Home > Satilla Community Bank > Performance and Condition Ratios
Satilla Community Bank, Performance and Condition Ratios
| 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 | 4.7146% | 6,197 |
| Cost of funding earning assets | 3.4359% | 17 |
| Net interest margin | 1.2787% | 7,858 |
| Noninterest income to average assets | -2.2883% | 7,926 |
| Noninterest expense to average assets | 2.3536% | 6,236 |
| Loan and lease loss provision to assets | 8.1056% | 56 |
| Net operating income to assets | -11.6772% | 7,911 |
| Return on assets (ROA) | -11.3678% | 7,910 |
| Pretax return on assets | -11.3678% | 7,905 |
| Return on Equity (ROE) | -501.5972% | 7,920 |
| Retained earnings to average equity (ytd only) | -501.5972% | 7,920 |
| Net charge-offs to loans | 7.5383% | 113 |
| Credit loss provision to net charge-offs | 154.1577% | 2,320 |
| Earnings coverage of net charge-offs (x) | -0.6793% | 5,338 |
| Efficiency ratio | -193.2401% | 7,927 |
| Assets per employee ($millions) | 8.4805% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7098% | 119 |
| Loan loss allowance to noncurrent loans | 31.3655% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 16.1591% | 113 |
| Noncurrent loans to loans | 18.2039% | 104 |
| Net loans and leases to total assets | 67.1202% | 3,598 |
| Net loans and leases to deposits | 67.9631% | 5,596 |
| Net loans and leases to core deposits | 108.8204% | 1,364 |
| Total domestic deposits to total assets | 98.7597% | 12 |
| Equity capital to assets | 0.8667% | 7,910 |
| Core capital (leverage) ratio | 0.8235% | 7,910 |
| Tier 1 risk-based capital ratio | 1.2382% | 7,909 |
| Total risk-based capital ratio | 2.4763% | 7,909 |
| Memoranda: | ||
| Average total assets | $140,889,500 | 4,177 |
| Average earning assets | $117,931,500 | 4,425 |
| Average equity | $3,193,000 | 7,439 |
| Average total loans | $98,271,000 | 4,008 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5356% | 3,952 |
| Cost of funding earning assets | 3.7332% | 19 |
| Net interest margin | 1.8024% | 7,803 |
| Noninterest income to average assets | 0.0530% | 7,492 |
| Noninterest expense to average assets | 2.0704% | 7,245 |
| Loan and lease loss provision to assets | 3.9627% | 348 |
| Net operating income to assets | -4.1338% | 7,626 |
| Return on assets (ROA) | -4.3258% | 7,654 |
| Pretax return on assets | -4.6447% | 7,659 |
| Return on Equity (ROE) | -67.8774% | 7,798 |
| Retained earnings to average equity (ytd only) | -67.8774% | 7,795 |
| Net charge-offs to loans | 4.9520% | 271 |
| Credit loss provision to net charge-offs | 115.5801% | 4,713 |
| Earnings coverage of net charge-offs (x) | -0.1387% | 6,373 |
| Efficiency ratio | 129.8100% | 480 |
| Assets per employee ($millions) | 7.6890% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5141% | 247 |
| Loan loss allowance to noncurrent loans | 29.9582% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 13.8681% | 173 |
| Noncurrent loans to loans | 15.0681% | 173 |
| Net loans and leases to total assets | 65.3298% | 4,316 |
| Net loans and leases to deposits | 68.0152% | 5,826 |
| Net loans and leases to core deposits | 83.1744% | 5,802 |
| Total domestic deposits to total assets | 96.0518% | 35 |
| Equity capital to assets | 3.5663% | 7,884 |
| Core capital (leverage) ratio | 3.3508% | 7,891 |
| Tier 1 risk-based capital ratio | 5.2170% | 7,858 |
| Total risk-based capital ratio | 6.4774% | 7,858 |
| Memoranda: | ||
| Average total assets | $158,375,200 | 3,803 |
| Average earning assets | $135,486,000 | 3,988 |
| Average equity | $10,093,200 | 5,270 |
