Home > Tallahassee State Bank > Performance and Condition Ratios
Tallahassee State Bank, 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 | 4.6774% | 6,322 |
| Cost of funding earning assets | 1.2414% | 5,168 |
| Net interest margin | 3.4360% | 5,445 |
| Noninterest income to average assets | 0.4486% | 4,484 |
| Noninterest expense to average assets | 2.0330% | 7,100 |
| Loan and lease loss provision to assets | 8.8237% | 45 |
| Net operating income to assets | -7.5858% | 7,857 |
| Return on assets (ROA) | -7.5858% | 7,859 |
| Pretax return on assets | -7.1701% | 7,838 |
| Return on Equity (ROE) | -92.6368% | 7,815 |
| Retained earnings to average equity (ytd only) | -92.6368% | 7,812 |
| Net charge-offs to loans | 10.7218% | 44 |
| Credit loss provision to net charge-offs | 101.7018% | 3,343 |
| Earnings coverage of net charge-offs (x) | 0.1906% | 4,872 |
| Efficiency ratio | 55.1448% | 6,869 |
| Assets per employee ($millions) | 9.9956% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8604% | 929 |
| Loan loss allowance to noncurrent loans | 51.0525% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 4.4700% | 1,515 |
| Noncurrent loans to loans | 5.6029% | 1,236 |
| Net loans and leases to total assets | 75.7644% | 1,591 |
| Net loans and leases to deposits | 82.4603% | 3,206 |
| Net loans and leases to core deposits | 106.8002% | 1,506 |
| Total domestic deposits to total assets | 91.8798% | 268 |
| Equity capital to assets | 7.8882% | 6,770 |
| Core capital (leverage) ratio | 8.2074% | 5,898 |
| Tier 1 risk-based capital ratio | 9.5188% | 7,297 |
| Total risk-based capital ratio | 10.7871% | 7,280 |
| Memoranda: | ||
| Average total assets | $352,186,000 | 1,947 |
| Average earning assets | $331,894,000 | 1,889 |
| Average equity | $28,839,500 | 2,300 |
| Average total loans | $284,989,000 | 1,652 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1736% | 5,771 |
| Cost of funding earning assets | 1.6223% | 4,921 |
| Net interest margin | 3.5513% | 4,739 |
| Noninterest income to average assets | 0.3720% | 5,428 |
| Noninterest expense to average assets | 1.7334% | 7,670 |
| Loan and lease loss provision to assets | 8.8640% | 25 |
| Net operating income to assets | -5.2003% | 7,768 |
| Return on assets (ROA) | -5.2003% | 7,759 |
| Pretax return on assets | -6.8824% | 7,861 |
| Return on Equity (ROE) | -60.0910% | 7,755 |
| Retained earnings to average equity (ytd only) | -60.0910% | 7,751 |
| Net charge-offs to loans | 10.1067% | 37 |
| Credit loss provision to net charge-offs | 96.3178% | 5,762 |
| Earnings coverage of net charge-offs (x) | 0.2153% | 5,917 |
| Efficiency ratio | 46.6600% | 7,683 |
| Assets per employee ($millions) | 10.1332% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7299% | 992 |
| Loan loss allowance to noncurrent loans | 86.4492% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 2.7501% | 2,538 |
| Noncurrent loans to loans | 3.1578% | 2,425 |
| Net loans and leases to total assets | 81.6823% | 739 |
| Net loans and leases to deposits | 89.5122% | 2,297 |
| Net loans and leases to core deposits | 116.3219% | 2,285 |
| Total domestic deposits to total assets | 91.2527% | 454 |
| Equity capital to assets | 8.5026% | 5,874 |
| Core capital (leverage) ratio | 8.1554% | 5,896 |
| Tier 1 risk-based capital ratio | 9.2386% | 7,362 |
| Total risk-based capital ratio | 10.5046% | 7,352 |
| Memoranda: | ||
| Average total assets | $350,574,800 | 1,940 |
| Average earning assets | $330,022,600 | 1,881 |
| Average equity | $30,339,000 | 2,203 |
