Home > Hancock Bank of Florida > Performance and Condition Ratios
Hancock Bank of Florida, 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 | 4.0906% | 7,655 |
| Cost of funding earning assets | 1.2624% | 6,428 |
| Net interest margin | 2.8282% | 7,011 |
| Noninterest income to average assets | 0.3810% | 5,364 |
| Noninterest expense to average assets | 1.8763% | 7,533 |
| Loan and lease loss provision to assets | 1.7815% | 1,274 |
| Net operating income to assets | -0.1678% | 5,792 |
| Return on assets (ROA) | -0.1678% | 5,799 |
| Pretax return on assets | -0.6902% | 6,179 |
| Return on Equity (ROE) | -1.3948% | 5,754 |
| Retained earnings to average equity (ytd only) | -1.3948% | 5,365 |
| Net charge-offs to loans | 2.1898% | 1,093 |
| Credit loss provision to net charge-offs | 157.4580% | 2,853 |
| Earnings coverage of net charge-offs (x) | 0.9646% | 5,151 |
| Efficiency ratio | 62.3843% | 6,078 |
| Assets per employee ($millions) | 6.5784% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5117% | 1,207 |
| Loan loss allowance to noncurrent loans | 82.9165% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 2.0463% | 3,341 |
| Noncurrent loans to loans | 3.0291% | 2,548 |
| Net loans and leases to total assets | 64.1169% | 4,580 |
| Net loans and leases to deposits | 76.5207% | 4,653 |
| Net loans and leases to core deposits | 93.5579% | 4,722 |
| Total domestic deposits to total assets | 83.7903% | 4,131 |
| Equity capital to assets | 14.8501% | 942 |
| Core capital (leverage) ratio | 10.3838% | 2,702 |
| Tier 1 risk-based capital ratio | 14.8528% | 3,026 |
| Total risk-based capital ratio | 16.1141% | 2,968 |
| Memoranda: | ||
| Average total assets | $436,706,000 | 1,587 |
| Average earning assets | $399,399,800 | 1,593 |
| Average equity | $52,551,000 | 1,259 |
| Average total loans | $225,634,400 | 2,057 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 7,806 |
| Cost of funding earning assets | 1.3191% | 6,494 |
| Net interest margin | 2.6709% | 7,263 |
| Noninterest income to average assets | 0.3395% | 5,778 |
| Noninterest expense to average assets | 1.8269% | 7,637 |
| Loan and lease loss provision to assets | 1.5621% | 1,215 |
| Net operating income to assets | -0.1164% | 5,915 |
| Return on assets (ROA) | -0.1164% | 5,946 |
| Pretax return on assets | -0.5965% | 6,385 |
| Return on Equity (ROE) | -1.0133% | 5,933 |
| Retained earnings to average equity (ytd only) | -1.0133% | 5,493 |
| Net charge-offs to loans | 1.4094% | 1,464 |
| Credit loss provision to net charge-offs | 226.5228% | 1,925 |
| Earnings coverage of net charge-offs (x) | 1.4002% | 4,733 |
| Efficiency ratio | 64.5670% | 5,643 |
| Assets per employee ($millions) | 9.7663% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5192% | 1,041 |
| Loan loss allowance to noncurrent loans | 115.3920% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 4,892 |
| Noncurrent loans to loans | 2.1832% | 3,402 |
| Net loans and leases to total assets | 47.7031% | 6,979 |
| Net loans and leases to deposits | 79.0778% | 4,548 |
| Net loans and leases to core deposits | 102.9287% | 4,060 |
| Total domestic deposits to total assets | 60.3243% | 7,867 |
| Equity capital to assets | 10.9745% | 3,035 |
| Core capital (leverage) ratio | 8.5381% | 5,422 |
| Tier 1 risk-based capital ratio | 13.6459% | 3,749 |
| Total risk-based capital ratio | 14.9053% | 3,683 |
| Memoranda: | ||
| Average total assets | $457,074,750 | 1,524 |
| Average earning assets | $419,768,500 | 1,523 |
| Average equity | $52,500,750 | 1,283 |
| Average total loans | $223,635,250 | 2,104 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 7,904 |
| Cost of funding earning assets | 1.4601% | 6,292 |
| Net interest margin | 2.5575% | 7,404 |
| Noninterest income to average assets | 0.3099% | 6,027 |
| Noninterest expense to average assets | 1.9196% | 7,602 |
| Loan and lease loss provision to assets | 1.1852% | 1,452 |
| Net operating income to assets | 0.0170% | 5,787 |
| Return on assets (ROA) | 0.0170% | 5,868 |
| Pretax return on assets | -0.4491% | 6,370 |
| Return on Equity (ROE) | 0.1458% | 5,873 |
| Retained earnings to average equity (ytd only) | 0.1458% | 5,148 |
| Net charge-offs to loans | 1.2630% | 1,465 |
| Credit loss provision to net charge-offs | 191.8116% | 2,381 |
| Earnings coverage of net charge-offs (x) | 1.1913% | 4,634 |
| Efficiency ratio | 71.3539% | 4,533 |