| Average total loans | $109,653,400 | 3,705 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7187% | 3,249 |
| Cost of funding earning assets | 3.5734% | 51 |
| Net interest margin | 2.1454% | 7,737 |
| Noninterest income to average assets | -0.3758% | 8,027 |
| Noninterest expense to average assets | 1.9300% | 7,494 |
| Loan and lease loss provision to assets | 1.8788% | 978 |
| Net operating income to assets | -2.3528% | 7,430 |
| Return on assets (ROA) | -2.3528% | 7,420 |
| Pretax return on assets | -2.3371% | 7,293 |
| Return on Equity (ROE) | -33.5741% | 7,673 |
| Retained earnings to average equity (ytd only) | -33.5741% | 7,666 |
| Net charge-offs to loans | 3.3607% | 459 |
| Credit loss provision to net charge-offs | 80.5310% | 5,747 |
| Earnings coverage of net charge-offs (x) | -0.1965% | 6,287 |
| Efficiency ratio | 131.1448% | 462 |
| Assets per employee ($millions) | 8.3286% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9623% | 684 |
| Loan loss allowance to noncurrent loans | 60.9708% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 6.3365% | 812 |
| Noncurrent loans to loans | 4.8585% | 1,392 |
| Net loans and leases to total assets | 64.4831% | 4,756 |
| Net loans and leases to deposits | 68.8069% | 6,053 |
| Net loans and leases to core deposits | 79.5919% | 6,388 |
| Total domestic deposits to total assets | 93.7160% | 61 |
| Equity capital to assets | 5.8682% | 7,880 |
| Core capital (leverage) ratio | 5.3605% | 7,894 |
| Tier 1 risk-based capital ratio | 8.3948% | 7,747 |
| Total risk-based capital ratio | 9.6001% | 7,770 |
| Memoranda: | ||
| Average total assets | $161,446,250 | 3,772 |
| Average earning assets | $139,025,500 | 3,951 |
| Average equity | $11,314,000 | 4,977 |
| Average total loans | $112,078,500 | 3,684 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8276% | 2,912 |
| Cost of funding earning assets | 3.5829% | 80 |
| Net interest margin | 2.2447% | 7,721 |
| Noninterest income to average assets | -0.0197% | 7,990 |
| Noninterest expense to average assets | 1.8915% | 7,637 |
| Loan and lease loss provision to assets | 0.0246% | 6,989 |
| Net operating income to assets | -0.0382% | 5,907 |
| Return on assets (ROA) | -0.6535% | 6,715 |
| Pretax return on assets | -0.6313% | 6,552 |
| Return on Equity (ROE) | -8.8574% | 6,958 |
| Retained earnings to average equity (ytd only) | -8.8574% | 6,760 |
| Net charge-offs to loans | 2.4898% | 697 |
| Credit loss provision to net charge-offs | 1.4045% | 6,233 |
| Earnings coverage of net charge-offs (x) | 0.0049% | 5,685 |
| Efficiency ratio | 99.5466% | 1,197 |
| Assets per employee ($millions) | 8.3938% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0346% | 1,505 |
| Loan loss allowance to noncurrent loans | 42.7518% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 4.8412% | 1,128 |
| Noncurrent loans to loans | 4.7591% | 1,320 |
| Net loans and leases to total assets | 58.9796% | 5,846 |
| Net loans and leases to deposits | 63.1382% | 6,642 |
| Net loans and leases to core deposits | 73.0021% | 6,842 |
| Total domestic deposits to total assets | 93.4134% | 80 |
| Equity capital to assets | 6.2405% | 7,886 |
| Core capital (leverage) ratio | 6.4290% | 7,829 |
| Tier 1 risk-based capital ratio | 9.4862% | 7,397 |
| Total risk-based capital ratio | 10.6358% | 7,456 |
| Memoranda: | ||
| Average total assets | $162,514,000 | 3,770 |
| Average earning assets | $138,993,670 | 3,969 |
| Average equity | $11,990,000 | 4,814 |
