Home > First National Bank of Central Florida > Performance and Condition Ratios
First National Bank of Central Florida, 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 | 3.6231% | 7,119 |
| Cost of funding earning assets | 1.5694% | 916 |
| Net interest margin | 2.0537% | 7,398 |
| Noninterest income to average assets | -1.0454% | 7,538 |
| Noninterest expense to average assets | 3.9510% | 1,098 |
| Loan and lease loss provision to assets | 3.5730% | 125 |
| Net operating income to assets | -6.8048% | 7,520 |
| Return on assets (ROA) | -6.8048% | 7,520 |
| Pretax return on assets | -6.7656% | 7,520 |
| Return on Equity (ROE) | -963.7217% | 7,570 |
| Retained earnings to average equity (ytd only) | -963.7217% | 7,570 |
| Net charge-offs to loans | 3.6088% | 276 |
| Credit loss provision to net charge-offs | 138.3311% | 2,024 |
| Earnings coverage of net charge-offs (x) | -1.2361% | 4,919 |
| Efficiency ratio | 520.9726% | 7 |
| Assets per employee ($millions) | 4.8868% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2510% | 164 |
| Loan loss allowance to noncurrent loans | 19.0283% | 6,797 |
| Noncurrent assets plus other real estate owned to assets | 24.9986% | 25 |
| Noncurrent loans to loans | 27.5958% | 21 |
| Net loans and leases to total assets | 66.4151% | 2,897 |
| Net loans and leases to deposits | 73.5764% | 3,829 |
| Net loans and leases to core deposits | 77.1107% | 4,147 |
| Total domestic deposits to total assets | 90.2669% | 978 |
| Equity capital to assets | -0.1283% | 7,568 |
| Core capital (leverage) ratio | -0.1783% | 7,568 |
| Tier 1 risk-based capital ratio | -0.2489% | 7,569 |
| Total risk-based capital ratio | -0.2489% | 7,569 |
| Memoranda: | ||
| Average total assets | $347,047,500 | 1,898 |
| Average earning assets | $304,822,500 | 1,953 |
| Average equity | $2,450,500 | 7,306 |
| Average total loans | $248,394,000 | 1,737 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 6,846 |
| Cost of funding earning assets | 1.8027% | 1,164 |
| Net interest margin | 2.4593% | 7,295 |
| Noninterest income to average assets | -0.8157% | 7,606 |
| Noninterest expense to average assets | 3.1142% | 3,399 |
| Loan and lease loss provision to assets | 4.4408% | 116 |
| Net operating income to assets | -7.9059% | 7,617 |
| Return on assets (ROA) | -7.6627% | 7,614 |
| Pretax return on assets | -5.9693% | 7,584 |
| Return on Equity (ROE) | -121.2578% | 7,617 |
| Retained earnings to average equity (ytd only) | -121.2578% | 7,617 |
| Net charge-offs to loans | 5.9796% | 96 |
| Credit loss provision to net charge-offs | 104.0482% | 4,320 |
| Earnings coverage of net charge-offs (x) | -0.4151% | 6,414 |
| Efficiency ratio | 231.9831% | 62 |
| Assets per employee ($millions) | 4.7570% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5649% | 262 |
| Loan loss allowance to noncurrent loans | 17.1631% | 6,908 |
| Noncurrent assets plus other real estate owned to assets | 23.9245% | 36 |
| Noncurrent loans to loans | 26.5971% | 29 |
| Net loans and leases to total assets | 69.6767% | 2,610 |
| Net loans and leases to deposits | 78.5771% | 3,414 |
| Net loans and leases to core deposits | 87.7244% | 3,092 |
| Total domestic deposits to total assets | 88.6730% | 1,843 |
| Equity capital to assets | 1.5170% | 7,623 |
| Core capital (leverage) ratio | 1.4130% | 7,621 |
| Tier 1 risk-based capital ratio | 1.9608% | 7,622 |
| Total risk-based capital ratio | 3.2506% | 7,622 |
| Memoranda: | ||
| Average total assets | $404,570,200 | 1,632 |
| Average earning assets | $355,025,800 | 1,693 |
| Average equity | $25,566,200 | 2,492 |
