Home > Synovus Bank of Jacksonville > Performance and Condition Ratios
Synovus Bank of Jacksonville, Performance and Condition Ratios
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2875% | 3,603 |
| Cost of funding earning assets | 1.7427% | 2,167 |
| Net interest margin | 3.5449% | 4,968 |
| Noninterest income to average assets | 0.2697% | 6,000 |
| Noninterest expense to average assets | 3.0905% | 3,308 |
| Loan and lease loss provision to assets | 0.4054% | 2,937 |
| Net operating income to assets | -0.3019% | 6,669 |
| Return on assets (ROA) | -0.3019% | 6,721 |
| Pretax return on assets | 0.0068% | 6,338 |
| Return on Equity (ROE) | -3.3106% | 6,765 |
| Retained earnings to average equity (ytd only) | -3.3106% | 6,404 |
| Net charge-offs to loans | 1.2287% | 1,384 |
| Credit loss provision to net charge-offs | 39.3740% | 4,653 |
| Earnings coverage of net charge-offs (x) | 0.4003% | 4,675 |
| Efficiency ratio | 88.2324% | 1,565 |
| Assets per employee ($millions) | 5.9740% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9784% | 839 |
| Loan loss allowance to noncurrent loans | 74.2743% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 3.4703% | 2,030 |
| Noncurrent loans to loans | 4.0100% | 1,956 |
| Net loans and leases to total assets | 76.9121% | 1,344 |
| Net loans and leases to deposits | 84.6225% | 2,832 |
| Net loans and leases to core deposits | 139.9147% | 328 |
| Total domestic deposits to total assets | 90.8886% | 591 |
| Equity capital to assets | 8.7493% | 5,654 |
| Core capital (leverage) ratio | 8.9828% | 4,598 |
| Tier 1 risk-based capital ratio | 10.0187% | 7,024 |
| Total risk-based capital ratio | 11.2870% | 6,998 |
| Memoranda: | ||
| Average total assets | $235,816,500 | 2,805 |
| Average earning assets | $215,072,500 | 2,802 |
| Average equity | $21,506,500 | 2,999 |
| Average total loans | $197,611,500 | 2,296 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1683% | 5,797 |
| Cost of funding earning assets | 2.4780% | 1,079 |
| Net interest margin | 2.6904% | 7,220 |
| Noninterest income to average assets | 0.0028% | 7,685 |
| Noninterest expense to average assets | 2.9383% | 4,392 |
| Loan and lease loss provision to assets | 5.5275% | 146 |
| Net operating income to assets | -4.6173% | 7,690 |
| Return on assets (ROA) | -4.6173% | 7,690 |
| Pretax return on assets | -5.9996% | 7,804 |
| Return on Equity (ROE) | -51.2596% | 7,694 |
| Retained earnings to average equity (ytd only) | -51.2596% | 7,684 |
| Net charge-offs to loans | 6.2105% | 163 |
| Credit loss provision to net charge-offs | 105.9611% | 5,230 |
| Earnings coverage of net charge-offs (x) | -0.0905% | 6,325 |
| Efficiency ratio | 119.1440% | 622 |
| Assets per employee ($millions) | 5.1523% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0598% | 734 |
| Loan loss allowance to noncurrent loans | 83.6779% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 3.2431% | 2,116 |
| Noncurrent loans to loans | 3.6567% | 2,057 |
| Net loans and leases to total assets | 85.9748% | 281 |
| Net loans and leases to deposits | 95.4018% | 1,403 |
| Net loans and leases to core deposits | 193.2785% | 118 |
| Total domestic deposits to total assets | 90.1186% | 907 |
| Equity capital to assets | 9.5206% | 4,389 |
| Core capital (leverage) ratio | 8.9847% | 4,446 |
| Tier 1 risk-based capital ratio | 10.1225% | 6,772 |
| Total risk-based capital ratio | 11.3928% | 6,716 |
| Memoranda: | ||
| Average total assets | $246,333,400 | 2,643 |
| Average earning assets | $225,546,200 | 2,644 |
