Home > The Bank of Bonifay > Performance and Condition Ratios
The Bank of Bonifay, 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 | 4.0331% | 7,432 |
| Cost of funding earning assets | 1.9788% | 1,163 |
| Net interest margin | 2.0543% | 7,706 |
| Noninterest income to average assets | 0.1719% | 6,741 |
| Noninterest expense to average assets | 3.1759% | 2,951 |
| Loan and lease loss provision to assets | 6.0322% | 115 |
| Net operating income to assets | -7.1567% | 7,846 |
| Return on assets (ROA) | -7.1567% | 7,848 |
| Pretax return on assets | -7.1567% | 7,837 |
| Return on Equity (ROE) | -465.0920% | 7,917 |
| Retained earnings to average equity (ytd only) | -465.0920% | 7,917 |
| Net charge-offs to loans | 0.7555% | 1,998 |
| Credit loss provision to net charge-offs | 1,219.1558% | 403 |
| Earnings coverage of net charge-offs (x) | -2.2727% | 5,489 |
| Efficiency ratio | 154.8160% | 193 |
| Assets per employee ($millions) | 3.6249% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1968% | 151 |
| Loan loss allowance to noncurrent loans | 28.0728% | 6,524 |
| Noncurrent assets plus other real estate owned to assets | 14.6053% | 146 |
| Noncurrent loans to loans | 18.5118% | 100 |
| Net loans and leases to total assets | 62.8918% | 4,564 |
| Net loans and leases to deposits | 66.3565% | 5,785 |
| Net loans and leases to core deposits | 66.8613% | 6,220 |
| Total domestic deposits to total assets | 94.7787% | 53 |
| Equity capital to assets | 0.6654% | 7,911 |
| Core capital (leverage) ratio | 0.7328% | 7,911 |
| Tier 1 risk-based capital ratio | 1.1509% | 7,911 |
| Total risk-based capital ratio | 2.3018% | 7,911 |
| Memoranda: | ||
| Average total assets | $248,999,000 | 2,665 |
| Average earning assets | $227,817,000 | 2,659 |
| Average equity | $3,831,500 | 7,242 |
| Average total loans | $163,076,500 | 2,717 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4212% | 7,462 |
| Cost of funding earning assets | 2.7685% | 488 |
| Net interest margin | 1.6527% | 7,844 |
| Noninterest income to average assets | -0.0929% | 7,799 |
| Noninterest expense to average assets | 3.2191% | 3,313 |
| Loan and lease loss provision to assets | 1.4672% | 1,574 |
| Net operating income to assets | -3.2422% | 7,454 |
| Return on assets (ROA) | -3.1124% | 7,430 |
| Pretax return on assets | -3.1124% | 7,323 |
| Return on Equity (ROE) | -73.6655% | 7,828 |
| Retained earnings to average equity (ytd only) | -73.6655% | 7,825 |
| Net charge-offs to loans | 1.2428% | 1,987 |
| Credit loss provision to net charge-offs | 172.7316% | 2,455 |
| Earnings coverage of net charge-offs (x) | -2.0898% | 7,005 |
| Efficiency ratio | 222.9213% | 111 |
| Assets per employee ($millions) | 3.8656% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9848% | 785 |
| Loan loss allowance to noncurrent loans | 17.5371% | 7,157 |
| Noncurrent assets plus other real estate owned to assets | 13.2683% | 190 |
| Noncurrent loans to loans | 17.0201% | 112 |
| Net loans and leases to total assets | 62.7562% | 4,857 |
| Net loans and leases to deposits | 67.3371% | 5,908 |
| Net loans and leases to core deposits | 82.5631% | 5,869 |
| Total domestic deposits to total assets | 93.1971% | 112 |
| Equity capital to assets | 2.3702% | 7,948 |
| Core capital (leverage) ratio | 2.5438% | 7,929 |
| Tier 1 risk-based capital ratio | 3.7249% | 7,918 |
| Total risk-based capital ratio | 4.9958% | 7,920 |
| Memoranda: | ||
| Average total assets | $246,529,400 | 2,642 |
| Average earning assets | $229,258,000 | 2,606 |
| Average equity | $10,416,000 | 5,185 |
