Home > Gulf State Community Bank > Performance and Condition Ratios
Gulf State Community 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 | 4.7941% | 5,685 |
| Cost of funding earning assets | 1.9134% | 991 |
| Net interest margin | 2.8808% | 7,036 |
| Noninterest income to average assets | -0.5952% | 7,695 |
| Noninterest expense to average assets | 4.8694% | 419 |
| Loan and lease loss provision to assets | 1.7070% | 746 |
| Net operating income to assets | -4.8774% | 7,634 |
| Return on assets (ROA) | -4.8774% | 7,645 |
| Pretax return on assets | -4.8774% | 7,630 |
| Return on Equity (ROE) | -298.6423% | 7,756 |
| Retained earnings to average equity (ytd only) | -298.6423% | 7,756 |
| Net charge-offs to loans | 2.4037% | 719 |
| Credit loss provision to net charge-offs | 107.2961% | 3,976 |
| Earnings coverage of net charge-offs (x) | -1.9928% | 6,535 |
| Efficiency ratio | 286.6042% | 31 |
| Assets per employee ($millions) | 2.2429% | 7,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0633% | 165 |
| Loan loss allowance to noncurrent loans | 23.8453% | 6,715 |
| Noncurrent assets plus other real estate owned to assets | 22.9705% | 33 |
| Noncurrent loans to loans | 21.2339% | 62 |
| Net loans and leases to total assets | 62.6650% | 4,393 |
| Net loans and leases to deposits | 62.6376% | 6,059 |
| Net loans and leases to core deposits | 71.6171% | 5,561 |
| Total domestic deposits to total assets | 100.0437% | 4 |
| Equity capital to assets | -0.2889% | 7,755 |
| Core capital (leverage) ratio | -0.5344% | 7,754 |
| Tier 1 risk-based capital ratio | -0.7199% | 7,754 |
| Total risk-based capital ratio | -0.7199% | 7,754 |
| Memoranda: | ||
| Average total assets | $117,163,750 | 4,604 |
| Average earning assets | $93,306,500 | 4,971 |
| Average equity | $1,913,500 | 7,615 |
| Average total loans | $77,546,250 | 4,482 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7051% | 6,126 |
| Cost of funding earning assets | 1.9317% | 1,108 |
| Net interest margin | 2.7734% | 7,186 |
| Noninterest income to average assets | -0.9122% | 7,787 |
| Noninterest expense to average assets | 4.7022% | 475 |
| Loan and lease loss provision to assets | 1.2370% | 1,133 |
| Net operating income to assets | -4.6332% | 7,675 |
| Return on assets (ROA) | -4.6332% | 7,680 |
| Pretax return on assets | -4.6332% | 7,656 |
| Return on Equity (ROE) | -207.0446% | 7,804 |
| Retained earnings to average equity (ytd only) | -207.0446% | 7,804 |
| Net charge-offs to loans | 2.6905% | 613 |
| Credit loss provision to net charge-offs | 69.4051% | 4,985 |
| Earnings coverage of net charge-offs (x) | -1.9056% | 6,202 |
| Efficiency ratio | 360.0515% | 28 |
| Assets per employee ($millions) | 2.3431% | 7,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3966% | 277 |
| Loan loss allowance to noncurrent loans | 36.0656% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 16.8163% | 100 |
| Noncurrent loans to loans | 12.1905% | 276 |
| Net loans and leases to total assets | 61.6599% | 4,746 |
| Net loans and leases to deposits | 62.4796% | 6,186 |
| Net loans and leases to core deposits | 72.3477% | 5,635 |
| Total domestic deposits to total assets | 98.6881% | 5 |
| Equity capital to assets | 1.0192% | 7,811 |
| Core capital (leverage) ratio | 0.7576% | 7,815 |
| Tier 1 risk-based capital ratio | 1.0427% | 7,815 |
| Total risk-based capital ratio | 2.0853% | 7,815 |
| Memoranda: | ||
| Average total assets | $118,837,000 | 4,600 |
| Average earning assets | $95,046,670 | 4,956 |
| Average equity | $2,659,330 | 7,512 |