| Average equity | $22,189,000 | 2,928 |
| Average total loans | $206,906,000 | 2,235 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0642% | 6,402 |
| Cost of funding earning assets | 2.5624% | 1,129 |
| Net interest margin | 2.5018% | 7,464 |
| Noninterest income to average assets | -0.1523% | 7,951 |
| Noninterest expense to average assets | 2.8445% | 4,700 |
| Loan and lease loss provision to assets | 5.4804% | 138 |
| Net operating income to assets | -5.0590% | 7,847 |
| Return on assets (ROA) | -5.0590% | 7,850 |
| Pretax return on assets | -6.1777% | 7,919 |
| Return on Equity (ROE) | -56.8938% | 7,880 |
| Retained earnings to average equity (ytd only) | -56.8938% | 7,877 |
| Net charge-offs to loans | 6.8889% | 114 |
| Credit loss provision to net charge-offs | 95.9223% | 5,304 |
| Earnings coverage of net charge-offs (x) | -0.1221% | 6,209 |
| Efficiency ratio | 132.4765% | 447 |
| Assets per employee ($millions) | 5.5707% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4954% | 1,065 |
| Loan loss allowance to noncurrent loans | 67.0507% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 3.1382% | 2,177 |
| Noncurrent loans to loans | 3.7216% | 2,002 |
| Net loans and leases to total assets | 78.8625% | 1,411 |
| Net loans and leases to deposits | 87.1721% | 3,116 |
| Net loans and leases to core deposits | 172.1181% | 254 |
| Total domestic deposits to total assets | 90.4675% | 602 |
| Equity capital to assets | 8.8487% | 5,713 |
| Core capital (leverage) ratio | 8.7884% | 4,994 |
| Tier 1 risk-based capital ratio | 10.0481% | 6,930 |
| Total risk-based capital ratio | 11.3114% | 6,868 |
| Memoranda: | ||
| Average total assets | $251,242,000 | 2,613 |
| Average earning assets | $230,924,000 | 2,606 |
| Average equity | $22,340,500 | 2,928 |
| Average total loans | $208,368,500 | 2,235 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9947% | 6,790 |
| Cost of funding earning assets | 2.7150% | 996 |
| Net interest margin | 2.2798% | 7,690 |
| Noninterest income to average assets | 0.1477% | 7,208 |
| Noninterest expense to average assets | 2.8324% | 4,817 |
| Loan and lease loss provision to assets | 2.8837% | 529 |
| Net operating income to assets | -2.2567% | 7,493 |
| Return on assets (ROA) | -2.2567% | 7,491 |
| Pretax return on assets | -3.4672% | 7,670 |
| Return on Equity (ROE) | -25.3395% | 7,633 |
| Retained earnings to average equity (ytd only) | -25.3395% | 7,598 |
| Net charge-offs to loans | 2.8128% | 581 |
| Credit loss provision to net charge-offs | 122.6326% | 3,793 |
| Earnings coverage of net charge-offs (x) | -0.2482% | 5,920 |
| Efficiency ratio | 125.9480% | 573 |
| Assets per employee ($millions) | 6.1039% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8442% | 652 |
| Loan loss allowance to noncurrent loans | 60.4851% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 4.1906% | 1,377 |
| Noncurrent loans to loans | 4.7023% | 1,343 |
| Net loans and leases to total assets | 78.8697% | 1,554 |
| Net loans and leases to deposits | 86.8967% | 3,374 |
| Net loans and leases to core deposits | 174.1867% | 275 |
| Total domestic deposits to total assets | 90.7626% | 533 |
| Equity capital to assets | 8.6872% | 5,775 |
| Core capital (leverage) ratio | 8.3307% | 5,739 |
| Tier 1 risk-based capital ratio | 9.1466% | 7,620 |
| Total risk-based capital ratio | 10.4142% | 7,619 |
| Memoranda: | ||
| Average total assets | $253,286,330 | 2,600 |
| Average earning assets | $233,445,330 | 2,591 |