| Average total loans | $288,765,000 | 1,550 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3752% | 6,852 |
| Cost of funding earning assets | 1.8404% | 1,259 |
| Net interest margin | 2.5347% | 7,352 |
| Noninterest income to average assets | -1.3891% | 7,742 |
| Noninterest expense to average assets | 3.0406% | 3,605 |
| Loan and lease loss provision to assets | 3.6599% | 185 |
| Net operating income to assets | -3.6341% | 7,534 |
| Return on assets (ROA) | -3.4396% | 7,524 |
| Pretax return on assets | -5.5600% | 7,675 |
| Return on Equity (ROE) | -46.9182% | 7,542 |
| Retained earnings to average equity (ytd only) | -46.9182% | 7,540 |
| Net charge-offs to loans | 3.4956% | 386 |
| Credit loss provision to net charge-offs | 147.3968% | 2,661 |
| Earnings coverage of net charge-offs (x) | -0.8876% | 6,429 |
| Efficiency ratio | 363.4491% | 17 |
| Assets per employee ($millions) | 5.3724% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2100% | 151 |
| Loan loss allowance to noncurrent loans | 22.1014% | 6,811 |
| Noncurrent assets plus other real estate owned to assets | 19.4164% | 70 |
| Noncurrent loans to loans | 23.5733% | 39 |
| Net loans and leases to total assets | 67.3637% | 3,362 |
| Net loans and leases to deposits | 80.1942% | 3,414 |
| Net loans and leases to core deposits | 91.1675% | 2,926 |
| Total domestic deposits to total assets | 84.0007% | 4,129 |
| Equity capital to assets | 6.4979% | 7,425 |
| Core capital (leverage) ratio | 3.1022% | 7,672 |
| Tier 1 risk-based capital ratio | 4.1763% | 7,685 |
| Total risk-based capital ratio | 5.4753% | 7,687 |
| Memoranda: | ||
| Average total assets | $417,708,750 | 1,613 |
| Average earning assets | $366,785,750 | 1,669 |
| Average equity | $30,622,750 | 2,154 |
| Average total loans | $296,705,000 | 1,525 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5122% | 6,681 |
| Cost of funding earning assets | 1.8925% | 1,267 |
| Net interest margin | 2.6197% | 7,330 |
| Noninterest income to average assets | -1.1837% | 7,800 |
| Noninterest expense to average assets | 2.9791% | 3,788 |
| Loan and lease loss provision to assets | 3.0224% | 322 |
| Net operating income to assets | -3.0091% | 7,513 |
| Return on assets (ROA) | -2.9183% | 7,503 |
| Pretax return on assets | -4.7245% | 7,662 |
| Return on Equity (ROE) | -38.4428% | 7,520 |
| Retained earnings to average equity (ytd only) | -38.4428% | 7,512 |
| Net charge-offs to loans | 4.1423% | 305 |
| Credit loss provision to net charge-offs | 102.7391% | 3,969 |
| Earnings coverage of net charge-offs (x) | -0.6268% | 6,054 |
| Efficiency ratio | 262.4325% | 55 |
| Assets per employee ($millions) | 4.9564% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8953% | 401 |
| Loan loss allowance to noncurrent loans | 21.7727% | 6,856 |
| Noncurrent assets plus other real estate owned to assets | 15.4801% | 130 |
| Noncurrent loans to loans | 17.8908% | 111 |
| Net loans and leases to total assets | 68.8541% | 3,156 |
| Net loans and leases to deposits | 83.0816% | 3,057 |
| Net loans and leases to core deposits | 97.9206% | 2,239 |
| Total domestic deposits to total assets | 82.8752% | 4,621 |
| Equity capital to assets | 7.6898% | 6,999 |
| Core capital (leverage) ratio | 5.5756% | 7,542 |
| Tier 1 risk-based capital ratio | 7.4498% | 7,561 |
| Total risk-based capital ratio | 8.7312% | 7,569 |
| Memoranda: | ||
| Average total assets | $424,425,000 | 1,608 |
| Average earning assets | $375,695,330 | 1,643 |
| Average equity | $32,219,330 | 2,048 |
| Average total loans | $301,429,670 | 1,522 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2651% | 7,184 |
