Home > Wakulla Bank > Performance and Condition Ratios
Wakulla Bank, Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5783% | 2,149 |
| Cost of funding earning assets | 2.0053% | 742 |
| Net interest margin | 3.5730% | 4,999 |
| Noninterest income to average assets | 0.9607% | 1,582 |
| Noninterest expense to average assets | 4.4068% | 660 |
| Loan and lease loss provision to assets | 5.0043% | 87 |
| Net operating income to assets | -4.9325% | 7,640 |
| Return on assets (ROA) | -4.8975% | 7,647 |
| Pretax return on assets | -5.3724% | 7,665 |
| Return on Equity (ROE) | -118.9542% | 7,706 |
| Retained earnings to average equity (ytd only) | -118.9542% | 7,706 |
| Net charge-offs to loans | 4.0907% | 292 |
| Credit loss provision to net charge-offs | 174.6753% | 2,110 |
| Earnings coverage of net charge-offs (x) | -0.1419% | 6,141 |
| Efficiency ratio | 110.1624% | 520 |
| Assets per employee ($millions) | 3.1179% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2122% | 54 |
| Loan loss allowance to noncurrent loans | 49.3153% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 16.8369% | 106 |
| Noncurrent loans to loans | 14.6247% | 173 |
| Net loans and leases to total assets | 64.0447% | 4,122 |
| Net loans and leases to deposits | 70.1447% | 5,126 |
| Net loans and leases to core deposits | 77.4170% | 4,871 |
| Total domestic deposits to total assets | 91.3037% | 355 |
| Equity capital to assets | 3.1178% | 7,689 |
| Core capital (leverage) ratio | 0.8327% | 7,745 |
| Tier 1 risk-based capital ratio | 1.1195% | 7,745 |
| Total risk-based capital ratio | 2.2389% | 7,745 |
| Memoranda: | ||
| Average total assets | $437,190,000 | 1,548 |
| Average earning assets | $371,930,500 | 1,648 |
| Average equity | $17,999,750 | 3,468 |
| Average total loans | $306,184,000 | 1,484 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6633% | 1,898 |
| Cost of funding earning assets | 2.1114% | 635 |
| Net interest margin | 3.5518% | 5,038 |
| Noninterest income to average assets | 1.1924% | 909 |
| Noninterest expense to average assets | 4.4888% | 584 |
| Loan and lease loss provision to assets | 7.3102% | 39 |
| Net operating income to assets | -6.8656% | 7,767 |
| Return on assets (ROA) | -6.8392% | 7,767 |
| Pretax return on assets | -7.5330% | 7,776 |
| Return on Equity (ROE) | -154.8865% | 7,781 |
| Retained earnings to average equity (ytd only) | -154.8865% | 7,781 |
| Net charge-offs to loans | 4.5061% | 257 |
| Credit loss provision to net charge-offs | 230.6481% | 1,681 |
| Earnings coverage of net charge-offs (x) | -0.0794% | 5,784 |
| Efficiency ratio | 105.9417% | 630 |
| Assets per employee ($millions) | 3.1418% | 5,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3780% | 47 |
| Loan loss allowance to noncurrent loans | 47.9467% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 14.2383% | 174 |
| Noncurrent loans to loans | 15.3879% | 157 |
| Net loans and leases to total assets | 66.0045% | 3,830 |
| Net loans and leases to deposits | 72.4707% | 4,917 |
| Net loans and leases to core deposits | 82.1257% | 4,400 |
| Total domestic deposits to total assets | 91.0774% | 451 |
| Equity capital to assets | 3.0179% | 7,753 |
| Core capital (leverage) ratio | 0.9378% | 7,809 |
| Tier 1 risk-based capital ratio | 1.3074% | 7,811 |
| Total risk-based capital ratio | 2.6147% | 7,811 |
| Memoranda: | ||
| Average total assets | $448,851,670 | 1,521 |
| Average earning assets | $384,760,670 | 1,611 |
| Average equity | $19,819,670 | 3,198 |
