Home > First Commercial Bank of Florida > Performance and Condition Ratios
First Commercial Bank of Florida, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9128% | 7,190 |
| Cost of funding earning assets | 2.3700% | 168 |
| Net interest margin | 1.5428% | 7,545 |
| Noninterest income to average assets | -0.4854% | 7,564 |
| Noninterest expense to average assets | 2.0964% | 6,854 |
| Loan and lease loss provision to assets | 6.5053% | 34 |
| Net operating income to assets | -8.4557% | 7,624 |
| Return on assets (ROA) | -8.3849% | 7,622 |
| Pretax return on assets | -7.6188% | 7,617 |
| Return on Equity (ROE) | -253.1622% | 7,652 |
| Retained earnings to average equity (ytd only) | -253.1622% | 7,652 |
| Net charge-offs to loans | 3.4887% | 407 |
| Credit loss provision to net charge-offs | 240.9777% | 1,193 |
| Earnings coverage of net charge-offs (x) | -0.4387% | 6,425 |
| Efficiency ratio | 229.8546% | 64 |
| Assets per employee ($millions) | 6.8075% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0066% | 41 |
| Loan loss allowance to noncurrent loans | 31.3879% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 23.0607% | 45 |
| Noncurrent loans to loans | 25.5087% | 38 |
| Net loans and leases to total assets | 73.4684% | 1,775 |
| Net loans and leases to deposits | 79.1321% | 3,317 |
| Net loans and leases to core deposits | 83.2519% | 3,713 |
| Total domestic deposits to total assets | 92.8427% | 152 |
| Equity capital to assets | -2.2660% | 7,655 |
| Core capital (leverage) ratio | -2.2239% | 7,655 |
| Tier 1 risk-based capital ratio | -2.9213% | 7,655 |
| Total risk-based capital ratio | -2.9213% | 7,655 |
| Memoranda: | ||
| Average total assets | $633,510,600 | 1,060 |
| Average earning assets | $573,832,600 | 1,051 |
| Average equity | $20,982,200 | 3,008 |
| Average total loans | $490,210,400 | 912 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 7,250 |
| Cost of funding earning assets | 2.4697% | 159 |
| Net interest margin | 1.5781% | 7,663 |
| Noninterest income to average assets | -0.4305% | 7,662 |
| Noninterest expense to average assets | 1.9902% | 7,066 |
| Loan and lease loss provision to assets | 8.3354% | 14 |
| Net operating income to assets | -5.8027% | 7,687 |
| Return on assets (ROA) | -5.7435% | 7,689 |
| Pretax return on assets | -9.2425% | 7,740 |
| Return on Equity (ROE) | -125.9881% | 7,714 |
| Retained earnings to average equity (ytd only) | -125.9881% | 7,714 |
| Net charge-offs to loans | 4.3849% | 244 |
| Credit loss provision to net charge-offs | 247.4347% | 1,353 |
| Earnings coverage of net charge-offs (x) | -0.2967% | 6,245 |
| Efficiency ratio | 200.8942% | 82 |
| Assets per employee ($millions) | 6.8797% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8878% | 41 |
| Loan loss allowance to noncurrent loans | 32.3201% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 21.8001% | 40 |
| Noncurrent loans to loans | 24.4054% | 32 |
| Net loans and leases to total assets | 72.1890% | 2,211 |
| Net loans and leases to deposits | 81.5881% | 3,175 |
| Net loans and leases to core deposits | 88.2040% | 3,338 |
| Total domestic deposits to total assets | 88.4799% | 1,680 |
| Equity capital to assets | 2.0260% | 7,724 |
| Core capital (leverage) ratio | -1.5989% | 7,758 |
| Tier 1 risk-based capital ratio | -2.1318% | 7,757 |
| Total risk-based capital ratio | -2.1318% | 7,757 |
| Memoranda: | ||
| Average total assets | $647,228,750 | 1,043 |
| Average earning assets | $582,894,250 | 1,039 |
| Average equity | $29,505,750 | 2,235 |
| Average total loans | $497,234,000 | 906 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1027% | 7,284 |
| Cost of funding earning assets | 2.5547% | 147 |
| Net interest margin | 1.5481% | 7,736 |
| Noninterest income to average assets | -0.6897% | 7,772 |
| Noninterest expense to average assets | 2.0185% | 7,077 |
| Loan and lease loss provision to assets | 4.6939% | 133 |
| Net operating income to assets | -3.7360% | 7,597 |
