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FirstBank Florida, Performance and Condition Ratios
| 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 | 5.7754% | 3,159 |
| Cost of funding earning assets | 3.3808% | 156 |
| Net interest margin | 2.3946% | 7,579 |
| Noninterest income to average assets | -0.5734% | 8,126 |
| Noninterest expense to average assets | 2.7251% | 5,275 |
| Loan and lease loss provision to assets | 3.3920% | 425 |
| Net operating income to assets | -2.8461% | 7,640 |
| Return on assets (ROA) | -2.7199% | 7,605 |
| Pretax return on assets | -4.3253% | 7,784 |
| Return on Equity (ROE) | -18.1346% | 7,459 |
| Retained earnings to average equity (ytd only) | -18.1346% | 7,397 |
| Net charge-offs to loans | 4.0994% | 338 |
| Credit loss provision to net charge-offs | 101.0862% | 4,519 |
| Earnings coverage of net charge-offs (x) | -0.3369% | 5,981 |
| Efficiency ratio | 110.0967% | 847 |
| Assets per employee ($millions) | 6.2428% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 6,352 |
| Loan loss allowance to noncurrent loans | 7.9748% | 7,522 |
| Noncurrent assets plus other real estate owned to assets | 11.0351% | 229 |
| Noncurrent loans to loans | 12.3466% | 205 |
| Net loans and leases to total assets | 80.5322% | 1,221 |
| Net loans and leases to deposits | 143.9245% | 74 |
| Net loans and leases to core deposits | 197.3606% | 128 |
| Total domestic deposits to total assets | 55.9545% | 8,007 |
| Equity capital to assets | 16.5394% | 742 |
| Core capital (leverage) ratio | 13.6501% | 1,229 |
| Tier 1 risk-based capital ratio | 18.7748% | 1,823 |
| Total risk-based capital ratio | 19.9198% | 1,797 |
| Memoranda: | ||
| Average total assets | $960,265,000 | 727 |
| Average earning assets | $869,381,000 | 727 |
| Average equity | $144,022,670 | 485 |
| Average total loans | $786,027,000 | 619 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8053% | 3,270 |
| Cost of funding earning assets | 3.5217% | 144 |
| Net interest margin | 2.2836% | 7,733 |
| Noninterest income to average assets | -0.6217% | 8,198 |
| Noninterest expense to average assets | 3.2924% | 2,678 |
| Loan and lease loss provision to assets | 3.7795% | 260 |
| Net operating income to assets | -3.5203% | 7,925 |
| Return on assets (ROA) | -3.5203% | 7,918 |
| Pretax return on assets | -5.6302% | 8,024 |
| Return on Equity (ROE) | -24.6935% | 7,837 |
| Retained earnings to average equity (ytd only) | -24.6935% | 7,762 |
| Net charge-offs to loans | 4.2669% | 276 |
| Credit loss provision to net charge-offs | 107.8802% | 3,552 |
| Earnings coverage of net charge-offs (x) | -0.5282% | 5,260 |
| Efficiency ratio | 112.7568% | 756 |
| Assets per employee ($millions) | 6.1139% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 6,094 |
| Loan loss allowance to noncurrent loans | 11.4998% | 7,490 |
| Noncurrent assets plus other real estate owned to assets | 7.8813% | 383 |
| Noncurrent loans to loans | 8.8090% | 373 |
| Net loans and leases to total assets | 81.3885% | 1,119 |
| Net loans and leases to deposits | 148.1291% | 68 |
| Net loans and leases to core deposits | 214.2734% | 107 |
| Total domestic deposits to total assets | 54.9443% | 8,061 |
| Equity capital to assets | 16.6137% | 779 |
| Core capital (leverage) ratio | 13.7523% | 1,248 |
| Tier 1 risk-based capital ratio | 19.0014% | 1,810 |
| Total risk-based capital ratio | 20.1976% | 1,780 |
| Memoranda: | ||
| Average total assets | $972,189,000 | 715 |
| Average earning assets | $878,438,000 | 721 |
| Average equity | $138,595,000 | 501 |
| Average total loans | $798,232,500 | 619 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7998% | 1,677 |
| Cost of funding earning assets | 4.0484% | 85 |
| Net interest margin | 2.7514% | 7,408 |
| Noninterest income to average assets | -0.5952% | 8,279 |
| Noninterest expense to average assets | 1.8547% | 7,683 |
| Loan and lease loss provision to assets | 1.6682% | 783 |
| Net operating income to assets | -1.0069% | 7,253 |
| Return on assets (ROA) | -1.0069% | 7,174 |
| Pretax return on assets | -1.5997% | 7,298 |
| Return on Equity (ROE) | -8.9676% | 7,193 |
| Retained earnings to average equity (ytd only) | -8.9676% | 6,965 |
| Net charge-offs to loans | 1.0020% | 1,238 |
| Credit loss provision to net charge-offs | 192.7526% | 2,541 |
| Earnings coverage of net charge-offs (x) | 0.0791% | 6,203 |
| Efficiency ratio | 89.0636% | 1,581 |
| Assets per employee ($millions) | 6.4770% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 6,633 |
| Loan loss allowance to noncurrent loans | 16.6424% | 7,349 |
| Noncurrent assets plus other real estate owned to assets | 5.0088% | 693 |
| Noncurrent loans to loans | 5.4517% | 758 |
| Net loans and leases to total assets | 81.2510% | 1,373 |
| Net loans and leases to deposits | 139.5103% | 109 |
| Net loans and leases to core deposits | 204.2728% | 158 |
| Total domestic deposits to total assets | 58.2401% | 8,007 |
| Equity capital to assets | 11.9572% | 2,310 |
| Core capital (leverage) ratio | 8.7817% | 5,065 |
| Tier 1 risk-based capital ratio | 12.4336% | 4,486 |
| Total risk-based capital ratio | 13.5315% | 4,484 |
| Memoranda: | ||
| Average total assets | $939,038,400 | 708 |
| Average earning assets | $859,493,400 | 701 |
| Average equity | $105,435,400 | 637 |
| Average total loans | $811,086,000 | 582 |