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Century Security Bank, Performance and Condition Ratios
| 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 | 4.6076% | 7,278 |
| Cost of funding earning assets | 3.9895% | 11 |
| Net interest margin | 0.6180% | 7,958 |
| Noninterest income to average assets | 0.0640% | 7,433 |
| Noninterest expense to average assets | 4.2597% | 1,031 |
| Loan and lease loss provision to assets | 1.2306% | 1,869 |
| Net operating income to assets | -4.8861% | 7,731 |
| Return on assets (ROA) | -4.8184% | 7,716 |
| Pretax return on assets | -4.8184% | 7,676 |
| Return on Equity (ROE) | -104.9780% | 7,942 |
| Retained earnings to average equity (ytd only) | -104.9780% | 7,942 |
| Net charge-offs to loans | 1.8657% | 1,339 |
| Credit loss provision to net charge-offs | 92.4686% | 5,920 |
| Earnings coverage of net charge-offs (x) | -2.7469% | 7,040 |
| Efficiency ratio | 705.0691% | 23 |
| Assets per employee ($millions) | 5.0808% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7082% | 2,873 |
| Loan loss allowance to noncurrent loans | 14.7270% | 7,275 |
| Noncurrent assets plus other real estate owned to assets | 25.8808% | 19 |
| Noncurrent loans to loans | 11.5991% | 300 |
| Net loans and leases to total assets | 64.7920% | 4,420 |
| Net loans and leases to deposits | 66.5627% | 5,992 |
| Net loans and leases to core deposits | 131.5699% | 1,194 |
| Total domestic deposits to total assets | 97.3398% | 17 |
| Equity capital to assets | 2.3639% | 7,949 |
| Core capital (leverage) ratio | 2.2420% | 7,945 |
| Tier 1 risk-based capital ratio | 2.6434% | 7,956 |
| Total risk-based capital ratio | 3.8933% | 7,956 |
| Memoranda: | ||
| Average total assets | $107,754,400 | 4,886 |
| Average earning assets | $94,171,200 | 5,008 |
| Average equity | $4,945,800 | 6,960 |
| Average total loans | $76,862,200 | 4,627 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6387% | 7,367 |
| Cost of funding earning assets | 4.1643% | 8 |
| Net interest margin | 0.4744% | 8,058 |
| Noninterest income to average assets | 0.0748% | 7,532 |
| Noninterest expense to average assets | 3.6697% | 1,888 |
| Loan and lease loss provision to assets | 1.3326% | 1,450 |
| Net operating income to assets | -4.5043% | 7,793 |
| Return on assets (ROA) | -4.4078% | 7,791 |
| Pretax return on assets | -4.4078% | 7,744 |
| Return on Equity (ROE) | -86.8394% | 7,981 |
| Retained earnings to average equity (ytd only) | -86.8394% | 7,980 |
| Net charge-offs to loans | 1.9009% | 1,055 |
| Credit loss provision to net charge-offs | 96.6754% | 5,281 |
| Earnings coverage of net charge-offs (x) | -2.3010% | 6,767 |
| Efficiency ratio | 736.8039% | 15 |
| Assets per employee ($millions) | 5.3755% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 2,755 |
| Loan loss allowance to noncurrent loans | 14.5810% | 7,345 |
| Noncurrent assets plus other real estate owned to assets | 22.9892% | 28 |
| Noncurrent loans to loans | 11.4063% | 305 |
| Net loans and leases to total assets | 66.9800% | 4,189 |
| Net loans and leases to deposits | 69.8917% | 5,931 |
| Net loans and leases to core deposits | 132.7190% | 1,294 |
| Total domestic deposits to total assets | 95.8339% | 27 |
| Equity capital to assets | 3.7568% | 8,007 |
| Core capital (leverage) ratio | 3.4658% | 8,010 |
| Tier 1 risk-based capital ratio | 4.2389% | 8,021 |
| Total risk-based capital ratio | 5.4894% | 8,026 |
| Memoranda: | ||
| Average total assets | $110,559,250 | 4,843 |
| Average earning assets | $98,645,750 | 4,903 |
| Average equity | $5,611,750 | 6,812 |
| Average total loans | $80,169,250 | 4,544 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7202% | 7,362 |
| Cost of funding earning assets | 4.1137% | 17 |
| Net interest margin | 0.6064% | 8,137 |
| Noninterest income to average assets | 0.0370% | 7,805 |
| Noninterest expense to average assets | 3.9059% | 1,474 |
| Loan and lease loss provision to assets | 1.9494% | 838 |
| Net operating income to assets | -5.2643% | 7,957 |
| Return on assets (ROA) | -5.0949% | 7,938 |
| Pretax return on assets | -5.0949% | 7,872 |
| Return on Equity (ROE) | -93.1113% | 8,068 |
| Retained earnings to average equity (ytd only) | -93.1113% | 8,067 |
| Net charge-offs to loans | 2.7550% | 608 |
| Credit loss provision to net charge-offs | 95.8369% | 4,744 |
| Earnings coverage of net charge-offs (x) | -1.6297% | 6,321 |
