Home > Sea Island Bank > Performance and Condition Ratios
Sea Island 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 | 4.9176% | 5,371 |
| Cost of funding earning assets | 1.3000% | 4,812 |
| Net interest margin | 3.6176% | 4,639 |
| Noninterest income to average assets | -1.2672% | 7,908 |
| Noninterest expense to average assets | 2.4771% | 5,816 |
| Loan and lease loss provision to assets | 2.3635% | 450 |
| Net operating income to assets | -2.4095% | 7,539 |
| Return on assets (ROA) | -2.4095% | 7,545 |
| Pretax return on assets | -2.7064% | 7,548 |
| Return on Equity (ROE) | -29.1007% | 7,561 |
| Retained earnings to average equity (ytd only) | -29.1007% | 7,531 |
| Net charge-offs to loans | 3.2318% | 458 |
| Credit loss provision to net charge-offs | 90.6875% | 3,647 |
| Earnings coverage of net charge-offs (x) | -0.1316% | 5,121 |
| Efficiency ratio | 116.0658% | 496 |
| Assets per employee ($millions) | 6.5391% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9010% | 2,439 |
| Loan loss allowance to noncurrent loans | 48.7857% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 3.7364% | 1,862 |
| Noncurrent loans to loans | 3.8966% | 2,028 |
| Net loans and leases to total assets | 77.2503% | 1,288 |
| Net loans and leases to deposits | 93.3978% | 1,421 |
| Net loans and leases to core deposits | 122.3365% | 700 |
| Total domestic deposits to total assets | 82.7111% | 4,753 |
| Equity capital to assets | 8.1693% | 6,472 |
| Core capital (leverage) ratio | 8.1962% | 5,911 |
| Tier 1 risk-based capital ratio | 10.0507% | 6,995 |
| Total risk-based capital ratio | 11.3083% | 6,987 |
| Memoranda: | ||
| Average total assets | $774,612,500 | 896 |
| Average earning assets | $728,326,500 | 862 |
| Average equity | $64,136,000 | 1,038 |
| Average total loans | $624,666,000 | 735 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2778% | 5,291 |
| Cost of funding earning assets | 1.8300% | 3,838 |
| Net interest margin | 3.4478% | 5,179 |
| Noninterest income to average assets | -0.2050% | 7,860 |
| Noninterest expense to average assets | 2.3025% | 6,743 |
| Loan and lease loss provision to assets | 4.1130% | 313 |
| Net operating income to assets | -2.7707% | 7,346 |
| Return on assets (ROA) | -2.7593% | 7,354 |
| Pretax return on assets | -3.3618% | 7,386 |
| Return on Equity (ROE) | -32.9454% | 7,455 |
| Retained earnings to average equity (ytd only) | -33.5546% | 7,455 |
| Net charge-offs to loans | 4.5400% | 320 |
| Credit loss provision to net charge-offs | 105.2981% | 5,258 |
| Earnings coverage of net charge-offs (x) | 0.1887% | 5,957 |
| Efficiency ratio | 75.7469% | 3,570 |
| Assets per employee ($millions) | 6.5899% | 947 |
| Cash dividends to net income (ytd only)* | -1.8493% | 7,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8733% | 2,335 |
| Loan loss allowance to noncurrent loans | 44.4169% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 4.7282% | 1,338 |
| Noncurrent loans to loans | 4.2175% | 1,728 |
| Net loans and leases to total assets | 80.9769% | 841 |
| Net loans and leases to deposits | 97.1717% | 1,193 |
| Net loans and leases to core deposits | 128.5263% | 1,362 |
| Total domestic deposits to total assets | 83.3339% | 4,370 |
| Equity capital to assets | 8.3893% | 6,068 |
| Core capital (leverage) ratio | 8.2751% | 5,663 |
| Tier 1 risk-based capital ratio | 9.8384% | 6,993 |
| Total risk-based capital ratio | 11.0957% | 6,970 |
| Memoranda: | ||
| Average total assets | $774,108,800 | 881 |
| Average earning assets | $728,525,000 | 855 |
| Average equity | $64,834,600 | 1,021 |
