Home > Florida Bank of Jacksonville > Performance and Condition Ratios
Florida Bank of Jacksonville, Performance and Condition Ratios
| 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 | 6.0608% | 5,243 |
| Cost of funding earning assets | 3.6020% | 387 |
| Net interest margin | 2.4588% | 7,798 |
| Noninterest income to average assets | -0.0897% | 8,197 |
| Noninterest expense to average assets | 7.9169% | 224 |
| Loan and lease loss provision to assets | 1.2289% | 1,167 |
| Net operating income to assets | -6.2682% | 8,164 |
| Return on assets (ROA) | -6.2164% | 8,154 |
| Pretax return on assets | -7.0368% | 8,164 |
| Return on Equity (ROE) | -40.5059% | 8,080 |
| Retained earnings to average equity (ytd only) | -40.5059% | 8,053 |
| Net charge-offs to loans | 0.4174% | 2,732 |
| Credit loss provision to net charge-offs | 377.9249% | 1,164 |
| Earnings coverage of net charge-offs (x) | -18.0419% | 6,940 |
| Efficiency ratio | 150.2451% | 349 |
| Assets per employee ($millions) | 8.1166% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3717% | 781 |
| Loan loss allowance to noncurrent loans | 134.4434% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 2.6071% | 1,842 |
| Noncurrent loans to loans | 1.7641% | 3,119 |
| Net loans and leases to total assets | 79.6241% | 1,748 |
| Net loans and leases to deposits | 96.3084% | 2,399 |
| Net loans and leases to core deposits | 120.6467% | 2,628 |
| Total domestic deposits to total assets | 82.6761% | 3,906 |
| Equity capital to assets | 11.4299% | 2,678 |
| Core capital (leverage) ratio | 9.0188% | 4,712 |
| Tier 1 risk-based capital ratio | 11.3246% | 5,414 |
| Total risk-based capital ratio | 12.5876% | 5,307 |
| Memoranda: | ||
| Average total assets | $139,310,000 | 4,096 |
| Average earning assets | $121,237,400 | 4,228 |
| Average equity | $21,379,600 | 3,057 |
| Average total loans | $108,540,600 | 3,718 |