| Efficiency ratio | 660.8955% | 30 |
| Assets per employee ($millions) | 5.8190% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 3,270 |
| Loan loss allowance to noncurrent loans | 16.4233% | 7,317 |
| Noncurrent assets plus other real estate owned to assets | 17.3578% | 69 |
| Noncurrent loans to loans | 9.0527% | 433 |
| Net loans and leases to total assets | 68.7412% | 4,013 |
| Net loans and leases to deposits | 72.0970% | 5,722 |
| Net loans and leases to core deposits | 135.1009% | 1,259 |
| Total domestic deposits to total assets | 95.3456% | 29 |
| Equity capital to assets | 4.1425% | 8,094 |
| Core capital (leverage) ratio | 4.0538% | 8,091 |
| Tier 1 risk-based capital ratio | 4.7859% | 8,103 |
| Total risk-based capital ratio | 5.9879% | 8,110 |
| Memoranda: | ||
| Average total assets | $113,367,330 | 4,789 |
| Average earning assets | $103,556,000 | 4,800 |
| Average equity | $6,203,330 | 6,643 |
| Average total loans | $83,703,330 | 4,471 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 7,568 |
| Cost of funding earning assets | 4.0319% | 26 |
| Net interest margin | 0.6237% | 8,191 |
| Noninterest income to average assets | 0.0209% | 7,971 |
| Noninterest expense to average assets | 3.6072% | 1,851 |
| Loan and lease loss provision to assets | 0.3311% | 3,339 |
| Net operating income to assets | -3.3319% | 7,892 |
| Return on assets (ROA) | -2.9973% | 7,844 |
| Pretax return on assets | -2.9973% | 7,757 |
| Return on Equity (ROE) | -49.0378% | 8,043 |
| Retained earnings to average equity (ytd only) | -49.0378% | 8,026 |
| Net charge-offs to loans | 0.3495% | 2,686 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | -11.3289% | 5,628 |
| Efficiency ratio | 594.8276% | 35 |
| Assets per employee ($millions) | 5.9054% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 3,168 |
| Loan loss allowance to noncurrent loans | 21.0910% | 7,109 |
| Noncurrent assets plus other real estate owned to assets | 11.2324% | 170 |
| Noncurrent loans to loans | 6.9450% | 582 |
| Net loans and leases to total assets | 72.7848% | 3,055 |
| Net loans and leases to deposits | 77.7616% | 4,963 |
| Net loans and leases to core deposits | 152.3080% | 642 |
| Total domestic deposits to total assets | 93.5999% | 57 |
| Equity capital to assets | 5.8769% | 8,018 |
| Core capital (leverage) ratio | 5.7023% | 8,054 |
| Tier 1 risk-based capital ratio | 6.8513% | 8,106 |
| Total risk-based capital ratio | 8.0408% | 8,119 |
| Memoranda: | ||
| Average total assets | $114,770,500 | 4,783 |
| Average earning assets | $107,740,000 | 4,695 |
| Average equity | $7,015,000 | 6,403 |
| Average total loans | $86,981,000 | 4,392 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0962% | 5,066 |
| Cost of funding earning assets | 4.1667% | 53 |
| Net interest margin | 1.9295% | 8,106 |
| Noninterest income to average assets | 0.1666% | 7,229 |
| Noninterest expense to average assets | 3.4489% | 2,529 |
| Loan and lease loss provision to assets | 3.3920% | 249 |
| Net operating income to assets | -4.8063% | 8,072 |
| Return on assets (ROA) | -4.8063% | 8,059 |
| Pretax return on assets | -4.8063% | 8,000 |
| Return on Equity (ROE) | -46.1093% | 8,132 |
| Retained earnings to average equity (ytd only) | -46.1093% | 8,108 |
| Net charge-offs to loans | 4.4791% | 126 |
| Credit loss provision to net charge-offs | 91.4641% | 5,644 |
| Earnings coverage of net charge-offs (x) | -0.3813% | 6,451 |
| Efficiency ratio | 169.5087% | 282 |
| Assets per employee ($millions) | 5.8670% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 3,697 |
| Loan loss allowance to noncurrent loans | 11.1818% | 7,491 |
| Noncurrent assets plus other real estate owned to assets | 9.6754% | 181 |
| Noncurrent loans to loans | 11.7334% | 138 |
| Net loans and leases to total assets | 76.6045% | 2,470 |
| Net loans and leases to deposits | 82.2027% | 4,693 |
| Net loans and leases to core deposits | 164.5860% | 501 |
| Total domestic deposits to total assets | 93.1898% | 50 |
| Equity capital to assets | 6.3372% | 7,984 |
| Core capital (leverage) ratio | 6.5492% | 7,919 |
| Tier 1 risk-based capital ratio | 7.6023% | 8,123 |
| Total risk-based capital ratio | 8.8278% | 8,153 |
| Memoranda: | ||
| Average total assets | $102,033,200 | 4,993 |
| Average earning assets | $98,783,200 | 4,838 |
| Average equity | $10,635,600 | 5,231 |
| Average total loans | $84,482,200 | 4,386 |