| Average total loans | $666,013,400 | 702 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3292% | 5,281 |
| Cost of funding earning assets | 1.9251% | 3,745 |
| Net interest margin | 3.4041% | 5,247 |
| Noninterest income to average assets | -0.2885% | 8,011 |
| Noninterest expense to average assets | 2.2742% | 6,770 |
| Loan and lease loss provision to assets | 3.3281% | 412 |
| Net operating income to assets | -1.6147% | 7,165 |
| Return on assets (ROA) | -1.6028% | 7,155 |
| Pretax return on assets | -2.6615% | 7,407 |
| Return on Equity (ROE) | -19.1445% | 7,344 |
| Retained earnings to average equity (ytd only) | -19.9580% | 7,334 |
| Net charge-offs to loans | 2.8113% | 626 |
| Credit loss provision to net charge-offs | 136.2007% | 3,642 |
| Earnings coverage of net charge-offs (x) | 0.2652% | 5,750 |
| Efficiency ratio | 77.8250% | 3,192 |
| Assets per employee ($millions) | 6.6519% | 921 |
| Cash dividends to net income (ytd only)* | -4.2496% | 7,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3131% | 1,279 |
| Loan loss allowance to noncurrent loans | 75.1559% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 2.8262% | 2,457 |
| Noncurrent loans to loans | 3.0778% | 2,458 |
| Net loans and leases to total assets | 82.9554% | 670 |
| Net loans and leases to deposits | 99.1080% | 1,203 |
| Net loans and leases to core deposits | 131.8783% | 1,331 |
| Total domestic deposits to total assets | 83.7020% | 3,858 |
| Equity capital to assets | 8.0626% | 6,785 |
| Core capital (leverage) ratio | 7.9954% | 6,366 |
| Tier 1 risk-based capital ratio | 9.2779% | 7,500 |
| Total risk-based capital ratio | 10.5409% | 7,488 |
| Memoranda: | ||
| Average total assets | $773,233,750 | 897 |
| Average earning assets | $729,292,500 | 866 |
| Average equity | $64,734,250 | 1,036 |
| Average total loans | $672,090,500 | 713 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3306% | 5,496 |
| Cost of funding earning assets | 2.0505% | 3,513 |
| Net interest margin | 3.2801% | 5,624 |
| Noninterest income to average assets | -0.2983% | 8,093 |
| Noninterest expense to average assets | 2.2664% | 6,860 |
| Loan and lease loss provision to assets | 3.1338% | 478 |
| Net operating income to assets | -1.5695% | 7,279 |
| Return on assets (ROA) | -1.5695% | 7,285 |
| Pretax return on assets | -2.6090% | 7,449 |
| Return on Equity (ROE) | -18.5122% | 7,468 |
| Retained earnings to average equity (ytd only) | -18.5122% | 7,407 |
| Net charge-offs to loans | 2.4852% | 700 |
| Credit loss provision to net charge-offs | 143.9349% | 3,218 |
| Earnings coverage of net charge-offs (x) | 0.2410% | 5,430 |
| Efficiency ratio | 81.1975% | 2,853 |
| Assets per employee ($millions) | 6.3382% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0605% | 1,464 |
| Loan loss allowance to noncurrent loans | 77.3726% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 2.7983% | 2,301 |
| Noncurrent loans to loans | 2.6631% | 2,709 |
| Net loans and leases to total assets | 87.3148% | 283 |
| Net loans and leases to deposits | 106.9436% | 710 |
| Net loans and leases to core deposits | 146.6576% | 735 |
| Total domestic deposits to total assets | 81.6456% | 4,839 |
| Equity capital to assets | 8.1394% | 6,580 |
| Core capital (leverage) ratio | 8.0771% | 6,205 |
| Tier 1 risk-based capital ratio | 8.9421% | 7,727 |
| Total risk-based capital ratio | 10.2020% | 7,752 |
| Memoranda: | ||
| Average total assets | $767,118,000 | 920 |
| Average earning assets | $722,548,330 | 886 |
| Average equity | $65,038,330 | 1,043 |