| Cost of funding earning assets | 1.9364% | 1,300 |
| Net interest margin | 2.3286% | 7,576 |
| Noninterest income to average assets | 0.2303% | 6,307 |
| Noninterest expense to average assets | 2.7887% | 4,523 |
| Loan and lease loss provision to assets | 1.6866% | 673 |
| Net operating income to assets | -1.2223% | 7,226 |
| Return on assets (ROA) | -1.2223% | 7,246 |
| Pretax return on assets | -2.1638% | 7,449 |
| Return on Equity (ROE) | -16.1980% | 7,344 |
| Retained earnings to average equity (ytd only) | -16.1980% | 7,252 |
| Net charge-offs to loans | 1.3920% | 1,239 |
| Credit loss provision to net charge-offs | 171.2954% | 2,119 |
| Earnings coverage of net charge-offs (x) | -0.4846% | 5,275 |
| Efficiency ratio | 120.6431% | 437 |
| Assets per employee ($millions) | 5.2727% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9107% | 407 |
| Loan loss allowance to noncurrent loans | 19.4542% | 7,043 |
| Noncurrent assets plus other real estate owned to assets | 17.1631% | 98 |
| Noncurrent loans to loans | 20.1023% | 74 |
| Net loans and leases to total assets | 67.8750% | 3,417 |
| Net loans and leases to deposits | 81.2280% | 3,421 |
| Net loans and leases to core deposits | 98.8269% | 2,257 |
| Total domestic deposits to total assets | 83.5611% | 4,358 |
| Equity capital to assets | 7.5435% | 7,038 |
| Core capital (leverage) ratio | 6.2336% | 7,544 |
| Tier 1 risk-based capital ratio | 8.7245% | 7,531 |
| Total risk-based capital ratio | 10.0071% | 7,551 |
| Memoranda: | ||
| Average total assets | $435,905,000 | 1,605 |
| Average earning assets | $389,582,500 | 1,629 |
| Average equity | $32,893,000 | 2,045 |
| Average total loans | $308,330,000 | 1,528 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8122% | 6,925 |
| Cost of funding earning assets | 2.5114% | 1,001 |
| Net interest margin | 2.3008% | 7,593 |
| Noninterest income to average assets | 0.3770% | 5,395 |
| Noninterest expense to average assets | 2.7502% | 5,167 |
| Loan and lease loss provision to assets | 2.0164% | 1,066 |
| Net operating income to assets | -1.3850% | 6,807 |
| Return on assets (ROA) | -1.2690% | 6,750 |
| Pretax return on assets | -2.0791% | 6,971 |
| Return on Equity (ROE) | -16.3522% | 7,006 |
| Retained earnings to average equity (ytd only) | -16.8960% | 6,982 |
| Net charge-offs to loans | 1.5602% | 1,615 |
| Credit loss provision to net charge-offs | 185.0424% | 2,202 |
| Earnings coverage of net charge-offs (x) | -0.2239% | 6,483 |
| Efficiency ratio | 109.7354% | 801 |
| Assets per employee ($millions) | 5.5591% | 1,598 |
| Cash dividends to net income (ytd only)* | -3.3259% | 7,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5031% | 526 |
| Loan loss allowance to noncurrent loans | 16.0138% | 7,211 |
| Noncurrent assets plus other real estate owned to assets | 17.6190% | 91 |
| Noncurrent loans to loans | 21.8755% | 58 |
| Net loans and leases to total assets | 68.3443% | 3,627 |
| Net loans and leases to deposits | 81.4128% | 3,715 |
| Net loans and leases to core deposits | 105.9507% | 3,343 |
| Total domestic deposits to total assets | 83.9478% | 4,049 |
| Equity capital to assets | 7.5483% | 6,990 |
| Core capital (leverage) ratio | 6.5249% | 7,479 |
| Tier 1 risk-based capital ratio | 9.1384% | 7,407 |
| Total risk-based capital ratio | 10.4161% | 7,404 |
| Memoranda: | ||
| Average total assets | $497,572,000 | 1,384 |
| Average earning assets | $460,452,800 | 1,366 |
| Average equity | $38,612,600 | 1,737 |
| Average total loans | $347,509,000 | 1,392 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8282% | 7,055 |
