Home > First Commercial Bank of Tampa Bay > Performance and Condition Ratios
First Commercial Bank of Tampa Bay, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2516% | 6,143 |
| Cost of funding earning assets | 1.6483% | 677 |
| Net interest margin | 2.6033% | 7,121 |
| Noninterest income to average assets | 0.1867% | 6,385 |
| Noninterest expense to average assets | 5.6326% | 240 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -3.0745% | 7,399 |
| Return on assets (ROA) | -2.0854% | 7,294 |
| Pretax return on assets | -2.0854% | 7,270 |
| Return on Equity (ROE) | -104.2442% | 7,498 |
| Retained earnings to average equity (ytd only) | -104.2442% | 7,493 |
| Net charge-offs to loans | 3.1230% | 341 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.3579% | 4,928 |
| Efficiency ratio | 220.1863% | 55 |
| Assets per employee ($millions) | 3.4008% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4218% | 146 |
| Loan loss allowance to noncurrent loans | 33.5820% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 16.8823% | 107 |
| Noncurrent loans to loans | 16.1449% | 121 |
| Net loans and leases to total assets | 69.2641% | 2,274 |
| Net loans and leases to deposits | 73.7373% | 3,797 |
| Net loans and leases to core deposits | 80.7230% | 3,640 |
| Total domestic deposits to total assets | 93.9335% | 80 |
| Equity capital to assets | 1.5493% | 7,548 |
| Core capital (leverage) ratio | 1.5463% | 7,546 |
| Tier 1 risk-based capital ratio | 2.0519% | 7,548 |
| Total risk-based capital ratio | 3.3502% | 7,547 |
| Memoranda: | ||
| Average total assets | $100,700,000 | 4,990 |
| Average earning assets | $91,730,500 | 4,981 |
| Average equity | $2,014,500 | 7,393 |
| Average total loans | $73,006,500 | 4,513 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6046% | 6,098 |
| Cost of funding earning assets | 1.9707% | 673 |
| Net interest margin | 2.6339% | 7,181 |
| Noninterest income to average assets | 0.7694% | 2,427 |
| Noninterest expense to average assets | 4.1146% | 1,010 |
| Loan and lease loss provision to assets | 1.7319% | 816 |
| Net operating income to assets | -2.6505% | 7,219 |
| Return on assets (ROA) | -2.6397% | 7,233 |
| Pretax return on assets | -2.6397% | 7,210 |
| Return on Equity (ROE) | -45.2054% | 7,390 |
| Retained earnings to average equity (ytd only) | -45.2054% | 7,385 |
| Net charge-offs to loans | 6.3171% | 85 |
| Credit loss provision to net charge-offs | 39.0833% | 6,403 |
| Earnings coverage of net charge-offs (x) | -0.2073% | 6,296 |
| Efficiency ratio | 128.7419% | 329 |
| Assets per employee ($millions) | 3.5440% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0797% | 107 |
| Loan loss allowance to noncurrent loans | 39.3854% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 16.0621% | 133 |
| Noncurrent loans to loans | 15.4365% | 148 |
| Net loans and leases to total assets | 67.4282% | 3,119 |
| Net loans and leases to deposits | 72.4895% | 4,433 |
| Net loans and leases to core deposits | 82.0750% | 3,901 |
| Total domestic deposits to total assets | 93.0178% | 140 |
| Equity capital to assets | 2.4334% | 7,592 |
| Core capital (leverage) ratio | 1.9542% | 7,613 |
| Tier 1 risk-based capital ratio | 2.6734% | 7,613 |
| Total risk-based capital ratio | 3.9798% | 7,613 |
| Memoranda: | ||
| Average total assets | $120,618,200 | 4,470 |
| Average earning assets | $111,126,800 | 4,441 |
| Average equity | $7,043,400 | 6,019 |