| Average total loans | $319,225,400 | 1,505 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1884% | 5,924 |
| Cost of funding earning assets | 1.6865% | 4,969 |
| Net interest margin | 3.5020% | 4,855 |
| Noninterest income to average assets | 0.4423% | 4,952 |
| Noninterest expense to average assets | 1.7189% | 7,739 |
| Loan and lease loss provision to assets | 6.5259% | 87 |
| Net operating income to assets | -2.7712% | 7,533 |
| Return on assets (ROA) | -2.7712% | 7,536 |
| Pretax return on assets | -4.4935% | 7,754 |
| Return on Equity (ROE) | -31.8857% | 7,644 |
| Retained earnings to average equity (ytd only) | -31.8857% | 7,629 |
| Net charge-offs to loans | 6.6865% | 120 |
| Credit loss provision to net charge-offs | 105.1819% | 4,829 |
| Earnings coverage of net charge-offs (x) | 0.3276% | 5,698 |
| Efficiency ratio | 45.8207% | 7,779 |
| Assets per employee ($millions) | 10.8193% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1808% | 573 |
| Loan loss allowance to noncurrent loans | 142.0503% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 2.0093% | 3,333 |
| Noncurrent loans to loans | 2.2392% | 3,334 |
| Net loans and leases to total assets | 84.6999% | 463 |
| Net loans and leases to deposits | 92.9711% | 2,067 |
| Net loans and leases to core deposits | 119.2977% | 2,309 |
| Total domestic deposits to total assets | 91.1034% | 383 |
| Equity capital to assets | 8.4456% | 6,317 |
| Core capital (leverage) ratio | 8.4406% | 5,595 |
| Tier 1 risk-based capital ratio | 9.1967% | 7,541 |
| Total risk-based capital ratio | 10.4687% | 7,526 |
| Memoranda: | ||
| Average total assets | $352,086,000 | 1,938 |
| Average earning assets | $332,682,250 | 1,885 |
| Average equity | $30,600,250 | 2,214 |
| Average total loans | $326,702,250 | 1,489 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2245% | 5,985 |
| Cost of funding earning assets | 1.7459% | 5,038 |
| Net interest margin | 3.4786% | 4,901 |
| Noninterest income to average assets | 0.4434% | 4,904 |
| Noninterest expense to average assets | 1.6979% | 7,833 |
| Loan and lease loss provision to assets | 4.7421% | 231 |
| Net operating income to assets | -1.6654% | 7,315 |
| Return on assets (ROA) | -1.6654% | 7,310 |
| Pretax return on assets | -2.7012% | 7,473 |
| Return on Equity (ROE) | -18.9795% | 7,478 |
| Retained earnings to average equity (ytd only) | -18.9795% | 7,423 |
| Net charge-offs to loans | 4.7688% | 264 |
| Credit loss provision to net charge-offs | 105.1240% | 4,377 |
| Earnings coverage of net charge-offs (x) | 0.4524% | 5,249 |
| Efficiency ratio | 45.4129% | 7,870 |
| Assets per employee ($millions) | 11.0207% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8168% | 668 |
| Loan loss allowance to noncurrent loans | 115.8287% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 2.3025% | 2,827 |
| Noncurrent loans to loans | 2.4318% | 2,970 |
| Net loans and leases to total assets | 90.0383% | 129 |
| Net loans and leases to deposits | 99.1168% | 1,377 |
| Net loans and leases to core deposits | 127.7225% | 1,730 |
| Total domestic deposits to total assets | 90.8407% | 511 |
| Equity capital to assets | 8.5726% | 5,941 |
| Core capital (leverage) ratio | 9.0872% | 4,488 |
| Tier 1 risk-based capital ratio | 9.0144% | 7,690 |
| Total risk-based capital ratio | 10.2831% | 7,692 |
| Memoranda: | ||
| Average total assets | $350,436,000 | 1,971 |
| Average earning assets | $331,972,670 | 1,905 |
| Average equity | $30,749,000 | 2,213 |