| Average total loans | $315,707,670 | 1,458 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6328% | 2,018 |
| Cost of funding earning assets | 2.1719% | 647 |
| Net interest margin | 3.4609% | 5,332 |
| Noninterest income to average assets | 1.9566% | 350 |
| Noninterest expense to average assets | 5.3624% | 288 |
| Loan and lease loss provision to assets | 7.3745% | 75 |
| Net operating income to assets | -6.4814% | 7,832 |
| Return on assets (ROA) | -6.4778% | 7,836 |
| Pretax return on assets | -7.8281% | 7,855 |
| Return on Equity (ROE) | -128.0610% | 7,856 |
| Retained earnings to average equity (ytd only) | -128.0610% | 7,853 |
| Net charge-offs to loans | 2.4811% | 662 |
| Credit loss provision to net charge-offs | 425.1500% | 978 |
| Earnings coverage of net charge-offs (x) | -0.2640% | 5,193 |
| Efficiency ratio | 109.3369% | 617 |
| Assets per employee ($millions) | 3.2937% | 5,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1207% | 94 |
| Loan loss allowance to noncurrent loans | 39.9378% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 13.2007% | 202 |
| Noncurrent loans to loans | 15.3255% | 168 |
| Net loans and leases to total assets | 65.8353% | 3,900 |
| Net loans and leases to deposits | 74.5134% | 4,667 |
| Net loans and leases to core deposits | 85.7016% | 3,944 |
| Total domestic deposits to total assets | 88.3536% | 1,878 |
| Equity capital to assets | 4.5312% | 7,760 |
| Core capital (leverage) ratio | 3.0065% | 7,836 |
| Tier 1 risk-based capital ratio | 3.9674% | 7,843 |
| Total risk-based capital ratio | 5.2713% | 7,844 |
| Memoranda: | ||
| Average total assets | $461,208,500 | 1,523 |
| Average earning assets | $392,842,000 | 1,612 |
| Average equity | $23,329,500 | 2,789 |
| Average total loans | $322,436,500 | 1,465 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7237% | 2,994 |
| Cost of funding earning assets | 2.5794% | 830 |
| Net interest margin | 3.1443% | 6,246 |
| Noninterest income to average assets | 0.6719% | 3,143 |
| Noninterest expense to average assets | 3.3795% | 2,745 |
| Loan and lease loss provision to assets | 5.9276% | 116 |
| Net operating income to assets | -3.6270% | 7,533 |
| Return on assets (ROA) | -3.6100% | 7,540 |
| Pretax return on assets | -5.8397% | 7,789 |
| Return on Equity (ROE) | -48.4548% | 7,671 |
| Retained earnings to average equity (ytd only) | -48.4548% | 7,664 |
| Net charge-offs to loans | 5.7883% | 183 |
| Credit loss provision to net charge-offs | 146.7482% | 3,219 |
| Earnings coverage of net charge-offs (x) | 0.0152% | 6,176 |
| Efficiency ratio | 98.2178% | 1,198 |
| Assets per employee ($millions) | 3.2949% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9884% | 366 |
| Loan loss allowance to noncurrent loans | 25.2157% | 6,782 |
| Noncurrent assets plus other real estate owned to assets | 13.1098% | 196 |
| Noncurrent loans to loans | 15.8173% | 151 |
| Net loans and leases to total assets | 66.9210% | 3,944 |
| Net loans and leases to deposits | 76.9577% | 4,574 |
| Net loans and leases to core deposits | 98.7342% | 4,147 |
| Total domestic deposits to total assets | 86.9582% | 2,538 |
| Equity capital to assets | 5.5704% | 7,724 |
| Core capital (leverage) ratio | 4.8674% | 7,779 |
| Tier 1 risk-based capital ratio | 6.3940% | 7,796 |
| Total risk-based capital ratio | 7.6730% | 7,797 |
| Memoranda: | ||
| Average total assets | $494,099,000 | 1,400 |
| Average earning assets | $435,102,000 | 1,457 |
| Average equity | $36,811,600 | 1,828 |