| Cost of funding earning assets | 2.6333% | 943 |
| Net interest margin | 2.1948% | 7,711 |
| Noninterest income to average assets | 0.3639% | 5,592 |
| Noninterest expense to average assets | 2.1921% | 6,999 |
| Loan and lease loss provision to assets | 0.5273% | 3,278 |
| Net operating income to assets | -0.1692% | 6,007 |
| Return on assets (ROA) | -0.0185% | 5,801 |
| Pretax return on assets | -0.0767% | 5,813 |
| Return on Equity (ROE) | -0.2374% | 5,818 |
| Retained earnings to average equity (ytd only) | -0.9396% | 5,477 |
| Net charge-offs to loans | 1.3688% | 1,502 |
| Credit loss provision to net charge-offs | 55.3273% | 6,241 |
| Earnings coverage of net charge-offs (x) | 0.2257% | 5,791 |
| Efficiency ratio | 91.0648% | 1,605 |
| Assets per employee ($millions) | 5.1645% | 1,943 |
| Cash dividends to net income (ytd only)* | -295.7849% | 8,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 3,720 |
| Loan loss allowance to noncurrent loans | 18.6713% | 7,162 |
| Noncurrent assets plus other real estate owned to assets | 7.0374% | 685 |
| Noncurrent loans to loans | 7.7291% | 654 |
| Net loans and leases to total assets | 69.6343% | 3,594 |
| Net loans and leases to deposits | 84.0159% | 3,638 |
| Net loans and leases to core deposits | 104.8678% | 3,839 |
| Total domestic deposits to total assets | 82.8822% | 4,281 |
| Equity capital to assets | 8.4466% | 6,315 |
| Core capital (leverage) ratio | 7.2377% | 7,235 |
| Tier 1 risk-based capital ratio | 10.3588% | 6,615 |
| Total risk-based capital ratio | 11.6106% | 6,552 |
| Memoranda: | ||
| Average total assets | $510,783,750 | 1,363 |
| Average earning assets | $475,532,000 | 1,347 |
| Average equity | $39,873,500 | 1,705 |
| Average total loans | $355,641,750 | 1,373 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9744% | 6,852 |
| Cost of funding earning assets | 2.7098% | 1,009 |
| Net interest margin | 2.2646% | 7,699 |
| Noninterest income to average assets | 0.3585% | 5,644 |
| Noninterest expense to average assets | 2.1324% | 7,207 |
| Loan and lease loss provision to assets | 0.4207% | 3,436 |
| Net operating income to assets | -0.0592% | 5,937 |
| Return on assets (ROA) | 0.1827% | 5,409 |
| Pretax return on assets | 0.2471% | 5,338 |
| Return on Equity (ROE) | 2.3991% | 5,139 |
| Retained earnings to average equity (ytd only) | 1.3473% | 4,590 |
| Net charge-offs to loans | 1.5686% | 1,205 |
| Credit loss provision to net charge-offs | 38.6882% | 5,920 |
| Earnings coverage of net charge-offs (x) | 0.3136% | 5,362 |
| Efficiency ratio | 86.2143% | 2,210 |
| Assets per employee ($millions) | 6.0069% | 1,214 |
| Cash dividends to net income (ytd only)* | 43.8413% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 3,943 |
| Loan loss allowance to noncurrent loans | 32.8324% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 4.1135% | 1,420 |
| Noncurrent loans to loans | 4.1356% | 1,611 |
| Net loans and leases to total assets | 65.7427% | 4,621 |
| Net loans and leases to deposits | 78.6221% | 4,762 |
| Net loans and leases to core deposits | 98.7279% | 4,624 |
| Total domestic deposits to total assets | 83.6185% | 3,956 |
| Equity capital to assets | 7.6478% | 7,134 |
| Core capital (leverage) ratio | 7.0646% | 7,491 |
| Tier 1 risk-based capital ratio | 10.1228% | 6,805 |
| Total risk-based capital ratio | 11.3730% | 6,726 |
| Memoranda: | ||
| Average total assets | $524,387,000 | 1,345 |
| Average earning assets | $489,708,000 | 1,322 |
| Average equity | $39,932,330 | 1,704 |
