits | 148.3365% | 762 |
| Total domestic deposits to total assets | 89.7648% | 901 |
| Equity capital to assets | 8.0292% | 6,762 |
| Core capital (leverage) ratio | 7.9102% | 6,598 |
| Tier 1 risk-based capital ratio | 9.0422% | 7,767 |
| Total risk-based capital ratio | 10.2986% | 7,789 |
| Memoranda: | ||
| Average total assets | $273,677,500 | 2,430 |
| Average earning assets | $259,684,500 | 2,368 |
| Average equity | $22,172,500 | 2,955 |
| Average total loans | $226,378,500 | 2,130 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6508% | 2,241 |
| Cost of funding earning assets | 2.4650% | 4,392 |
| Net interest margin | 4.1858% | 2,365 |
| Noninterest income to average assets | 0.9071% | 1,931 |
| Noninterest expense to average assets | 2.5100% | 5,962 |
| Loan and lease loss provision to assets | 0.7713% | 1,936 |
| Net operating income to assets | 0.9815% | 2,628 |
| Return on assets (ROA) | 0.9815% | 2,512 |
| Pretax return on assets | 1.5968% | 1,390 |
| Return on Equity (ROE) | 11.8372% | 1,644 |
| Retained earnings to average equity (ytd only) | 4.2927% | 2,444 |
| Net charge-offs to loans | 0.3651% | 3,010 |
| Credit loss provision to net charge-offs | 251.3750% | 1,850 |
| Earnings coverage of net charge-offs (x) | 7.7175% | 3,039 |
| Efficiency ratio | 51.4546% | 7,545 |
| Assets per employee ($millions) | 5.1024% | 1,836 |
| Cash dividends to net income (ytd only)* | 63.7358% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 2,214 |
| Loan loss allowance to noncurrent loans | 128.7607% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 1.0324% | 4,240 |
| Noncurrent loans to loans | 1.2483% | 4,017 |
| Net loans and leases to total assets | 81.3765% | 1,342 |
| Net loans and leases to deposits | 90.6845% | 3,337 |
| Net loans and leases to core deposits | 148.4492% | 916 |
| Total domestic deposits to total assets | 89.7359% | 754 |
| Equity capital to assets | 8.1760% | 6,586 |
| Core capital (leverage) ratio | 7.8629% | 6,710 |
| Tier 1 risk-based capital ratio | 9.1634% | 7,652 |
| Total risk-based capital ratio | 10.4172% | 7,612 |
| Memoranda: | ||
| Average total assets | $260,715,600 | 2,456 |
| Average earning assets | $247,338,200 | 2,388 |
| Average equity | $21,618,200 | 3,026 |
| Average total loans | $219,119,400 | 2,135 |