Home > The Bank of Tallahassee > Performance and Condition Ratios
The Bank of Tallahassee, 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 | 7.4618% | 444 |
| Cost of funding earning assets | 3.2712% | 1,001 |
| Net interest margin | 4.1906% | 2,350 |
| Noninterest income to average assets | 0.3617% | 5,823 |
| Noninterest expense to average assets | 13.7252% | 85 |
| Loan and lease loss provision to assets | 2.8500% | 329 |
| Net operating income to assets | -11.5474% | 8,269 |
| Return on assets (ROA) | -11.4506% | 8,269 |
| Pretax return on assets | -12.5797% | 8,268 |
| Return on Equity (ROE) | -58.7157% | 8,196 |
| Retained earnings to average equity (ytd only) | -58.7157% | 8,182 |
| Net charge-offs to loans | 0.4252% | 2,692 |
| Credit loss provision to net charge-offs | 849.6732% | 520 |
| Earnings coverage of net charge-offs (x) | -29.3235% | 6,957 |
| Efficiency ratio | 88.0778% | 1,672 |
| Assets per employee ($millions) | 3.4729% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0077% | 184 |
| Loan loss allowance to noncurrent loans | 146.7303% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 2.4130% | 2,014 |
| Noncurrent loans to loans | 2.7313% | 1,984 |
| Net loans and leases to total assets | 84.8024% | 756 |
| Net loans and leases to deposits | 101.3671% | 1,661 |
| Net loans and leases to core deposits | 158.6127% | 606 |
| Total domestic deposits to total assets | 83.6587% | 3,497 |
| Equity capital to assets | 11.0558% | 2,994 |
| Core capital (leverage) ratio | 8.8948% | 4,896 |
| Tier 1 risk-based capital ratio | 11.0256% | 5,706 |
| Total risk-based capital ratio | 12.3100% | 5,561 |
| Memoranda: | ||
| Average total assets | $91,226,600 | 5,311 |
| Average earning assets | $76,790,800 | 5,557 |
| Average equity | $17,790,800 | 3,592 |
| Average total loans | $71,959,600 | 4,797 |