| Average equity | $22,557,670 | 2,907 |
| Average total loans | $211,742,670 | 2,232 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0881% | 6,685 |
| Cost of funding earning assets | 2.9165% | 738 |
| Net interest margin | 2.1717% | 7,818 |
| Noninterest income to average assets | 0.1142% | 7,458 |
| Noninterest expense to average assets | 2.8211% | 4,478 |
| Loan and lease loss provision to assets | 0.0692% | 6,088 |
| Net operating income to assets | -0.5050% | 6,883 |
| Return on assets (ROA) | -0.5050% | 6,932 |
| Pretax return on assets | -0.7736% | 7,019 |
| Return on Equity (ROE) | -5.5981% | 7,030 |
| Retained earnings to average equity (ytd only) | -5.5981% | 6,633 |
| Net charge-offs to loans | -0.0019% | 7,111 |
| Credit loss provision to net charge-offs | -4,300.0000% | 6,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.2827% | 474 |
| Assets per employee ($millions) | 5.6175% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5852% | 702 |
| Loan loss allowance to noncurrent loans | 181.3627% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 1.6152% | 3,499 |
| Noncurrent loans to loans | 1.4254% | 4,165 |
| Net loans and leases to total assets | 80.9418% | 1,212 |
| Net loans and leases to deposits | 89.6611% | 2,983 |
| Net loans and leases to core deposits | 178.2366% | 252 |
| Total domestic deposits to total assets | 90.2753% | 688 |
| Equity capital to assets | 9.1559% | 5,143 |
| Core capital (leverage) ratio | 8.4469% | 5,633 |
| Tier 1 risk-based capital ratio | 9.2201% | 7,657 |
| Total risk-based capital ratio | 10.4840% | 7,633 |
| Memoranda: | ||
| Average total assets | $248,696,000 | 2,663 |
| Average earning assets | $229,318,000 | 2,655 |
| Average equity | $22,436,000 | 2,928 |
| Average total loans | $211,080,500 | 2,260 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0851% | 5,120 |
| Cost of funding earning assets | 3.2171% | 1,136 |
| Net interest margin | 2.8680% | 7,215 |
| Noninterest income to average assets | 0.1559% | 7,312 |
| Noninterest expense to average assets | 3.0347% | 3,951 |
| Loan and lease loss provision to assets | 2.1549% | 536 |
| Net operating income to assets | -1.5824% | 7,498 |
| Return on assets (ROA) | -1.5824% | 7,444 |
| Pretax return on assets | -2.3641% | 7,547 |
| Return on Equity (ROE) | -17.1433% | 7,670 |
| Retained earnings to average equity (ytd only) | -17.1433% | 7,572 |
| Net charge-offs to loans | 0.7621% | 1,628 |
| Credit loss provision to net charge-offs | 311.4958% | 1,447 |
| Earnings coverage of net charge-offs (x) | -0.3024% | 6,414 |
| Efficiency ratio | 107.4044% | 773 |
| Assets per employee ($millions) | 4.9919% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5391% | 650 |
| Loan loss allowance to noncurrent loans | 167.9975% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 1.5192% | 3,178 |
| Noncurrent loans to loans | 1.5114% | 3,523 |
| Net loans and leases to total assets | 84.5178% | 805 |
| Net loans and leases to deposits | 93.2086% | 2,926 |
| Net loans and leases to core deposits | 180.6380% | 278 |
| Total domestic deposits to total assets | 90.6759% | 436 |
| Equity capital to assets | 8.8826% | 5,523 |
| Core capital (leverage) ratio | 9.0791% | 4,632 |
| Tier 1 risk-based capital ratio | 9.0746% | 7,741 |
| Total risk-based capital ratio | 10.3384% | 7,691 |
| Memoranda: | ||
| Average total assets | $221,307,400 | 2,860 |
| Average earning assets | $205,994,600 | 2,821 |
| Average equity | $20,427,800 | 3,163 |
| Average total loans | $200,902,000 | 2,288 |