| Average total loans | $363,504,000 | 1,373 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0513% | 6,792 |
| Cost of funding earning assets | 2.7563% | 1,095 |
| Net interest margin | 2.2950% | 7,720 |
| Noninterest income to average assets | 0.3248% | 5,855 |
| Noninterest expense to average assets | 1.9891% | 7,378 |
| Loan and lease loss provision to assets | 0.2287% | 4,159 |
| Net operating income to assets | 0.1677% | 5,765 |
| Return on assets (ROA) | 0.4558% | 4,804 |
| Pretax return on assets | 0.6845% | 4,489 |
| Return on Equity (ROE) | 5.9983% | 4,040 |
| Retained earnings to average equity (ytd only) | 5.9983% | 2,629 |
| Net charge-offs to loans | 0.0675% | 4,524 |
| Credit loss provision to net charge-offs | 479.3651% | 1,121 |
| Earnings coverage of net charge-offs (x) | 10.1270% | 1,976 |
| Efficiency ratio | 80.4594% | 2,752 |
| Assets per employee ($millions) | 6.3234% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7921% | 1,873 |
| Loan loss allowance to noncurrent loans | 32.6201% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 4.3813% | 1,115 |
| Noncurrent loans to loans | 5.4940% | 933 |
| Net loans and leases to total assets | 67.9221% | 4,159 |
| Net loans and leases to deposits | 81.0487% | 4,441 |
| Net loans and leases to core deposits | 101.3850% | 4,404 |
| Total domestic deposits to total assets | 83.8040% | 3,798 |
| Equity capital to assets | 7.4962% | 7,355 |
| Core capital (leverage) ratio | 7.5619% | 7,080 |
| Tier 1 risk-based capital ratio | 10.4799% | 6,416 |
| Total risk-based capital ratio | 11.7359% | 6,326 |
| Memoranda: | ||
| Average total assets | $528,282,500 | 1,338 |
| Average earning assets | $494,293,000 | 1,315 |
| Average equity | $40,144,500 | 1,699 |
| Average total loans | $373,106,500 | 1,344 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2452% | 4,270 |
| Cost of funding earning assets | 3.0204% | 1,801 |
| Net interest margin | 3.2248% | 6,289 |
| Noninterest income to average assets | 0.1096% | 7,585 |
| Noninterest expense to average assets | 2.6596% | 5,413 |
| Loan and lease loss provision to assets | 1.3868% | 1,002 |
| Net operating income to assets | -0.5605% | 6,967 |
| Return on assets (ROA) | -0.5605% | 6,856 |
| Pretax return on assets | -0.9466% | 6,969 |
| Return on Equity (ROE) | -6.5530% | 7,005 |
| Retained earnings to average equity (ytd only) | -7.9893% | 6,887 |
| Net charge-offs to loans | 1.1441% | 1,059 |
| Credit loss provision to net charge-offs | 152.9754% | 3,417 |
| Earnings coverage of net charge-offs (x) | 0.4856% | 5,946 |
| Efficiency ratio | 85.7988% | 1,873 |
| Assets per employee ($millions) | 5.8986% | 1,196 |
| Cash dividends to net income (ytd only)* | -21.9173% | 7,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7152% | 1,865 |
| Loan loss allowance to noncurrent loans | 40.3505% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 3.6688% | 1,192 |
| Noncurrent loans to loans | 4.2507% | 1,145 |
| Net loans and leases to total assets | 70.9056% | 3,811 |
| Net loans and leases to deposits | 86.0230% | 4,115 |
| Net loans and leases to core deposits | 104.6520% | 4,339 |
| Total domestic deposits to total assets | 82.4264% | 4,031 |
| Equity capital to assets | 7.7056% | 7,197 |
| Core capital (leverage) ratio | 8.0553% | 6,396 |
| Tier 1 risk-based capital ratio | 9.6144% | 7,191 |
| Total risk-based capital ratio | 10.8680% | 7,074 |
| Memoranda: | ||
| Average total assets | $474,537,200 | 1,456 |
| Average earning assets | $440,034,000 | 1,421 |
| Average equity | $40,592,000 | 1,652 |
| Average total loans | $376,010,400 | 1,291 |