Home > Florida Community Bank > Performance and Condition Ratios
Florida Community Bank, Performance and Condition Ratios
| 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 | 3.9664% | 7,709 |
| Cost of funding earning assets | 3.7570% | 17 |
| Net interest margin | 0.2094% | 7,989 |
| Noninterest income to average assets | 0.2067% | 6,628 |
| Noninterest expense to average assets | 3.1601% | 3,511 |
| Loan and lease loss provision to assets | 4.5350% | 256 |
| Net operating income to assets | -5.6379% | 7,808 |
| Return on assets (ROA) | -5.3733% | 7,780 |
| Pretax return on assets | -6.9682% | 7,870 |
| Return on Equity (ROE) | -156.6340% | 7,990 |
| Retained earnings to average equity (ytd only) | -156.6340% | 7,990 |
| Net charge-offs to loans | 3.7572% | 486 |
| Credit loss provision to net charge-offs | 188.1360% | 2,145 |
| Earnings coverage of net charge-offs (x) | -1.1520% | 6,913 |
| Efficiency ratio | 824.3902% | 19 |
| Assets per employee ($millions) | 5.5344% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0776% | 23 |
| Loan loss allowance to noncurrent loans | 24.3205% | 6,838 |
| Noncurrent assets plus other real estate owned to assets | 37.9784% | 3 |
| Noncurrent loans to loans | 41.4368% | 7 |
| Net loans and leases to total assets | 59.4774% | 5,423 |
| Net loans and leases to deposits | 64.0074% | 6,260 |
| Net loans and leases to core deposits | 66.7014% | 6,947 |
| Total domestic deposits to total assets | 92.9227% | 139 |
| Equity capital to assets | 0.2112% | 7,993 |
| Core capital (leverage) ratio | 0.2219% | 7,997 |
| Tier 1 risk-based capital ratio | 0.3022% | 7,996 |
| Total risk-based capital ratio | 0.6044% | 7,996 |
| Memoranda: | ||
| Average total assets | $909,143,600 | 744 |
| Average earning assets | $767,017,400 | 809 |
| Average equity | $31,188,000 | 2,151 |
| Average total loans | $583,274,600 | 820 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1609% | 7,746 |
| Cost of funding earning assets | 3.8093% | 17 |
| Net interest margin | 0.3516% | 8,064 |
| Noninterest income to average assets | 0.2037% | 6,763 |
| Noninterest expense to average assets | 3.1460% | 3,477 |
| Loan and lease loss provision to assets | 2.0600% | 862 |
| Net operating income to assets | -4.7046% | 7,817 |
| Return on assets (ROA) | -4.2555% | 7,777 |
| Pretax return on assets | -4.2555% | 7,726 |
| Return on Equity (ROE) | -102.4023% | 8,016 |
| Retained earnings to average equity (ytd only) | -102.4023% | 8,014 |
| Net charge-offs to loans | 3.1824% | 507 |
| Credit loss provision to net charge-offs | 101.6024% | 5,010 |
| Earnings coverage of net charge-offs (x) | -1.3044% | 6,680 |
| Efficiency ratio | 627.4369% | 20 |
| Assets per employee ($millions) | 5.5410% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4227% | 65 |
| Loan loss allowance to noncurrent loans | 18.5737% | 7,167 |
| Noncurrent assets plus other real estate owned to assets | 32.2709% | 5 |
| Noncurrent loans to loans | 34.5797% | 9 |
| Net loans and leases to total assets | 60.9368% | 5,437 |
| Net loans and leases to deposits | 67.0667% | 6,203 |
| Net loans and leases to core deposits | 69.0192% | 7,013 |
| Total domestic deposits to total assets | 90.8599% | 464 |
| Equity capital to assets | 2.4149% | 8,046 |
| Core capital (leverage) ratio | 2.3221% | 8,042 |
| Tier 1 risk-based capital ratio | 3.2755% | 8,041 |
| Total risk-based capital ratio | 4.5801% | 8,044 |
| Memoranda: | ||
| Average total assets | $927,504,250 | 738 |
| Average earning assets | $785,253,000 | 798 |
| Average equity | $38,543,750 | 1,762 |
| Average total loans | $590,903,750 | 822 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5118% | 7,619 |
| Cost of funding earning assets | 3.8630% | 31 |
| Net interest margin | 0.6488% | 8,133 |
| Noninterest income to average assets | 0.2282% | 6,650 |
| Noninterest expense to average assets | 2.8604% | 4,682 |
| Loan and lease loss provision to assets | 0.7155% | 2,292 |
| Net operating income to assets | -2.8005% | 7,632 |
| Return on assets (ROA) | -2.1392% | 7,459 |
| Pretax return on assets | -2.1392% | 7,326 |
| Return on Equity (ROE) | -45.5797% | 7,892 |
| Retained earnings to average equity (ytd only) | -45.5797% | 7,883 |
| Net charge-offs to loans | 3.7194% | 398 |
| Credit loss provision to net charge-offs | 30.4012% | 6,026 |
| Earnings coverage of net charge-offs (x) | -0.8860% | 6,200 |
| Efficiency ratio | 368.9053% | 61 |