| Average total loans | $78,720,670 | 4,484 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 6,542 |
| Cost of funding earning assets | 1.9240% | 1,354 |
| Net interest margin | 2.6838% | 7,316 |
| Noninterest income to average assets | 0.9091% | 1,589 |
| Noninterest expense to average assets | 4.6525% | 490 |
| Loan and lease loss provision to assets | 0.6183% | 2,057 |
| Net operating income to assets | -2.1892% | 7,500 |
| Return on assets (ROA) | -2.1892% | 7,506 |
| Pretax return on assets | -2.1892% | 7,456 |
| Return on Equity (ROE) | -77.2406% | 7,788 |
| Retained earnings to average equity (ytd only) | -77.2406% | 7,783 |
| Net charge-offs to loans | 1.4047% | 1,227 |
| Credit loss provision to net charge-offs | 65.6028% | 4,190 |
| Earnings coverage of net charge-offs (x) | -1.6667% | 5,441 |
| Efficiency ratio | 150.9761% | 207 |
| Assets per employee ($millions) | 2.3914% | 7,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4433% | 263 |
| Loan loss allowance to noncurrent loans | 26.3729% | 6,642 |
| Noncurrent assets plus other real estate owned to assets | 18.9882% | 69 |
| Noncurrent loans to loans | 16.8480% | 137 |
| Net loans and leases to total assets | 63.8326% | 4,369 |
| Net loans and leases to deposits | 65.7076% | 5,854 |
| Net loans and leases to core deposits | 78.7641% | 4,927 |
| Total domestic deposits to total assets | 97.1464% | 20 |
| Equity capital to assets | 2.5801% | 7,869 |
| Core capital (leverage) ratio | 2.4991% | 7,867 |
| Tier 1 risk-based capital ratio | 3.2553% | 7,867 |
| Total risk-based capital ratio | 4.5372% | 7,867 |
| Memoranda: | ||
| Average total assets | $119,678,500 | 4,636 |
| Average earning assets | $96,879,000 | 4,959 |
| Average equity | $3,392,000 | 7,376 |
| Average total loans | $80,301,500 | 4,495 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2416% | 5,453 |
| Cost of funding earning assets | 2.3179% | 1,586 |
| Net interest margin | 2.9237% | 6,814 |
| Noninterest income to average assets | 0.9912% | 1,608 |
| Noninterest expense to average assets | 4.1029% | 1,229 |
| Loan and lease loss provision to assets | 5.4131% | 153 |
| Net operating income to assets | -6.1113% | 7,843 |
| Return on assets (ROA) | -6.1113% | 7,835 |
| Pretax return on assets | -6.1113% | 7,814 |
| Return on Equity (ROE) | -89.2641% | 7,897 |
| Retained earnings to average equity (ytd only) | -89.2641% | 7,895 |
| Net charge-offs to loans | 6.3559% | 155 |
| Credit loss provision to net charge-offs | 118.4369% | 4,556 |
| Earnings coverage of net charge-offs (x) | -0.1528% | 6,392 |
| Efficiency ratio | 120.5055% | 599 |
| Assets per employee ($millions) | 2.0303% | 7,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5163% | 246 |
| Loan loss allowance to noncurrent loans | 27.2069% | 6,662 |
| Noncurrent assets plus other real estate owned to assets | 17.7288% | 87 |
| Noncurrent loans to loans | 16.5998% | 125 |
| Net loans and leases to total assets | 64.3504% | 4,524 |
| Net loans and leases to deposits | 66.5665% | 5,991 |
| Net loans and leases to core deposits | 85.5358% | 5,567 |
| Total domestic deposits to total assets | 96.6708% | 26 |
| Equity capital to assets | 3.0880% | 7,913 |
| Core capital (leverage) ratio | 3.0168% | 7,906 |
| Tier 1 risk-based capital ratio | 3.9494% | 7,911 |
| Total risk-based capital ratio | 5.2321% | 7,913 |
| Memoranda: | ||
| Average total assets | $123,182,400 | 4,489 |
| Average earning assets | $101,685,800 | 4,795 |
| Average equity | $8,433,400 | 5,786 |