| Average total loans | $331,488,330 | 1,506 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4083% | 5,380 |
| Cost of funding earning assets | 1.8876% | 4,700 |
| Net interest margin | 3.5208% | 4,648 |
| Noninterest income to average assets | 0.4619% | 4,663 |
| Noninterest expense to average assets | 1.5671% | 7,930 |
| Loan and lease loss provision to assets | 2.6922% | 414 |
| Net operating income to assets | -0.2862% | 6,664 |
| Return on assets (ROA) | -0.2862% | 6,740 |
| Pretax return on assets | -0.4642% | 6,795 |
| Return on Equity (ROE) | -3.2225% | 6,799 |
| Retained earnings to average equity (ytd only) | -3.2225% | 6,315 |
| Net charge-offs to loans | 2.6463% | 508 |
| Credit loss provision to net charge-offs | 106.3908% | 3,584 |
| Earnings coverage of net charge-offs (x) | 0.8805% | 4,323 |
| Efficiency ratio | 41.2937% | 8,014 |
| Assets per employee ($millions) | 10.3180% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8286% | 566 |
| Loan loss allowance to noncurrent loans | 63.9515% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 4.2894% | 1,158 |
| Noncurrent loans to loans | 4.4231% | 1,310 |
| Net loans and leases to total assets | 93.0724% | 44 |
| Net loans and leases to deposits | 105.5382% | 903 |
| Net loans and leases to core deposits | 138.0277% | 1,202 |
| Total domestic deposits to total assets | 88.1883% | 1,654 |
| Equity capital to assets | 8.9291% | 5,437 |
| Core capital (leverage) ratio | 8.7415% | 5,078 |
| Tier 1 risk-based capital ratio | 9.0354% | 7,776 |
| Total risk-based capital ratio | 10.3040% | 7,780 |
| Memoranda: | ||
| Average total assets | $343,812,000 | 2,021 |
| Average earning assets | $325,498,000 | 1,945 |
| Average equity | $30,535,000 | 2,227 |
| Average total loans | $328,759,500 | 1,526 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5206% | 2,858 |
| Cost of funding earning assets | 2.4596% | 4,427 |
| Net interest margin | 4.0610% | 2,866 |
| Noninterest income to average assets | 0.3913% | 5,546 |
| Noninterest expense to average assets | 1.4315% | 8,057 |
| Loan and lease loss provision to assets | 1.6518% | 789 |
| Net operating income to assets | 0.7121% | 3,836 |
| Return on assets (ROA) | 0.7121% | 3,671 |
| Pretax return on assets | 1.1598% | 2,810 |
| Return on Equity (ROE) | 7.4981% | 3,287 |
| Retained earnings to average equity (ytd only) | -13.4722% | 7,368 |
| Net charge-offs to loans | 0.4043% | 2,791 |
| Credit loss provision to net charge-offs | 432.1033% | 1,009 |
| Earnings coverage of net charge-offs (x) | 7.3550% | 3,133 |
| Efficiency ratio | 33.7367% | 8,212 |
| Assets per employee ($millions) | 10.5191% | 224 |
| Cash dividends to net income (ytd only)* | 279.6751% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7418% | 542 |
| Loan loss allowance to noncurrent loans | 206.0317% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 1.3223% | 3,573 |
| Noncurrent loans to loans | 1.3308% | 3,851 |
| Net loans and leases to total assets | 92.8476% | 56 |
| Net loans and leases to deposits | 102.9561% | 1,477 |
| Net loans and leases to core deposits | 129.7277% | 1,870 |
| Total domestic deposits to total assets | 90.1818% | 582 |
| Equity capital to assets | 8.8344% | 5,594 |
| Core capital (leverage) ratio | 8.9059% | 4,878 |
| Tier 1 risk-based capital ratio | 9.0149% | 7,770 |
| Total risk-based capital ratio | 10.2829% | 7,745 |
| Memoranda: | ||
| Average total assets | $354,464,600 | 1,887 |
| Average earning assets | $336,196,000 | 1,830 |
| Average equity | $33,661,800 | 2,013 |
| Average total loans | $335,125,200 | 1,447 |