| Average total loans | $168,490,400 | 2,641 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 7,457 |
| Cost of funding earning assets | 2.9216% | 419 |
| Net interest margin | 1.6252% | 7,922 |
| Noninterest income to average assets | 0.0807% | 7,498 |
| Noninterest expense to average assets | 3.2555% | 3,102 |
| Loan and lease loss provision to assets | 1.4278% | 1,344 |
| Net operating income to assets | -3.0918% | 7,611 |
| Return on assets (ROA) | -2.9549% | 7,581 |
| Pretax return on assets | -2.9549% | 7,488 |
| Return on Equity (ROE) | -62.7476% | 7,905 |
| Retained earnings to average equity (ytd only) | -62.7476% | 7,903 |
| Net charge-offs to loans | 0.7290% | 2,535 |
| Credit loss provision to net charge-offs | 282.6134% | 1,488 |
| Earnings coverage of net charge-offs (x) | -3.2937% | 6,814 |
| Efficiency ratio | 204.5595% | 142 |
| Assets per employee ($millions) | 3.8837% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9321% | 705 |
| Loan loss allowance to noncurrent loans | 20.3858% | 7,070 |
| Noncurrent assets plus other real estate owned to assets | 12.5786% | 202 |
| Noncurrent loans to loans | 14.3828% | 166 |
| Net loans and leases to total assets | 68.9259% | 3,730 |
| Net loans and leases to deposits | 75.1416% | 5,190 |
| Net loans and leases to core deposits | 93.6598% | 5,053 |
| Total domestic deposits to total assets | 91.7280% | 218 |
| Equity capital to assets | 3.5836% | 8,019 |
| Core capital (leverage) ratio | 3.4841% | 8,008 |
| Tier 1 risk-based capital ratio | 4.9570% | 8,000 |
| Total risk-based capital ratio | 6.2288% | 8,004 |
| Memoranda: | ||
| Average total assets | $244,380,000 | 2,681 |
| Average earning assets | $227,172,750 | 2,639 |
| Average equity | $11,508,250 | 4,921 |
| Average total loans | $169,354,500 | 2,658 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 7,735 |
| Cost of funding earning assets | 3.0403% | 417 |
| Net interest margin | 1.3327% | 8,053 |
| Noninterest income to average assets | 0.0426% | 7,770 |
| Noninterest expense to average assets | 3.3052% | 2,935 |
| Loan and lease loss provision to assets | 1.0095% | 1,667 |
| Net operating income to assets | -3.0325% | 7,683 |
| Return on assets (ROA) | -2.8270% | 7,634 |
| Pretax return on assets | -2.8270% | 7,519 |
| Return on Equity (ROE) | -55.5964% | 7,953 |
| Retained earnings to average equity (ytd only) | -55.5964% | 7,950 |
| Net charge-offs to loans | 0.3895% | 3,249 |
| Credit loss provision to net charge-offs | 377.0642% | 1,232 |
| Earnings coverage of net charge-offs (x) | -7.5566% | 6,499 |
| Efficiency ratio | 257.7905% | 111 |
| Assets per employee ($millions) | 3.7887% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4975% | 901 |
| Loan loss allowance to noncurrent loans | 15.8297% | 7,339 |
| Noncurrent assets plus other real estate owned to assets | 13.1560% | 146 |
| Noncurrent loans to loans | 15.7775% | 115 |
| Net loans and leases to total assets | 67.2741% | 4,297 |
| Net loans and leases to deposits | 73.7339% | 5,490 |
| Net loans and leases to core deposits | 94.4956% | 5,058 |
| Total domestic deposits to total assets | 91.2391% | 395 |
| Equity capital to assets | 4.2031% | 8,087 |
| Core capital (leverage) ratio | 4.3076% | 8,072 |
| Tier 1 risk-based capital ratio | 6.0557% | 8,054 |
| Total risk-based capital ratio | 7.3238% | 8,062 |
| Memoranda: | ||
| Average total assets | $244,283,330 | 2,709 |
| Average earning assets | $227,213,330 | 2,662 |
| Average equity | $12,421,670 | 4,700 |