| Return on assets (ROA) | -3.6494% | 7,596 |
| Pretax return on assets | -5.8671% | 7,721 |
| Return on Equity (ROE) | -68.5912% | 7,678 |
| Retained earnings to average equity (ytd only) | -68.5912% | 7,676 |
| Net charge-offs to loans | 3.9994% | 325 |
| Credit loss provision to net charge-offs | 153.6966% | 2,559 |
| Earnings coverage of net charge-offs (x) | -0.4285% | 5,994 |
| Efficiency ratio | 284.3312% | 48 |
| Assets per employee ($millions) | 7.3236% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7739% | 443 |
| Loan loss allowance to noncurrent loans | 35.4772% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 10.0273% | 405 |
| Noncurrent loans to loans | 10.6374% | 394 |
| Net loans and leases to total assets | 70.9095% | 2,685 |
| Net loans and leases to deposits | 82.5541% | 3,171 |
| Net loans and leases to core deposits | 90.9050% | 3,144 |
| Total domestic deposits to total assets | 85.8946% | 3,153 |
| Equity capital to assets | 4.2331% | 7,679 |
| Core capital (leverage) ratio | 2.2757% | 7,766 |
| Tier 1 risk-based capital ratio | 3.0183% | 7,773 |
| Total risk-based capital ratio | 6.0365% | 7,718 |
| Memoranda: | ||
| Average total assets | $663,460,330 | 1,020 |
| Average earning assets | $599,844,670 | 1,024 |
| Average equity | $35,299,000 | 1,891 |
| Average total loans | $506,620,000 | 896 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0836% | 7,388 |
| Cost of funding earning assets | 2.6283% | 151 |
| Net interest margin | 1.4553% | 7,837 |
| Noninterest income to average assets | -0.5679% | 7,870 |
| Noninterest expense to average assets | 2.2181% | 6,637 |
| Loan and lease loss provision to assets | 0.9711% | 1,286 |
| Net operating income to assets | -1.5110% | 7,337 |
| Return on assets (ROA) | -1.3383% | 7,283 |
| Pretax return on assets | -2.1706% | 7,452 |
| Return on Equity (ROE) | -22.8422% | 7,479 |
| Retained earnings to average equity (ytd only) | -22.8422% | 7,432 |
| Net charge-offs to loans | 1.2269% | 1,389 |
| Credit loss provision to net charge-offs | 101.8916% | 3,339 |
| Earnings coverage of net charge-offs (x) | -1.5416% | 5,436 |
| Efficiency ratio | 296.2279% | 42 |
| Assets per employee ($millions) | 7.3610% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5385% | 1,246 |
| Loan loss allowance to noncurrent loans | 22.9844% | 6,854 |
| Noncurrent assets plus other real estate owned to assets | 11.2171% | 319 |
| Noncurrent loans to loans | 11.0445% | 355 |
| Net loans and leases to total assets | 74.8750% | 1,770 |
| Net loans and leases to deposits | 88.0871% | 2,210 |
| Net loans and leases to core deposits | 99.3732% | 2,195 |
| Total domestic deposits to total assets | 85.0011% | 3,679 |
| Equity capital to assets | 5.7029% | 7,659 |
| Core capital (leverage) ratio | 4.6511% | 7,732 |
| Tier 1 risk-based capital ratio | 5.8243% | 7,756 |
| Total risk-based capital ratio | 8.8966% | 7,656 |
| Memoranda: | ||
| Average total assets | $665,629,500 | 1,039 |
| Average earning assets | $602,207,000 | 1,041 |
| Average equity | $38,998,000 | 1,724 |
| Average total loans | $517,075,000 | 903 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0830% | 6,156 |
| Cost of funding earning assets | 3.0346% | 208 |
| Net interest margin | 2.0484% | 7,722 |
| Noninterest income to average assets | 0.1565% | 6,950 |
| Noninterest expense to average assets | 1.8071% | 7,599 |
| Loan and lease loss provision to assets | 3.3749% | 470 |
| Net operating income to assets | -1.9385% | 7,064 |
| Return on assets (ROA) | -1.9473% | 7,071 |
| Pretax return on assets | -3.1441% | 7,333 |
| Return on Equity (ROE) | -27.9167% | 7,362 |
| Retained earnings to average equity (ytd only) | -27.9167% | 7,341 |
| Net charge-offs to loans | 5.5176% | 205 |
| Credit loss provision to net charge-offs | 75.1488% | 6,391 |
| Earnings coverage of net charge-offs (x) | 0.0544% | 6,123 |
| Efficiency ratio | 88.0849% | 1,872 |