| Average total loans | $84,612,200 | 4,194 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 5,812 |
| Cost of funding earning assets | 2.0209% | 706 |
| Net interest margin | 2.7426% | 7,188 |
| Noninterest income to average assets | 0.1407% | 6,849 |
| Noninterest expense to average assets | 3.8428% | 1,292 |
| Loan and lease loss provision to assets | 6.9949% | 26 |
| Net operating income to assets | -9.9935% | 7,743 |
| Return on assets (ROA) | -11.0456% | 7,748 |
| Pretax return on assets | -9.2174% | 7,739 |
| Return on Equity (ROE) | -168.9161% | 7,737 |
| Retained earnings to average equity (ytd only) | -168.9161% | 7,737 |
| Net charge-offs to loans | 4.6648% | 202 |
| Credit loss provision to net charge-offs | 214.7954% | 1,626 |
| Earnings coverage of net charge-offs (x) | -0.3594% | 6,273 |
| Efficiency ratio | 143.7974% | 229 |
| Assets per employee ($millions) | 3.8133% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5512% | 48 |
| Loan loss allowance to noncurrent loans | 48.8878% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 15.5211% | 140 |
| Noncurrent loans to loans | 15.4459% | 154 |
| Net loans and leases to total assets | 67.8880% | 3,245 |
| Net loans and leases to deposits | 78.6189% | 3,706 |
| Net loans and leases to core deposits | 92.9456% | 2,668 |
| Total domestic deposits to total assets | 86.3508% | 2,888 |
| Equity capital to assets | 3.8631% | 7,647 |
| Core capital (leverage) ratio | 3.2645% | 7,658 |
| Tier 1 risk-based capital ratio | 4.6382% | 7,656 |
| Total risk-based capital ratio | 5.9644% | 7,656 |
| Memoranda: | ||
| Average total assets | $125,078,750 | 4,440 |
| Average earning assets | $115,457,750 | 4,392 |
| Average equity | $8,179,000 | 5,735 |
| Average total loans | $87,318,750 | 4,186 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6968% | 6,154 |
| Cost of funding earning assets | 2.0406% | 801 |
| Net interest margin | 2.6562% | 7,298 |
| Noninterest income to average assets | 0.1031% | 7,089 |
| Noninterest expense to average assets | 3.6856% | 1,580 |
| Loan and lease loss provision to assets | 5.2344% | 96 |
| Net operating income to assets | -4.1930% | 7,641 |
| Return on assets (ROA) | -5.1959% | 7,706 |
| Pretax return on assets | -7.8855% | 7,782 |
| Return on Equity (ROE) | -71.1925% | 7,686 |
| Retained earnings to average equity (ytd only) | -71.1925% | 7,684 |
| Net charge-offs to loans | 1.2691% | 1,500 |
| Credit loss provision to net charge-offs | 599.6473% | 630 |
| Earnings coverage of net charge-offs (x) | -1.2963% | 6,160 |
| Efficiency ratio | 144.3038% | 231 |
| Assets per employee ($millions) | 4.7127% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3919% | 83 |
| Loan loss allowance to noncurrent loans | 32.3207% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 17.4715% | 85 |
| Noncurrent loans to loans | 19.7766% | 91 |
| Net loans and leases to total assets | 65.2333% | 3,999 |
| Net loans and leases to deposits | 79.4867% | 3,696 |
| Net loans and leases to core deposits | 112.3621% | 1,011 |
| Total domestic deposits to total assets | 82.0682% | 4,955 |
| Equity capital to assets | 9.1136% | 5,275 |
| Core capital (leverage) ratio | 5.9551% | 7,484 |
| Tier 1 risk-based capital ratio | 7.8631% | 7,532 |
| Total risk-based capital ratio | 9.1538% | 7,534 |
| Memoranda: | ||
| Average total assets | $129,910,000 | 4,356 |
| Average earning assets | $119,868,670 | 4,313 |
| Average equity | $9,481,330 | 5,346 |