| Average total loans | $167,894,330 | 2,707 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5901% | 7,626 |
| Cost of funding earning assets | 3.1620% | 384 |
| Net interest margin | 1.4280% | 8,080 |
| Noninterest income to average assets | 0.3430% | 5,711 |
| Noninterest expense to average assets | 3.0506% | 3,559 |
| Loan and lease loss provision to assets | 1.2129% | 1,066 |
| Net operating income to assets | -2.5982% | 7,788 |
| Return on assets (ROA) | -2.5982% | 7,782 |
| Pretax return on assets | -2.5982% | 7,682 |
| Return on Equity (ROE) | -46.8847% | 8,033 |
| Retained earnings to average equity (ytd only) | -46.8847% | 8,018 |
| Net charge-offs to loans | 0.1546% | 3,722 |
| Credit loss provision to net charge-offs | 1,143.7500% | 557 |
| Earnings coverage of net charge-offs (x) | -13.0625% | 5,636 |
| Efficiency ratio | 183.1841% | 230 |
| Assets per employee ($millions) | 3.4791% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4611% | 792 |
| Loan loss allowance to noncurrent loans | 21.5215% | 7,087 |
| Noncurrent assets plus other real estate owned to assets | 9.7266% | 239 |
| Noncurrent loans to loans | 11.4357% | 199 |
| Net loans and leases to total assets | 68.1975% | 4,087 |
| Net loans and leases to deposits | 76.0017% | 5,224 |
| Net loans and leases to core deposits | 102.7107% | 4,268 |
| Total domestic deposits to total assets | 89.7315% | 920 |
| Equity capital to assets | 5.3082% | 8,091 |
| Core capital (leverage) ratio | 5.0132% | 8,122 |
| Tier 1 risk-based capital ratio | 7.5605% | 8,052 |
| Total risk-based capital ratio | 8.8257% | 8,065 |
| Memoranda: | ||
| Average total assets | $241,398,500 | 2,756 |
| Average earning assets | $223,526,000 | 2,724 |
| Average equity | $13,377,500 | 4,485 |
| Average total loans | $165,576,500 | 2,757 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1882% | 4,574 |
| Cost of funding earning assets | 3.1524% | 1,344 |
| Net interest margin | 3.0358% | 6,821 |
| Noninterest income to average assets | 0.2348% | 6,759 |
| Noninterest expense to average assets | 3.1754% | 3,426 |
| Loan and lease loss provision to assets | 1.4204% | 969 |
| Net operating income to assets | -1.5383% | 7,484 |
| Return on assets (ROA) | -1.5383% | 7,432 |
| Pretax return on assets | -1.5383% | 7,275 |
| Return on Equity (ROE) | -27.8129% | 7,915 |
| Retained earnings to average equity (ytd only) | -27.8129% | 7,865 |
| Net charge-offs to loans | 2.4386% | 404 |
| Credit loss provision to net charge-offs | 75.5163% | 5,982 |
| Earnings coverage of net charge-offs (x) | -0.0626% | 6,294 |
| Efficiency ratio | 103.8538% | 875 |
| Assets per employee ($millions) | 3.6209% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0532% | 1,142 |
| Loan loss allowance to noncurrent loans | 24.2241% | 7,047 |
| Noncurrent assets plus other real estate owned to assets | 7.1327% | 358 |
| Noncurrent loans to loans | 8.4759% | 306 |
| Net loans and leases to total assets | 65.9326% | 4,859 |
| Net loans and leases to deposits | 73.6160% | 5,887 |
| Net loans and leases to core deposits | 96.9912% | 5,151 |
| Total domestic deposits to total assets | 89.5629% | 825 |
| Equity capital to assets | 5.7660% | 8,101 |
| Core capital (leverage) ratio | 6.0227% | 8,073 |
| Tier 1 risk-based capital ratio | 8.3071% | 8,033 |
| Total risk-based capital ratio | 9.5667% | 8,072 |
| Memoranda: | ||
| Average total assets | $231,690,000 | 2,748 |
| Average earning assets | $215,425,800 | 2,703 |
| Average equity | $12,814,200 | 4,619 |
| Average total loans | $178,708,800 | 2,515 |