| Assets per employee ($millions) | 7.1911% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4543% | 1,282 |
| Loan loss allowance to noncurrent loans | 63.0595% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 6.2045% | 900 |
| Noncurrent loans to loans | 3.8921% | 1,908 |
| Net loans and leases to total assets | 76.6035% | 1,671 |
| Net loans and leases to deposits | 90.3652% | 2,163 |
| Net loans and leases to core deposits | 97.3956% | 4,302 |
| Total domestic deposits to total assets | 84.7710% | 3,672 |
| Equity capital to assets | 6.0133% | 7,665 |
| Core capital (leverage) ratio | 5.8955% | 7,656 |
| Tier 1 risk-based capital ratio | 7.0909% | 7,738 |
| Total risk-based capital ratio | 10.5693% | 7,307 |
| Memoranda: | ||
| Average total assets | $695,848,800 | 989 |
| Average earning assets | $643,773,600 | 971 |
| Average equity | $48,537,200 | 1,383 |
| Average total loans | $566,371,600 | 842 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1530% | 6,099 |
| Cost of funding earning assets | 3.1084% | 239 |
| Net interest margin | 2.0446% | 7,796 |
| Noninterest income to average assets | 0.2085% | 6,734 |
| Noninterest expense to average assets | 1.8001% | 7,661 |
| Loan and lease loss provision to assets | 2.0225% | 887 |
| Net operating income to assets | -1.0816% | 6,887 |
| Return on assets (ROA) | -1.0816% | 6,892 |
| Pretax return on assets | -1.7111% | 7,052 |
| Return on Equity (ROE) | -15.0141% | 7,192 |
| Retained earnings to average equity (ytd only) | -15.0141% | 7,135 |
| Net charge-offs to loans | 4.0494% | 345 |
| Credit loss provision to net charge-offs | 60.8542% | 6,156 |
| Earnings coverage of net charge-offs (x) | 0.0937% | 5,950 |
| Efficiency ratio | 85.2521% | 2,154 |
| Assets per employee ($millions) | 7.3071% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5127% | 1,047 |
| Loan loss allowance to noncurrent loans | 44.8299% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 7.2757% | 633 |
| Noncurrent loans to loans | 5.6050% | 1,110 |
| Net loans and leases to total assets | 77.9483% | 1,585 |
| Net loans and leases to deposits | 92.7338% | 2,112 |
| Net loans and leases to core deposits | 100.1530% | 4,356 |
| Total domestic deposits to total assets | 84.0560% | 3,698 |
| Equity capital to assets | 6.9971% | 7,599 |
| Core capital (leverage) ratio | 6.9103% | 7,483 |
| Tier 1 risk-based capital ratio | 8.1450% | 7,775 |
| Total risk-based capital ratio | 11.5375% | 6,643 |
| Memoranda: | ||
| Average total assets | $702,618,000 | 985 |
| Average earning assets | $653,944,500 | 961 |
| Average equity | $50,617,750 | 1,341 |
| Average total loans | $576,666,250 | 845 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1928% | 6,102 |
| Cost of funding earning assets | 3.1762% | 285 |
| Net interest margin | 2.0166% | 7,857 |
| Noninterest income to average assets | 0.1964% | 6,889 |
| Noninterest expense to average assets | 1.7825% | 7,763 |
| Loan and lease loss provision to assets | 1.6274% | 1,031 |
| Net operating income to assets | -0.8527% | 6,865 |
| Return on assets (ROA) | -0.8527% | 6,876 |
| Pretax return on assets | -1.3257% | 7,004 |
| Return on Equity (ROE) | -11.7272% | 7,157 |
| Retained earnings to average equity (ytd only) | -11.7272% | 7,035 |
| Net charge-offs to loans | 2.4499% | 718 |
| Credit loss provision to net charge-offs | 80.2676% | 5,189 |
| Earnings coverage of net charge-offs (x) | 0.1488% | 5,523 |
| Efficiency ratio | 85.5226% | 2,282 |
| Assets per employee ($millions) | 7.0075% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3199% | 444 |
| Loan loss allowance to noncurrent loans | 42.4041% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 7.8353% | 494 |
| Noncurrent loans to loans | 7.8292% | 572 |
| Net loans and leases to total assets | 79.9564% | 1,320 |
| Net loans and leases to deposits | 95.1271% | 1,930 |
| Net loans and leases to core deposits | 103.2806% | 4,149 |
| Total domestic deposits to total assets | 84.0521% | 3,738 |
