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Old Southern 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 | 5.1265% | 5,975 |
| Cost of funding earning assets | 2.8969% | 310 |
| Net interest margin | 2.2296% | 7,632 |
| Noninterest income to average assets | 0.2218% | 6,525 |
| Noninterest expense to average assets | 3.6730% | 1,975 |
| Loan and lease loss provision to assets | 7.8913% | 47 |
| Net operating income to assets | -8.9264% | 7,957 |
| Return on assets (ROA) | -8.8893% | 7,958 |
| Pretax return on assets | -9.3226% | 7,957 |
| Return on Equity (ROE) | -106.2960% | 7,945 |
| Retained earnings to average equity (ytd only) | -106.2960% | 7,944 |
| Net charge-offs to loans | 4.8909% | 277 |
| Credit loss provision to net charge-offs | 215.0067% | 1,778 |
| Earnings coverage of net charge-offs (x) | -0.4006% | 6,629 |
| Efficiency ratio | 166.7576% | 234 |
| Assets per employee ($millions) | 5.4256% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5688% | 48 |
| Loan loss allowance to noncurrent loans | 54.6325% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 13.5943% | 181 |
| Noncurrent loans to loans | 13.8540% | 212 |
| Net loans and leases to total assets | 75.5876% | 1,904 |
| Net loans and leases to deposits | 79.5222% | 4,085 |
| Net loans and leases to core deposits | 115.9362% | 2,328 |
| Total domestic deposits to total assets | 95.0522% | 51 |
| Equity capital to assets | 2.6814% | 7,931 |
| Core capital (leverage) ratio | 0.5982% | 7,991 |
| Tier 1 risk-based capital ratio | 0.7537% | 7,992 |
| Total risk-based capital ratio | 1.5073% | 7,992 |
| Memoranda: | ||
| Average total assets | $366,023,400 | 1,855 |
| Average earning assets | $325,175,800 | 1,914 |
| Average equity | $30,609,800 | 2,188 |
| Average total loans | $274,674,000 | 1,753 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1239% | 6,191 |
| Cost of funding earning assets | 2.9476% | 384 |
| Net interest margin | 2.1763% | 7,721 |
| Noninterest income to average assets | 0.2067% | 6,746 |
| Noninterest expense to average assets | 2.5436% | 5,921 |
| Loan and lease loss provision to assets | 3.1723% | 440 |
| Net operating income to assets | -2.1724% | 7,374 |
| Return on assets (ROA) | -2.1487% | 7,362 |
| Pretax return on assets | -3.5347% | 7,615 |
| Return on Equity (ROE) | -22.2838% | 7,452 |
| Retained earnings to average equity (ytd only) | -22.2838% | 7,421 |
| Net charge-offs to loans | 1.4990% | 1,367 |
| Credit loss provision to net charge-offs | 287.8199% | 1,444 |
| Earnings coverage of net charge-offs (x) | -0.3625% | 6,396 |
| Efficiency ratio | 118.6345% | 612 |
| Assets per employee ($millions) | 6.1876% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8847% | 320 |
| Loan loss allowance to noncurrent loans | 26.9581% | 6,665 |
| Noncurrent assets plus other real estate owned to assets | 12.6723% | 196 |
| Noncurrent loans to loans | 14.4101% | 165 |
| Net loans and leases to total assets | 72.0336% | 3,032 |
| Net loans and leases to deposits | 79.5841% | 4,460 |
| Net loans and leases to core deposits | 106.6051% | 3,631 |
| Total domestic deposits to total assets | 90.5125% | 589 |
| Equity capital to assets | 9.2565% | 5,084 |
| Core capital (leverage) ratio | 6.9539% | 7,461 |
| Tier 1 risk-based capital ratio | 8.7901% | 7,684 |
| Total risk-based capital ratio | 10.0704% | 7,704 |
| Memoranda: | ||
| Average total assets | $373,431,750 | 1,841 |
| Average earning assets | $332,423,750 | 1,888 |
| Average equity | $36,007,250 | 1,890 |
| Average total loans | $274,570,000 | 1,771 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0354% | 6,661 |
| Cost of funding earning assets | 3.0668% | 391 |
| Net interest margin | 1.9686% | 7,879 |
| Noninterest income to average assets | 0.1946% | 6,901 |
| Noninterest expense to average assets | 2.4647% | 6,244 |
| Loan and lease loss provision to assets | 4.1780% | 285 |
| Net operating income to assets | -2.8490% | 7,641 |
| Return on assets (ROA) | -2.8192% | 7,630 |
| Pretax return on assets | -4.6401% | 7,823 |
| Return on Equity (ROE) | -28.8395% | 7,694 |
| Retained earnings to average equity (ytd only) | -28.8395% | 7,669 |
| Net charge-offs to loans | 2.0566% | 902 |
| Credit loss provision to net charge-offs | 278.1576% | 1,680 |
| Earnings coverage of net charge-offs (x) | -0.3386% | 5,985 |
| Efficiency ratio | 126.0017% | 572 |