| Average total loans | $344,799,200 | 1,405 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0259% | 1,932 |
| Cost of funding earning assets | 2.6843% | 823 |
| Net interest margin | 3.3416% | 5,481 |
| Noninterest income to average assets | 0.6940% | 3,056 |
| Noninterest expense to average assets | 3.1007% | 3,649 |
| Loan and lease loss provision to assets | 5.6937% | 123 |
| Net operating income to assets | -3.0938% | 7,613 |
| Return on assets (ROA) | -3.0746% | 7,616 |
| Pretax return on assets | -5.1108% | 7,825 |
| Return on Equity (ROE) | -38.9707% | 7,745 |
| Retained earnings to average equity (ytd only) | -38.9707% | 7,737 |
| Net charge-offs to loans | 5.1914% | 204 |
| Credit loss provision to net charge-offs | 157.1250% | 3,033 |
| Earnings coverage of net charge-offs (x) | 0.1526% | 5,880 |
| Efficiency ratio | 84.8677% | 2,201 |
| Assets per employee ($millions) | 3.3903% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3743% | 470 |
| Loan loss allowance to noncurrent loans | 35.1033% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 9.0696% | 425 |
| Noncurrent loans to loans | 9.6126% | 426 |
| Net loans and leases to total assets | 69.0787% | 3,695 |
| Net loans and leases to deposits | 80.5177% | 4,295 |
| Net loans and leases to core deposits | 105.3241% | 3,780 |
| Total domestic deposits to total assets | 85.7931% | 2,806 |
| Equity capital to assets | 6.8702% | 7,654 |
| Core capital (leverage) ratio | 6.0925% | 7,785 |
| Tier 1 risk-based capital ratio | 8.1687% | 7,769 |
| Total risk-based capital ratio | 9.4411% | 7,785 |
| Memoranda: | ||
| Average total assets | $500,653,750 | 1,394 |
| Average earning assets | $443,409,000 | 1,434 |
| Average equity | $39,498,750 | 1,721 |
| Average total loans | $349,469,750 | 1,400 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1254% | 1,712 |
| Cost of funding earning assets | 2.7233% | 982 |
| Net interest margin | 3.4021% | 5,158 |
| Noninterest income to average assets | 0.7940% | 2,441 |
| Noninterest expense to average assets | 3.1084% | 3,665 |
| Loan and lease loss provision to assets | 3.6421% | 376 |
| Net operating income to assets | -1.7268% | 7,335 |
| Return on assets (ROA) | -1.7042% | 7,323 |
| Pretax return on assets | -2.8866% | 7,539 |
| Return on Equity (ROE) | -20.7679% | 7,521 |
| Retained earnings to average equity (ytd only) | -20.7679% | 7,475 |
| Net charge-offs to loans | 2.3846% | 747 |
| Credit loss provision to net charge-offs | 220.4659% | 2,086 |
| Earnings coverage of net charge-offs (x) | 0.4359% | 5,261 |
| Efficiency ratio | 81.1897% | 2,855 |
| Assets per employee ($millions) | 3.6176% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4962% | 904 |
| Loan loss allowance to noncurrent loans | 32.5880% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 6.9928% | 607 |
| Noncurrent loans to loans | 7.6597% | 601 |
| Net loans and leases to total assets | 66.4964% | 4,460 |
| Net loans and leases to deposits | 77.9897% | 4,876 |
| Net loans and leases to core deposits | 101.4761% | 4,348 |
| Total domestic deposits to total assets | 85.2631% | 3,128 |
| Equity capital to assets | 7.4915% | 7,274 |
| Core capital (leverage) ratio | 7.4048% | 7,130 |
| Tier 1 risk-based capital ratio | 9.9870% | 6,945 |
| Total risk-based capital ratio | 11.2497% | 6,857 |
| Memoranda: | ||
| Average total assets | $509,324,000 | 1,386 |
| Average earning assets | $454,307,000 | 1,416 |
| Average equity | $41,795,330 | 1,629 |
| Average total loans | $352,850,670 | 1,417 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4542% | 950 |