| Average total loans | $88,578,800 | 4,251 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4476% | 4,698 |
| Cost of funding earning assets | 2.4074% | 1,611 |
| Net interest margin | 3.0402% | 6,493 |
| Noninterest income to average assets | 1.0556% | 1,430 |
| Noninterest expense to average assets | 4.0258% | 1,241 |
| Loan and lease loss provision to assets | 4.5310% | 218 |
| Net operating income to assets | -4.9857% | 7,840 |
| Return on assets (ROA) | -4.9857% | 7,840 |
| Pretax return on assets | -4.9857% | 7,809 |
| Return on Equity (ROE) | -64.3012% | 7,912 |
| Retained earnings to average equity (ytd only) | -64.3012% | 7,910 |
| Net charge-offs to loans | 4.7432% | 255 |
| Credit loss provision to net charge-offs | 130.8600% | 3,822 |
| Earnings coverage of net charge-offs (x) | -0.1313% | 6,222 |
| Efficiency ratio | 112.7333% | 716 |
| Assets per employee ($millions) | 1.9868% | 7,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1977% | 257 |
| Loan loss allowance to noncurrent loans | 35.5753% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 14.3538% | 136 |
| Noncurrent loans to loans | 11.7995% | 283 |
| Net loans and leases to total assets | 70.1287% | 3,482 |
| Net loans and leases to deposits | 74.6834% | 5,268 |
| Net loans and leases to core deposits | 92.4152% | 5,192 |
| Total domestic deposits to total assets | 93.9014% | 56 |
| Equity capital to assets | 5.7318% | 7,897 |
| Core capital (leverage) ratio | 5.1664% | 7,912 |
| Tier 1 risk-based capital ratio | 6.8306% | 7,911 |
| Total risk-based capital ratio | 8.1114% | 7,913 |
| Memoranda: | ||
| Average total assets | $124,031,000 | 4,501 |
| Average earning assets | $102,623,500 | 4,800 |
| Average equity | $9,617,000 | 5,452 |
| Average total loans | $90,541,000 | 4,232 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5633% | 4,263 |
| Cost of funding earning assets | 2.4354% | 1,829 |
| Net interest margin | 3.1279% | 6,159 |
| Noninterest income to average assets | 1.2098% | 1,065 |
| Noninterest expense to average assets | 3.9762% | 1,356 |
| Loan and lease loss provision to assets | 2.4988% | 626 |
| Net operating income to assets | -2.6619% | 7,604 |
| Return on assets (ROA) | -2.6619% | 7,594 |
| Pretax return on assets | -2.6619% | 7,465 |
| Return on Equity (ROE) | -31.7679% | 7,741 |
| Retained earnings to average equity (ytd only) | -31.7679% | 7,716 |
| Net charge-offs to loans | 3.8320% | 381 |
| Credit loss provision to net charge-offs | 89.4051% | 4,944 |
| Earnings coverage of net charge-offs (x) | -0.0584% | 5,757 |
| Efficiency ratio | 104.2774% | 1,020 |
| Assets per employee ($millions) | 2.2404% | 7,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6980% | 752 |
| Loan loss allowance to noncurrent loans | 29.0427% | 6,562 |
| Noncurrent assets plus other real estate owned to assets | 11.2813% | 219 |
| Noncurrent loans to loans | 9.2897% | 413 |
| Net loans and leases to total assets | 66.0546% | 4,554 |
| Net loans and leases to deposits | 71.4667% | 5,815 |
| Net loans and leases to core deposits | 86.4622% | 5,854 |
| Total domestic deposits to total assets | 92.4272% | 154 |
| Equity capital to assets | 7.2627% | 7,442 |
| Core capital (leverage) ratio | 7.5018% | 7,013 |
| Tier 1 risk-based capital ratio | 9.2399% | 7,577 |
| Total risk-based capital ratio | 10.5038% | 7,562 |
| Memoranda: | ||
| Average total assets | $126,300,330 | 4,466 |
| Average earning assets | $105,118,330 | 4,753 |
| Average equity | $10,583,000 | 5,190 |