| Assets per employee ($millions) | 9.5051% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7763% | 2,114 |
| Loan loss allowance to noncurrent loans | 82.2201% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.0820% | 4,797 |
| Noncurrent loans to loans | 2.1604% | 3,293 |
| Net loans and leases to total assets | 48.0618% | 7,028 |
| Net loans and leases to deposits | 72.1934% | 5,710 |
| Net loans and leases to core deposits | 90.5429% | 5,491 |
| Total domestic deposits to total assets | 66.5737% | 7,707 |
| Equity capital to assets | 10.7889% | 3,128 |
| Core capital (leverage) ratio | 8.8015% | 4,941 |
| Tier 1 risk-based capital ratio | 13.7216% | 3,679 |
| Total risk-based capital ratio | 14.9737% | 3,608 |
| Memoranda: | ||
| Average total assets | $446,661,670 | 1,586 |
| Average earning assets | $409,699,000 | 1,589 |
| Average equity | $52,137,670 | 1,303 |
| Average total loans | $218,526,670 | 2,171 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1158% | 7,936 |
| Cost of funding earning assets | 1.7146% | 5,535 |
| Net interest margin | 2.4011% | 7,610 |
| Noninterest income to average assets | 0.2980% | 6,050 |
| Noninterest expense to average assets | 1.9193% | 7,512 |
| Loan and lease loss provision to assets | 0.5326% | 2,340 |
| Net operating income to assets | 0.2677% | 5,412 |
| Return on assets (ROA) | 0.2677% | 5,576 |
| Pretax return on assets | 0.0397% | 6,299 |
| Return on Equity (ROE) | 2.1962% | 5,706 |
| Retained earnings to average equity (ytd only) | 2.1962% | 4,653 |
| Net charge-offs to loans | 0.9591% | 1,393 |
| Credit loss provision to net charge-offs | 113.5081% | 3,423 |
| Earnings coverage of net charge-offs (x) | 1.2198% | 4,142 |
| Efficiency ratio | 76.0061% | 3,494 |
| Assets per employee ($millions) | 8.4864% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 3,374 |
| Loan loss allowance to noncurrent loans | 82.3185% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.7914% | 5,197 |
| Noncurrent loans to loans | 1.7274% | 3,671 |
| Net loans and leases to total assets | 45.1618% | 7,251 |
| Net loans and leases to deposits | 63.1269% | 6,639 |
| Net loans and leases to core deposits | 76.1076% | 6,670 |
| Total domestic deposits to total assets | 71.5413% | 7,273 |
| Equity capital to assets | 11.3649% | 2,680 |
| Core capital (leverage) ratio | 9.6436% | 3,827 |
| Tier 1 risk-based capital ratio | 14.7889% | 3,160 |
| Total risk-based capital ratio | 15.8934% | 3,165 |
| Memoranda: | ||
| Average total assets | $422,859,500 | 1,688 |
| Average earning assets | $386,320,000 | 1,691 |
| Average equity | $51,543,500 | 1,329 |
| Average total loans | $206,865,500 | 2,298 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9645% | 7,857 |
| Cost of funding earning assets | 2.7359% | 2,992 |
| Net interest margin | 2.2286% | 7,949 |
| Noninterest income to average assets | 0.5839% | 3,980 |
| Noninterest expense to average assets | 3.1945% | 3,360 |
| Loan and lease loss provision to assets | 1.0487% | 1,397 |
| Net operating income to assets | -0.8784% | 7,173 |
| Return on assets (ROA) | -0.8016% | 7,037 |
| Pretax return on assets | -1.6482% | 7,319 |
| Return on Equity (ROE) | -4.6687% | 6,829 |
| Retained earnings to average equity (ytd only) | -4.6687% | 6,457 |
| Net charge-offs to loans | 0.6108% | 2,006 |
| Credit loss provision to net charge-offs | 258.9936% | 1,788 |
| Earnings coverage of net charge-offs (x) | -1.7773% | 6,695 |
| Efficiency ratio | 127.1501% | 492 |
| Assets per employee ($millions) | 6.3876% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 2,469 |
| Loan loss allowance to noncurrent loans | 119.2050% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 5,167 |
| Noncurrent loans to loans | 1.2964% | 3,919 |
| Net loans and leases to total assets | 52.0890% | 6,840 |
| Net loans and leases to deposits | 60.9744% | 7,018 |
| Net loans and leases to core deposits | 77.0525% | 6,789 |
| Total domestic deposits to total assets | 85.4277% | 2,653 |
| Equity capital to assets | 13.2468% | 1,690 |
| Core capital (leverage) ratio | 12.7834% | 1,629 |
| Tier 1 risk-based capital ratio | 11.3079% | 5,432 |
| Total risk-based capital ratio | 12.2300% | 5,648 |
| Memoranda: | ||
| Average total assets | $230,677,000 | 2,757 |
| Average earning assets | $195,728,400 | 2,948 |
| Average equity | $39,603,800 | 1,704 |
| Average total loans | $152,907,800 | 2,872 |