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Ocala National Bank, 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 | 5.7146% | 6,731 |
| Cost of funding earning assets | 3.9879% | 103 |
| Net interest margin | 1.7267% | 8,146 |
| Noninterest income to average assets | -1.0041% | 8,291 |
| Noninterest expense to average assets | 3.1826% | 3,400 |
| Loan and lease loss provision to assets | 9.9417% | 9 |
| Net operating income to assets | -12.5818% | 8,275 |
| Return on assets (ROA) | -12.5818% | 8,275 |
| Pretax return on assets | -12.5818% | 8,269 |
| Return on Equity (ROE) | -297.2818% | 8,304 |
| Retained earnings to average equity (ytd only) | -297.2818% | 8,304 |
| Net charge-offs to loans | 9.3845% | 16 |
| Credit loss provision to net charge-offs | 124.6501% | 4,290 |
| Earnings coverage of net charge-offs (x) | -0.3310% | 6,432 |
| Efficiency ratio | 586.6275% | 35 |
| Assets per employee ($millions) | 4.8761% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2280% | 90 |
| Loan loss allowance to noncurrent loans | 29.6231% | 6,728 |
| Noncurrent assets plus other real estate owned to assets | 18.8261% | 34 |
| Noncurrent loans to loans | 17.6484% | 52 |
| Net loans and leases to total assets | 79.5501% | 1,762 |
| Net loans and leases to deposits | 85.2875% | 4,213 |
| Net loans and leases to core deposits | 115.7852% | 3,147 |
| Total domestic deposits to total assets | 93.2728% | 44 |
| Equity capital to assets | -4.5701% | 8,303 |
| Core capital (leverage) ratio | -4.4884% | 8,302 |
| Tier 1 risk-based capital ratio | -6.5974% | 8,302 |
| Total risk-based capital ratio | -6.5974% | 8,302 |
| Memoranda: | ||
| Average total assets | $250,862,600 | 2,555 |
| Average earning assets | $224,707,000 | 2,604 |
| Average equity | $10,617,200 | 5,236 |
| Average total loans | $213,203,000 | 2,181 |