| Average total loans | $92,118,330 | 4,226 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5284% | 4,764 |
| Cost of funding earning assets | 2.5221% | 1,834 |
| Net interest margin | 3.0063% | 6,466 |
| Noninterest income to average assets | 1.2257% | 954 |
| Noninterest expense to average assets | 4.1051% | 1,056 |
| Loan and lease loss provision to assets | 1.2192% | 1,061 |
| Net operating income to assets | -1.5824% | 7,532 |
| Return on assets (ROA) | -1.5824% | 7,536 |
| Pretax return on assets | -1.5824% | 7,399 |
| Return on Equity (ROE) | -17.6261% | 7,699 |
| Retained earnings to average equity (ytd only) | -17.6261% | 7,570 |
| Net charge-offs to loans | 2.2934% | 633 |
| Credit loss provision to net charge-offs | 70.2804% | 4,347 |
| Earnings coverage of net charge-offs (x) | -0.2093% | 5,138 |
| Efficiency ratio | 109.7054% | 818 |
| Assets per employee ($millions) | 2.1198% | 7,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6424% | 657 |
| Loan loss allowance to noncurrent loans | 23.2155% | 7,005 |
| Noncurrent assets plus other real estate owned to assets | 12.8679% | 125 |
| Noncurrent loans to loans | 11.3821% | 205 |
| Net loans and leases to total assets | 72.1446% | 3,211 |
| Net loans and leases to deposits | 79.2976% | 4,725 |
| Net loans and leases to core deposits | 97.1239% | 4,838 |
| Total domestic deposits to total assets | 90.9795% | 421 |
| Equity capital to assets | 8.6535% | 5,839 |
| Core capital (leverage) ratio | 8.4193% | 5,680 |
| Tier 1 risk-based capital ratio | 10.2626% | 6,629 |
| Total risk-based capital ratio | 11.5263% | 6,540 |
| Memoranda: | ||
| Average total assets | $123,359,000 | 4,564 |
| Average earning assets | $103,249,000 | 4,828 |
| Average equity | $11,074,500 | 5,087 |
| Average total loans | $93,310,500 | 4,227 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4138% | 3,342 |
| Cost of funding earning assets | 2.8020% | 2,698 |
| Net interest margin | 3.6118% | 4,832 |
| Noninterest income to average assets | 1.3353% | 809 |
| Noninterest expense to average assets | 4.8126% | 705 |
| Loan and lease loss provision to assets | 1.5531% | 859 |
| Net operating income to assets | -1.9468% | 7,594 |
| Return on assets (ROA) | -1.9468% | 7,551 |
| Pretax return on assets | -1.9428% | 7,425 |
| Return on Equity (ROE) | -18.5151% | 7,728 |
| Retained earnings to average equity (ytd only) | -18.5151% | 7,640 |
| Net charge-offs to loans | 3.6369% | 213 |
| Credit loss provision to net charge-offs | 55.6037% | 6,280 |
| Earnings coverage of net charge-offs (x) | -0.1395% | 6,344 |
| Efficiency ratio | 108.5553% | 743 |
| Assets per employee ($millions) | 1.9309% | 7,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7762% | 525 |
| Loan loss allowance to noncurrent loans | 32.6122% | 6,547 |
| Noncurrent assets plus other real estate owned to assets | 10.0833% | 155 |
| Noncurrent loans to loans | 8.5129% | 305 |
| Net loans and leases to total assets | 75.0795% | 2,867 |
| Net loans and leases to deposits | 83.6603% | 4,472 |
| Net loans and leases to core deposits | 101.0813% | 4,713 |
| Total domestic deposits to total assets | 89.7433% | 750 |
| Equity capital to assets | 9.3105% | 4,924 |
| Core capital (leverage) ratio | 9.1030% | 4,591 |
| Tier 1 risk-based capital ratio | 10.8169% | 5,893 |
| Total risk-based capital ratio | 12.0830% | 5,782 |
| Memoranda: | ||
| Average total assets | $123,946,600 | 4,421 |
| Average earning assets | $105,959,000 | 4,615 |
| Average equity | $13,032,600 | 4,565 |
| Average total loans | $95,190,600 | 4,074 |