| Average total loans | $114,386,330 | 3,665 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0790% | 2,029 |
| Cost of funding earning assets | 3.3857% | 209 |
| Net interest margin | 2.6933% | 7,219 |
| Noninterest income to average assets | -0.1558% | 8,150 |
| Noninterest expense to average assets | 2.0180% | 7,315 |
| Loan and lease loss provision to assets | 0.2641% | 3,846 |
| Net operating income to assets | -0.0740% | 6,368 |
| Return on assets (ROA) | -0.0740% | 6,485 |
| Pretax return on assets | -0.0238% | 6,408 |
| Return on Equity (ROE) | -0.9163% | 6,527 |
| Retained earnings to average equity (ytd only) | -0.9163% | 5,868 |
| Net charge-offs to loans | 2.5243% | 553 |
| Credit loss provision to net charge-offs | 13.6612% | 5,156 |
| Earnings coverage of net charge-offs (x) | 0.1243% | 4,874 |
| Efficiency ratio | 89.3567% | 1,771 |
| Assets per employee ($millions) | 7.8172% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6446% | 653 |
| Loan loss allowance to noncurrent loans | 65.8489% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 4.8751% | 947 |
| Noncurrent loans to loans | 4.0161% | 1,496 |
| Net loans and leases to total assets | 71.4162% | 3,371 |
| Net loans and leases to deposits | 83.4080% | 4,073 |
| Net loans and leases to core deposits | 99.7285% | 4,560 |
| Total domestic deposits to total assets | 85.6227% | 2,910 |
| Equity capital to assets | 7.7739% | 7,103 |
| Core capital (leverage) ratio | 8.0668% | 6,353 |
| Tier 1 risk-based capital ratio | 9.6196% | 7,319 |
| Total risk-based capital ratio | 10.7710% | 7,357 |
| Memoranda: | ||
| Average total assets | $151,439,000 | 3,986 |
| Average earning assets | $135,745,500 | 4,038 |
| Average equity | $12,223,000 | 4,779 |
| Average total loans | $115,991,500 | 3,656 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5252% | 2,841 |
| Cost of funding earning assets | 3.7107% | 257 |
| Net interest margin | 2.8145% | 7,305 |
| Noninterest income to average assets | 0.6192% | 3,720 |
| Noninterest expense to average assets | 2.1729% | 7,043 |
| Loan and lease loss provision to assets | 2.7863% | 340 |
| Net operating income to assets | -1.5306% | 7,475 |
| Return on assets (ROA) | -1.5306% | 7,422 |
| Pretax return on assets | -1.6486% | 7,320 |
| Return on Equity (ROE) | -16.4322% | 7,643 |
| Retained earnings to average equity (ytd only) | -16.6869% | 7,556 |
| Net charge-offs to loans | 1.4018% | 839 |
| Credit loss provision to net charge-offs | 252.8796% | 1,839 |
| Earnings coverage of net charge-offs (x) | 1.0326% | 5,614 |
| Efficiency ratio | 65.6341% | 5,202 |
| Assets per employee ($millions) | 7.7123% | 512 |
| Cash dividends to net income (ytd only)* | -1.5494% | 7,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1255% | 393 |
| Loan loss allowance to noncurrent loans | 105.0731% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 4.5573% | 818 |
| Noncurrent loans to loans | 2.9746% | 1,806 |
| Net loans and leases to total assets | 77.5445% | 2,253 |
| Net loans and leases to deposits | 85.1421% | 4,235 |
| Net loans and leases to core deposits | 100.3878% | 4,788 |
| Total domestic deposits to total assets | 91.0765% | 307 |
| Equity capital to assets | 8.3885% | 6,277 |
| Core capital (leverage) ratio | 7.8813% | 6,682 |
| Tier 1 risk-based capital ratio | 9.6266% | 7,177 |
| Total risk-based capital ratio | 10.8027% | 7,163 |
| Memoranda: | ||
| Average total assets | $156,013,800 | 3,785 |
| Average earning assets | $149,190,200 | 3,672 |
| Average equity | $14,532,400 | 4,232 |
| Average total loans | $122,629,400 | 3,409 |