| Assets per employee ($millions) | 6.2517% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6541% | 334 |
| Loan loss allowance to noncurrent loans | 33.5806% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 9.2382% | 359 |
| Noncurrent loans to loans | 10.8817% | 287 |
| Net loans and leases to total assets | 66.9671% | 4,361 |
| Net loans and leases to deposits | 73.5615% | 5,527 |
| Net loans and leases to core deposits | 92.5416% | 5,290 |
| Total domestic deposits to total assets | 91.0355% | 442 |
| Equity capital to assets | 8.7575% | 5,670 |
| Core capital (leverage) ratio | 7.4236% | 7,110 |
| Tier 1 risk-based capital ratio | 8.7446% | 7,802 |
| Total risk-based capital ratio | 10.0175% | 7,840 |
| Memoranda: | ||
| Average total assets | $370,031,670 | 1,880 |
| Average earning assets | $331,093,670 | 1,909 |
| Average equity | $36,172,670 | 1,885 |
| Average total loans | $270,255,670 | 1,821 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0961% | 6,653 |
| Cost of funding earning assets | 3.0170% | 582 |
| Net interest margin | 2.0790% | 7,863 |
| Noninterest income to average assets | 0.1785% | 7,025 |
| Noninterest expense to average assets | 3.2649% | 2,753 |
| Loan and lease loss provision to assets | 7.3164% | 86 |
| Net operating income to assets | -5.3220% | 8,062 |
| Return on assets (ROA) | -5.3213% | 8,055 |
| Pretax return on assets | -8.5396% | 8,130 |
| Return on Equity (ROE) | -51.3472% | 8,053 |
| Retained earnings to average equity (ytd only) | -51.3472% | 8,036 |
| Net charge-offs to loans | 3.9779% | 304 |
| Credit loss provision to net charge-offs | 244.9943% | 1,906 |
| Earnings coverage of net charge-offs (x) | -0.4100% | 5,220 |
| Efficiency ratio | 160.0000% | 307 |
| Assets per employee ($millions) | 5.7439% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3559% | 354 |
| Loan loss allowance to noncurrent loans | 35.5428% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 8.2094% | 349 |
| Noncurrent loans to loans | 9.4419% | 327 |
| Net loans and leases to total assets | 70.8092% | 3,516 |
| Net loans and leases to deposits | 78.9452% | 4,780 |
| Net loans and leases to core deposits | 98.3366% | 4,711 |
| Total domestic deposits to total assets | 89.6941% | 935 |
| Equity capital to assets | 10.0061% | 4,000 |
| Core capital (leverage) ratio | 8.5278% | 5,478 |
| Tier 1 risk-based capital ratio | 9.2807% | 7,605 |
| Total risk-based capital ratio | 10.5527% | 7,562 |
| Memoranda: | ||
| Average total assets | $351,868,500 | 1,974 |
| Average earning assets | $315,146,000 | 2,031 |
| Average equity | $36,465,500 | 1,875 |
| Average total loans | $264,160,000 | 1,875 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2202% | 4,413 |
| Cost of funding earning assets | 3.1405% | 1,381 |
| Net interest margin | 3.0797% | 6,708 |
| Noninterest income to average assets | 0.1033% | 7,619 |
| Noninterest expense to average assets | 3.7842% | 1,783 |
| Loan and lease loss provision to assets | 1.5851% | 834 |
| Net operating income to assets | -1.5695% | 7,495 |
| Return on assets (ROA) | -1.4945% | 7,408 |
| Pretax return on assets | -2.3926% | 7,561 |
| Return on Equity (ROE) | -11.1336% | 7,354 |
| Retained earnings to average equity (ytd only) | -11.1336% | 7,168 |
| Net charge-offs to loans | 0.8202% | 1,528 |
| Credit loss provision to net charge-offs | 251.9403% | 1,844 |
| Earnings coverage of net charge-offs (x) | -1.4699% | 6,658 |
| Efficiency ratio | 132.3394% | 447 |
| Assets per employee ($millions) | 5.2442% | 1,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1082% | 1,061 |
| Loan loss allowance to noncurrent loans | 132.8798% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 2.2353% | 2,182 |
| Noncurrent loans to loans | 1.5865% | 3,396 |
| Net loans and leases to total assets | 75.4881% | 2,766 |
| Net loans and leases to deposits | 84.7721% | 4,296 |
| Net loans and leases to core deposits | 102.0730% | 4,600 |
| Total domestic deposits to total assets | 89.0483% | 1,026 |
| Equity capital to assets | 10.7671% | 3,235 |
| Core capital (leverage) ratio | 9.9850% | 3,462 |
| Tier 1 risk-based capital ratio | 9.9422% | 6,804 |
| Total risk-based capital ratio | 11.1995% | 6,684 |
| Memoranda: | ||
| Average total assets | $266,236,000 | 2,409 |
| Average earning assets | $238,271,400 | 2,470 |
| Average equity | $35,738,800 | 1,883 |
| Average total loans | $204,206,600 | 2,258 |