| Average total loans | $89,356,330 | 4,163 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8453% | 5,701 |
| Cost of funding earning assets | 2.0586% | 916 |
| Net interest margin | 2.7867% | 7,195 |
| Noninterest income to average assets | -0.0299% | 7,713 |
| Noninterest expense to average assets | 3.7335% | 1,449 |
| Loan and lease loss provision to assets | 2.2455% | 478 |
| Net operating income to assets | -2.2485% | 7,511 |
| Return on assets (ROA) | -4.2246% | 7,738 |
| Pretax return on assets | -6.4132% | 7,820 |
| Return on Equity (ROE) | -65.3354% | 7,755 |
| Retained earnings to average equity (ytd only) | -65.3354% | 7,747 |
| Net charge-offs to loans | 0.7795% | 1,960 |
| Credit loss provision to net charge-offs | 421.3483% | 982 |
| Earnings coverage of net charge-offs (x) | -2.2022% | 5,485 |
| Efficiency ratio | 145.8480% | 226 |
| Assets per employee ($millions) | 4.3376% | 3,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5572% | 521 |
| Loan loss allowance to noncurrent loans | 21.9770% | 6,917 |
| Noncurrent assets plus other real estate owned to assets | 13.2055% | 201 |
| Noncurrent loans to loans | 16.1858% | 145 |
| Net loans and leases to total assets | 64.4604% | 4,228 |
| Net loans and leases to deposits | 78.2095% | 4,001 |
| Net loans and leases to core deposits | 117.9212% | 870 |
| Total domestic deposits to total assets | 82.4202% | 4,884 |
| Equity capital to assets | 9.3822% | 4,703 |
| Core capital (leverage) ratio | 8.3407% | 5,664 |
| Tier 1 risk-based capital ratio | 11.3895% | 5,777 |
| Total risk-based capital ratio | 12.6420% | 5,745 |
| Memoranda: | ||
| Average total assets | $133,599,500 | 4,332 |
| Average earning assets | $124,160,500 | 4,280 |
| Average equity | $8,638,500 | 5,649 |
| Average total loans | $91,340,000 | 4,175 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0743% | 6,176 |
| Cost of funding earning assets | 2.5535% | 890 |
| Net interest margin | 2.5208% | 7,407 |
| Noninterest income to average assets | 0.2516% | 6,303 |
| Noninterest expense to average assets | 3.5794% | 2,199 |
| Loan and lease loss provision to assets | 4.8938% | 206 |
| Net operating income to assets | -4.7876% | 7,712 |
| Return on assets (ROA) | -4.6671% | 7,696 |
| Pretax return on assets | -5.7541% | 7,782 |
| Return on Equity (ROE) | -64.7769% | 7,777 |
| Retained earnings to average equity (ytd only) | -64.7769% | 7,774 |
| Net charge-offs to loans | 2.7840% | 802 |
| Credit loss provision to net charge-offs | 255.2632% | 1,378 |
| Earnings coverage of net charge-offs (x) | -0.5263% | 6,705 |
| Efficiency ratio | 139.2557% | 389 |
| Assets per employee ($millions) | 4.4244% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3422% | 37 |
| Loan loss allowance to noncurrent loans | 52.1839% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 12.6119% | 225 |
| Noncurrent loans to loans | 15.9862% | 147 |
| Net loans and leases to total assets | 64.0863% | 4,584 |
| Net loans and leases to deposits | 74.4156% | 4,965 |
| Net loans and leases to core deposits | 124.5359% | 1,603 |
| Total domestic deposits to total assets | 86.1194% | 2,951 |
| Equity capital to assets | 3.5116% | 7,890 |
| Core capital (leverage) ratio | 3.6783% | 7,863 |
| Tier 1 risk-based capital ratio | 5.4872% | 7,844 |
| Total risk-based capital ratio | 6.8216% | 7,844 |
| Memoranda: | ||
| Average total assets | $152,621,400 | 3,917 |
| Average earning assets | $140,392,800 | 3,895 |
| Average equity | $10,996,200 | 5,024 |