| Cost of funding earning assets | 2.7795% | 1,032 |
| Net interest margin | 3.6746% | 3,997 |
| Noninterest income to average assets | 0.6050% | 3,513 |
| Noninterest expense to average assets | 3.0643% | 3,506 |
| Loan and lease loss provision to assets | 0.3573% | 3,177 |
| Net operating income to assets | 0.3856% | 4,917 |
| Return on assets (ROA) | 0.4070% | 5,010 |
| Pretax return on assets | 0.4993% | 5,080 |
| Return on Equity (ROE) | 4.7502% | 4,578 |
| Retained earnings to average equity (ytd only) | 4.7502% | 3,264 |
| Net charge-offs to loans | 0.4213% | 2,418 |
| Credit loss provision to net charge-offs | 121.4477% | 3,243 |
| Earnings coverage of net charge-offs (x) | 2.8231% | 3,366 |
| Efficiency ratio | 78.6756% | 3,053 |
| Assets per employee ($millions) | 3.4722% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 5,726 |
| Loan loss allowance to noncurrent loans | 26.7726% | 6,783 |
| Noncurrent assets plus other real estate owned to assets | 4.0400% | 1,269 |
| Noncurrent loans to loans | 3.9732% | 1,520 |
| Net loans and leases to total assets | 67.9984% | 4,140 |
| Net loans and leases to deposits | 80.9967% | 4,451 |
| Net loans and leases to core deposits | 107.3056% | 3,763 |
| Total domestic deposits to total assets | 83.9520% | 3,736 |
| Equity capital to assets | 8.5358% | 6,019 |
| Core capital (leverage) ratio | 8.5305% | 5,471 |
| Tier 1 risk-based capital ratio | 11.0536% | 5,858 |
| Total risk-based capital ratio | 12.0146% | 6,034 |
| Memoranda: | ||
| Average total assets | $507,134,500 | 1,402 |
| Average earning assets | $454,031,500 | 1,422 |
| Average equity | $43,451,000 | 1,571 |
| Average total loans | $354,106,500 | 1,423 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1382% | 839 |
| Cost of funding earning assets | 3.1409% | 1,380 |
| Net interest margin | 3.9973% | 3,127 |
| Noninterest income to average assets | 0.6737% | 3,304 |
| Noninterest expense to average assets | 3.2103% | 3,297 |
| Loan and lease loss provision to assets | 0.3507% | 3,589 |
| Net operating income to assets | 0.6342% | 4,171 |
| Return on assets (ROA) | 0.6536% | 3,943 |
| Pretax return on assets | 0.7055% | 4,384 |
| Return on Equity (ROE) | 7.3210% | 3,354 |
| Retained earnings to average equity (ytd only) | 5.0393% | 2,005 |
| Net charge-offs to loans | 0.7151% | 1,729 |
| Credit loss provision to net charge-offs | 65.9189% | 6,144 |
| Earnings coverage of net charge-offs (x) | 1.9461% | 5,093 |
| Efficiency ratio | 75.6152% | 3,303 |
| Assets per employee ($millions) | 3.3810% | 4,991 |
| Cash dividends to net income (ytd only)* | 31.1659% | 4,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 5,742 |
| Loan loss allowance to noncurrent loans | 34.7806% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 3.2221% | 1,415 |
| Noncurrent loans to loans | 2.9778% | 1,803 |
| Net loans and leases to total assets | 70.2152% | 3,970 |
| Net loans and leases to deposits | 83.9142% | 4,432 |
| Net loans and leases to core deposits | 109.5611% | 3,809 |
| Total domestic deposits to total assets | 83.6750% | 3,490 |
| Equity capital to assets | 8.6010% | 5,935 |
| Core capital (leverage) ratio | 8.6029% | 5,377 |
| Tier 1 risk-based capital ratio | 10.8913% | 5,816 |
| Total risk-based capital ratio | 11.8291% | 6,030 |
| Memoranda: | ||
| Average total assets | $477,644,200 | 1,441 |
| Average earning assets | $426,818,000 | 1,463 |
| Average equity | $42,644,400 | 1,570 |
| Average total loans | $355,333,800 | 1,368 |