| Equity capital to assets | 7.1530% | 7,519 |
| Core capital (leverage) ratio | 7.1301% | 7,426 |
| Tier 1 risk-based capital ratio | 8.2173% | 7,892 |
| Total risk-based capital ratio | 11.6313% | 6,435 |
| Memoranda: | ||
| Average total assets | $707,866,670 | 988 |
| Average earning assets | $662,684,000 | 962 |
| Average equity | $51,470,000 | 1,325 |
| Average total loans | $585,820,000 | 850 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4362% | 5,245 |
| Cost of funding earning assets | 3.2898% | 274 |
| Net interest margin | 2.1464% | 7,830 |
| Noninterest income to average assets | 0.1777% | 7,033 |
| Noninterest expense to average assets | 1.7868% | 7,716 |
| Loan and lease loss provision to assets | 0.5459% | 2,291 |
| Net operating income to assets | -0.0815% | 6,384 |
| Return on assets (ROA) | -0.0815% | 6,500 |
| Pretax return on assets | -0.1349% | 6,509 |
| Return on Equity (ROE) | -1.1123% | 6,558 |
| Retained earnings to average equity (ytd only) | -1.1123% | 5,918 |
| Net charge-offs to loans | 2.7554% | 476 |
| Credit loss provision to net charge-offs | 23.9339% | 5,027 |
| Earnings coverage of net charge-offs (x) | 0.1802% | 4,839 |
| Efficiency ratio | 81.2996% | 2,641 |
| Assets per employee ($millions) | 7.1205% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0279% | 466 |
| Loan loss allowance to noncurrent loans | 41.8932% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 6.8857% | 503 |
| Noncurrent loans to loans | 7.2277% | 539 |
| Net loans and leases to total assets | 78.2425% | 1,763 |
| Net loans and leases to deposits | 92.9160% | 2,451 |
| Net loans and leases to core deposits | 100.9610% | 4,441 |
| Total domestic deposits to total assets | 84.2077% | 3,600 |
| Equity capital to assets | 7.2617% | 7,517 |
| Core capital (leverage) ratio | 7.1569% | 7,520 |
| Tier 1 risk-based capital ratio | 8.4423% | 7,950 |
| Total risk-based capital ratio | 11.8213% | 6,237 |
| Memoranda: | ||
| Average total assets | $711,424,500 | 989 |
| Average earning assets | $669,581,500 | 952 |
| Average equity | $52,142,500 | 1,311 |
| Average total loans | $588,962,500 | 845 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5298% | 2,806 |
| Cost of funding earning assets | 3.5246% | 483 |
| Net interest margin | 3.0052% | 6,902 |
| Noninterest income to average assets | 0.2578% | 6,604 |
| Noninterest expense to average assets | 1.7723% | 7,782 |
| Loan and lease loss provision to assets | 2.2768% | 499 |
| Net operating income to assets | -0.5808% | 6,988 |
| Return on assets (ROA) | -0.5813% | 6,873 |
| Pretax return on assets | -0.9423% | 6,966 |
| Return on Equity (ROE) | -7.2493% | 7,066 |
| Retained earnings to average equity (ytd only) | -14.1435% | 7,409 |
| Net charge-offs to loans | 0.6883% | 1,783 |
| Credit loss provision to net charge-offs | 395.0360% | 1,115 |
| Earnings coverage of net charge-offs (x) | 2.3168% | 4,927 |
| Efficiency ratio | 57.0317% | 6,866 |
| Assets per employee ($millions) | 6.7662% | 782 |
| Cash dividends to net income (ytd only)* | -95.1022% | 8,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4561% | 290 |
| Loan loss allowance to noncurrent loans | 45.4607% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 6.8889% | 386 |
| Noncurrent loans to loans | 7.6025% | 372 |
| Net loans and leases to total assets | 81.9980% | 1,235 |
| Net loans and leases to deposits | 96.4611% | 2,374 |
| Net loans and leases to core deposits | 105.1839% | 4,280 |
| Total domestic deposits to total assets | 85.0063% | 2,842 |
| Equity capital to assets | 7.3984% | 7,467 |
| Core capital (leverage) ratio | 7.2635% | 7,456 |
| Tier 1 risk-based capital ratio | 8.3585% | 8,021 |
| Total risk-based capital ratio | 12.1791% | 5,707 |
| Memoranda: | ||
| Average total assets | $723,526,800 | 922 |
| Average earning assets | $686,111,400 | 893 |
| Average equity | $58,019,600 | 1,154 |
| Average total loans | $605,845,200 | 790 |