| Average total loans | $672,051,330 | 736 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2839% | 5,956 |
| Cost of funding earning assets | 2.1887% | 3,222 |
| Net interest margin | 3.0952% | 6,212 |
| Noninterest income to average assets | 0.0292% | 7,932 |
| Noninterest expense to average assets | 2.8680% | 4,266 |
| Loan and lease loss provision to assets | 1.6298% | 765 |
| Net operating income to assets | -0.9171% | 7,206 |
| Return on assets (ROA) | -0.9171% | 7,230 |
| Pretax return on assets | -1.5547% | 7,389 |
| Return on Equity (ROE) | -10.6050% | 7,402 |
| Retained earnings to average equity (ytd only) | -10.6050% | 7,166 |
| Net charge-offs to loans | 2.7156% | 489 |
| Credit loss provision to net charge-offs | 69.1134% | 4,371 |
| Earnings coverage of net charge-offs (x) | 0.0318% | 4,951 |
| Efficiency ratio | 97.4491% | 1,241 |
| Assets per employee ($millions) | 6.0225% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 3,738 |
| Loan loss allowance to noncurrent loans | 58.1539% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 2.6145% | 2,193 |
| Noncurrent loans to loans | 2.3375% | 2,813 |
| Net loans and leases to total assets | 86.9662% | 339 |
| Net loans and leases to deposits | 105.0346% | 939 |
| Net loans and leases to core deposits | 146.4980% | 835 |
| Total domestic deposits to total assets | 82.7977% | 4,246 |
| Equity capital to assets | 8.6884% | 5,783 |
| Core capital (leverage) ratio | 8.4757% | 5,587 |
| Tier 1 risk-based capital ratio | 9.1736% | 7,687 |
| Total risk-based capital ratio | 10.4268% | 7,677 |
| Memoranda: | ||
| Average total assets | $767,215,500 | 912 |
| Average earning assets | $722,269,500 | 885 |
| Average equity | $66,346,000 | 1,016 |
| Average total loans | $666,214,500 | 745 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3085% | 3,920 |
| Cost of funding earning assets | 2.9157% | 2,195 |
| Net interest margin | 3.3928% | 5,686 |
| Noninterest income to average assets | 0.5072% | 4,562 |
| Noninterest expense to average assets | 2.1113% | 7,209 |
| Loan and lease loss provision to assets | 1.1062% | 1,311 |
| Net operating income to assets | 0.3196% | 5,480 |
| Return on assets (ROA) | 0.3196% | 5,301 |
| Pretax return on assets | 0.4804% | 5,034 |
| Return on Equity (ROE) | 3.7489% | 4,920 |
| Retained earnings to average equity (ytd only) | -0.4174% | 5,412 |
| Net charge-offs to loans | 0.8674% | 1,443 |
| Credit loss provision to net charge-offs | 145.7468% | 3,621 |
| Earnings coverage of net charge-offs (x) | 2.0904% | 5,031 |
| Efficiency ratio | 57.0950% | 6,854 |
| Assets per employee ($millions) | 6.0125% | 1,130 |
| Cash dividends to net income (ytd only)* | 111.1345% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5581% | 2,412 |
| Loan loss allowance to noncurrent loans | 58.1580% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 2.6485% | 1,806 |
| Noncurrent loans to loans | 2.6790% | 2,021 |
| Net loans and leases to total assets | 84.2221% | 854 |
| Net loans and leases to deposits | 101.3176% | 1,668 |
| Net loans and leases to core deposits | 140.6705% | 1,232 |
| Total domestic deposits to total assets | 83.1268% | 3,715 |
| Equity capital to assets | 8.6084% | 5,924 |
| Core capital (leverage) ratio | 8.3640% | 5,828 |
| Tier 1 risk-based capital ratio | 9.2528% | 7,569 |
| Total risk-based capital ratio | 10.5059% | 7,504 |
| Memoranda: | ||
| Average total assets | $741,902,600 | 903 |
| Average earning assets | $697,704,200 | 875 |
| Average equity | $63,245,000 | 1,059 |
| Average total loans | $649,194,000 | 735 |