| Average total loans | $105,100,600 | 3,800 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0458% | 6,461 |
| Cost of funding earning assets | 2.6457% | 919 |
| Net interest margin | 2.4001% | 7,567 |
| Noninterest income to average assets | 0.0888% | 7,454 |
| Noninterest expense to average assets | 3.0407% | 3,879 |
| Loan and lease loss provision to assets | 1.6092% | 1,173 |
| Net operating income to assets | -1.5586% | 7,139 |
| Return on assets (ROA) | -1.4916% | 7,108 |
| Pretax return on assets | -2.2598% | 7,268 |
| Return on Equity (ROE) | -18.6853% | 7,329 |
| Retained earnings to average equity (ytd only) | -18.6853% | 7,294 |
| Net charge-offs to loans | 2.3443% | 794 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | -0.4674% | 6,463 |
| Efficiency ratio | 132.8651% | 442 |
| Assets per employee ($millions) | 4.7333% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2560% | 1,342 |
| Loan loss allowance to noncurrent loans | 13.5692% | 7,371 |
| Noncurrent assets plus other real estate owned to assets | 11.9835% | 226 |
| Noncurrent loans to loans | 16.6259% | 112 |
| Net loans and leases to total assets | 65.7041% | 4,486 |
| Net loans and leases to deposits | 79.7327% | 4,433 |
| Net loans and leases to core deposits | 136.7521% | 1,063 |
| Total domestic deposits to total assets | 82.4054% | 4,496 |
| Equity capital to assets | 9.0752% | 5,373 |
| Core capital (leverage) ratio | 7.9072% | 6,492 |
| Tier 1 risk-based capital ratio | 11.2190% | 5,727 |
| Total risk-based capital ratio | 12.4701% | 5,678 |
| Memoranda: | ||
| Average total assets | $157,593,750 | 3,840 |
| Average earning assets | $144,434,250 | 3,832 |
| Average equity | $12,580,000 | 4,641 |
| Average total loans | $108,174,500 | 3,769 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7997% | 7,229 |
| Cost of funding earning assets | 2.7248% | 978 |
| Net interest margin | 2.0749% | 7,823 |
| Noninterest income to average assets | 0.0276% | 7,846 |
| Noninterest expense to average assets | 3.0369% | 3,936 |
| Loan and lease loss provision to assets | 2.2589% | 709 |
| Net operating income to assets | -3.1484% | 7,702 |
| Return on assets (ROA) | -2.9981% | 7,670 |
| Pretax return on assets | -3.2186% | 7,617 |
| Return on Equity (ROE) | -39.2574% | 7,841 |
| Retained earnings to average equity (ytd only) | -39.2574% | 7,826 |
| Net charge-offs to loans | 0.2684% | 3,848 |
| Credit loss provision to net charge-offs | 1,218.2432% | 405 |
| Earnings coverage of net charge-offs (x) | -6.0473% | 6,476 |
| Efficiency ratio | 158.5350% | 333 |
| Assets per employee ($millions) | 5.7509% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6342% | 337 |
| Loan loss allowance to noncurrent loans | 22.3529% | 6,999 |
| Noncurrent assets plus other real estate owned to assets | 10.9565% | 232 |
| Noncurrent loans to loans | 16.2584% | 105 |
| Net loans and leases to total assets | 60.7395% | 5,562 |
| Net loans and leases to deposits | 73.6323% | 5,514 |
| Net loans and leases to core deposits | 129.9085% | 1,573 |
| Total domestic deposits to total assets | 82.4903% | 4,486 |
| Equity capital to assets | 7.3722% | 7,370 |
| Core capital (leverage) ratio | 7.2372% | 7,318 |
| Tier 1 risk-based capital ratio | 10.0718% | 6,853 |
| Total risk-based capital ratio | 11.3465% | 6,750 |
| Memoranda: | ||
| Average total assets | $159,636,000 | 3,831 |
| Average earning assets | $145,260,000 | 3,836 |
| Average equity | $12,191,330 | 4,762 |