| Assets per employee ($millions) | 5.4908% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9404% | 131 |
| Loan loss allowance to noncurrent loans | 14.4752% | 7,377 |
| Noncurrent assets plus other real estate owned to assets | 30.5563% | 15 |
| Noncurrent loans to loans | 34.1298% | 12 |
| Net loans and leases to total assets | 59.7651% | 5,716 |
| Net loans and leases to deposits | 66.9178% | 6,304 |
| Net loans and leases to core deposits | 69.2431% | 7,062 |
| Total domestic deposits to total assets | 89.3112% | 1,118 |
| Equity capital to assets | 4.2592% | 8,082 |
| Core capital (leverage) ratio | 4.2239% | 8,078 |
| Tier 1 risk-based capital ratio | 5.7330% | 8,070 |
| Total risk-based capital ratio | 7.0181% | 8,075 |
| Memoranda: | ||
| Average total assets | $944,848,000 | 742 |
| Average earning assets | $796,844,000 | 799 |
| Average equity | $44,344,330 | 1,539 |
| Average total loans | $597,838,000 | 829 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8123% | 7,354 |
| Cost of funding earning assets | 3.8436% | 54 |
| Net interest margin | 0.9687% | 8,168 |
| Noninterest income to average assets | 0.2100% | 6,789 |
| Noninterest expense to average assets | 2.8467% | 4,350 |
| Loan and lease loss provision to assets | 1.0292% | 1,276 |
| Net operating income to assets | -2.8430% | 7,821 |
| Return on assets (ROA) | -2.8430% | 7,826 |
| Pretax return on assets | -2.8430% | 7,725 |
| Return on Equity (ROE) | -57.9877% | 8,079 |
| Retained earnings to average equity (ytd only) | -57.9877% | 8,062 |
| Net charge-offs to loans | 2.4984% | 563 |
| Credit loss provision to net charge-offs | 64.9077% | 4,442 |
| Earnings coverage of net charge-offs (x) | -1.1438% | 5,392 |
| Efficiency ratio | 275.5772% | 104 |
| Assets per employee ($millions) | 5.5666% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9532% | 69 |
| Loan loss allowance to noncurrent loans | 23.1196% | 7,012 |
| Noncurrent assets plus other real estate owned to assets | 22.3260% | 29 |
| Noncurrent loans to loans | 25.7497% | 20 |
| Net loans and leases to total assets | 57.8470% | 5,964 |
| Net loans and leases to deposits | 64.8552% | 6,478 |
| Net loans and leases to core deposits | 66.8359% | 7,202 |
| Total domestic deposits to total assets | 89.1942% | 1,144 |
| Equity capital to assets | 4.5413% | 8,143 |
| Core capital (leverage) ratio | 4.4644% | 8,152 |
| Tier 1 risk-based capital ratio | 5.8345% | 8,145 |
| Total risk-based capital ratio | 7.1271% | 8,147 |
| Memoranda: | ||
| Average total assets | $956,046,000 | 731 |
| Average earning assets | $812,259,500 | 786 |
| Average equity | $46,872,000 | 1,472 |
| Average total loans | $606,779,000 | 811 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5009% | 7,303 |
| Cost of funding earning assets | 3.7025% | 265 |
| Net interest margin | 1.7983% | 8,127 |
| Noninterest income to average assets | 0.2323% | 6,770 |
| Noninterest expense to average assets | 3.5829% | 2,195 |
| Loan and lease loss provision to assets | 7.2549% | 36 |
| Net operating income to assets | -7.8921% | 8,220 |
| Return on assets (ROA) | -7.8921% | 8,216 |
| Pretax return on assets | -9.0007% | 8,228 |
| Return on Equity (ROE) | -76.1742% | 8,242 |
| Retained earnings to average equity (ytd only) | -76.4270% | 8,237 |
| Net charge-offs to loans | 7.4009% | 35 |
| Credit loss provision to net charge-offs | 135.6932% | 3,931 |
| Earnings coverage of net charge-offs (x) | -0.3265% | 6,429 |
| Efficiency ratio | 195.0288% | 208 |
| Assets per employee ($millions) | 5.3934% | 1,543 |
| Cash dividends to net income (ytd only)* | -0.3318% | 7,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8258% | 64 |
| Loan loss allowance to noncurrent loans | 23.2655% | 7,089 |
| Noncurrent assets plus other real estate owned to assets | 20.4685% | 25 |
| Noncurrent loans to loans | 25.0406% | 19 |
| Net loans and leases to total assets | 61.6202% | 5,677 |
| Net loans and leases to deposits | 69.4962% | 6,326 |
| Net loans and leases to core deposits | 71.9122% | 7,082 |
| Total domestic deposits to total assets | 88.6669% | 1,173 |
| Equity capital to assets | 5.2652% | 8,156 |
| Core capital (leverage) ratio | 4.8809% | 8,220 |
| Tier 1 risk-based capital ratio | 6.6433% | 8,198 |
| Total risk-based capital ratio | 7.9373% | 8,204 |
| Memoranda: | ||
| Average total assets | $954,804,600 | 697 |
| Average earning assets | $852,064,800 | 709 |
| Average equity | $98,923,200 | 671 |
| Average total loans | $689,770,600 | 690 |