| Average total loans | $110,293,670 | 3,759 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1703% | 6,411 |
| Cost of funding earning assets | 2.9066% | 758 |
| Net interest margin | 2.2637% | 7,750 |
| Noninterest income to average assets | 0.1932% | 6,913 |
| Noninterest expense to average assets | 3.0159% | 3,694 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.5230% | 6,897 |
| Return on assets (ROA) | -0.5196% | 6,946 |
| Pretax return on assets | -0.8042% | 7,037 |
| Return on Equity (ROE) | -6.6737% | 7,119 |
| Retained earnings to average equity (ytd only) | -6.6737% | 6,757 |
| Net charge-offs to loans | 0.5366% | 2,107 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -2.0805% | 5,472 |
| Efficiency ratio | 136.6864% | 440 |
| Assets per employee ($millions) | 4.4949% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9629% | 1,495 |
| Loan loss allowance to noncurrent loans | 15.9679% | 7,362 |
| Noncurrent assets plus other real estate owned to assets | 9.5487% | 248 |
| Noncurrent loans to loans | 12.2928% | 168 |
| Net loans and leases to total assets | 68.1935% | 4,088 |
| Net loans and leases to deposits | 87.9952% | 3,292 |
| Net loans and leases to core deposits | 131.7718% | 1,551 |
| Total domestic deposits to total assets | 77.4968% | 6,147 |
| Equity capital to assets | 9.8964% | 4,119 |
| Core capital (leverage) ratio | 9.3315% | 4,199 |
| Tier 1 risk-based capital ratio | 11.8667% | 5,067 |
| Total risk-based capital ratio | 13.1203% | 4,969 |
| Memoranda: | ||
| Average total assets | $153,190,500 | 3,958 |
| Average earning assets | $136,239,500 | 4,034 |
| Average equity | $11,927,500 | 4,853 |
| Average total loans | $111,068,500 | 3,764 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0391% | 5,365 |
| Cost of funding earning assets | 3.1570% | 1,330 |
| Net interest margin | 2.8821% | 7,189 |
| Noninterest income to average assets | 0.0850% | 7,712 |
| Noninterest expense to average assets | 2.8421% | 4,634 |
| Loan and lease loss provision to assets | 2.7220% | 362 |
| Net operating income to assets | -3.5518% | 7,922 |
| Return on assets (ROA) | -4.1772% | 7,996 |
| Pretax return on assets | -3.4424% | 7,798 |
| Return on Equity (ROE) | -56.6697% | 8,187 |
| Retained earnings to average equity (ytd only) | -56.6697% | 8,172 |
| Net charge-offs to loans | 4.6269% | 117 |
| Credit loss provision to net charge-offs | 76.3952% | 5,969 |
| Earnings coverage of net charge-offs (x) | -0.0267% | 6,262 |
| Efficiency ratio | 103.4601% | 883 |
| Assets per employee ($millions) | 4.1406% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8383% | 499 |
| Loan loss allowance to noncurrent loans | 22.0834% | 7,140 |
| Noncurrent assets plus other real estate owned to assets | 10.7714% | 132 |
| Noncurrent loans to loans | 12.8528% | 104 |
| Net loans and leases to total assets | 73.4652% | 3,244 |
| Net loans and leases to deposits | 89.9295% | 3,468 |
| Net loans and leases to core deposits | 129.1901% | 1,911 |
| Total domestic deposits to total assets | 81.6921% | 4,325 |
| Equity capital to assets | 5.5588% | 8,127 |
| Core capital (leverage) ratio | 5.2502% | 8,188 |
| Tier 1 risk-based capital ratio | 6.6612% | 8,197 |
| Total risk-based capital ratio | 7.9284% | 8,205 |
| Memoranda: | ||
| Average total assets | $159,917,200 | 3,720 |
| Average earning assets | $147,703,800 | 3,695 |
| Average equity | $11,787,600 | 4,894 |
| Average total loans | $123,148,400 | 3,394 |