Home > Security Bank of Bibb County > Performance and Condition Ratios
Security Bank of Bibb County, Performance and Condition Ratios
| 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 | 4.7174% | 7,365 |
| Cost of funding earning assets | 3.3271% | 189 |
| Net interest margin | 1.3903% | 8,044 |
| Noninterest income to average assets | -0.0186% | 7,989 |
| Noninterest expense to average assets | 2.9392% | 4,337 |
| Loan and lease loss provision to assets | 4.9897% | 206 |
| Net operating income to assets | -6.8311% | 8,042 |
| Return on assets (ROA) | -6.7214% | 8,026 |
| Pretax return on assets | -6.5959% | 7,991 |
| Return on Equity (ROE) | -157.0920% | 8,130 |
| Retained earnings to average equity (ytd only) | -157.0920% | 8,128 |
| Net charge-offs to loans | 5.4923% | 210 |
| Credit loss provision to net charge-offs | 114.9570% | 4,030 |
| Earnings coverage of net charge-offs (x) | -0.3953% | 6,016 |
| Efficiency ratio | 236.8321% | 134 |
| Assets per employee ($millions) | 5.0739% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3617% | 194 |
| Loan loss allowance to noncurrent loans | 21.9364% | 7,017 |
| Noncurrent assets plus other real estate owned to assets | 22.7404% | 29 |
| Noncurrent loans to loans | 19.8832% | 55 |
| Net loans and leases to total assets | 79.5025% | 1,402 |
| Net loans and leases to deposits | 90.2414% | 2,797 |
| Net loans and leases to core deposits | 158.5380% | 477 |
| Total domestic deposits to total assets | 88.0998% | 1,712 |
| Equity capital to assets | 2.4910% | 8,134 |
| Core capital (leverage) ratio | 1.8631% | 8,148 |
| Tier 1 risk-based capital ratio | 2.4266% | 8,148 |
| Total risk-based capital ratio | 3.7115% | 8,149 |
| Memoranda: | ||
| Average total assets | $1,119,820,330 | 615 |
| Average earning assets | $1,000,391,000 | 625 |
| Average equity | $47,913,330 | 1,437 |
| Average total loans | $884,985,670 | 565 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8096% | 7,356 |
| Cost of funding earning assets | 3.2348% | 311 |
| Net interest margin | 1.5747% | 8,042 |
| Noninterest income to average assets | 0.2659% | 6,316 |
| Noninterest expense to average assets | 2.1582% | 6,984 |
| Loan and lease loss provision to assets | 0.5279% | 2,359 |
| Net operating income to assets | -1.2303% | 7,380 |
| Return on assets (ROA) | -1.0379% | 7,290 |
| Pretax return on assets | -0.8051% | 7,038 |
| Return on Equity (ROE) | -20.8532% | 7,772 |
| Retained earnings to average equity (ytd only) | -20.8532% | 7,670 |
| Net charge-offs to loans | 2.8336% | 459 |
| Credit loss provision to net charge-offs | 24.0604% | 5,025 |
| Earnings coverage of net charge-offs (x) | -0.2140% | 5,141 |
| Efficiency ratio | 125.5148% | 559 |
| Assets per employee ($millions) | 8.6421% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8785% | 544 |
| Loan loss allowance to noncurrent loans | 23.9451% | 6,964 |
| Noncurrent assets plus other real estate owned to assets | 12.8359% | 126 |
| Noncurrent loans to loans | 12.0211% | 176 |
| Net loans and leases to total assets | 75.8791% | 2,295 |
| Net loans and leases to deposits | 89.4519% | 3,023 |
| Net loans and leases to core deposits | 169.5481% | 354 |
| Total domestic deposits to total assets | 84.8268% | 3,290 |
| Equity capital to assets | 4.9327% | 8,120 |
| Core capital (leverage) ratio | 4.4786% | 8,151 |
| Tier 1 risk-based capital ratio | 5.5908% | 8,157 |
| Total risk-based capital ratio | 6.8590% | 8,159 |
| Memoranda: | ||
| Average total assets | $1,207,858,500 | 586 |
| Average earning assets | $1,091,245,500 | 582 |
| Average equity | $60,115,500 | 1,143 |
| Average total loans | $935,219,500 | 541 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1646% | 4,699 |
| Cost of funding earning assets | 3.5384% | 470 |
| Net interest margin | 2.6262% | 7,611 |
| Noninterest income to average assets | 0.4937% | 4,655 |
| Noninterest expense to average assets | 5.7351% | 455 |
| Loan and lease loss provision to assets | 5.7442% | 67 |
| Net operating income to assets | -8.1394% | 8,225 |
| Return on assets (ROA) | -8.0087% | 8,217 |
| Pretax return on assets | -8.5734% | 8,218 |
| Return on Equity (ROE) | -93.2261% | 8,267 |
| Retained earnings to average equity (ytd only) | -93.2261% | 8,263 |
| Net charge-offs to loans | 5.8101% | 65 |
| Credit loss provision to net charge-offs | 128.6933% | 4,143 |
| Earnings coverage of net charge-offs (x) | -0.6654% | 6,529 |
| Efficiency ratio | 88.9496% | 1,588 |
| Assets per employee ($millions) | 8.9909% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3485% | 317 |
| Loan loss allowance to noncurrent loans | 34.7215% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 10.4370% | 141 |
| Noncurrent loans to loans | 9.6440% | 227 |
| Net loans and leases to total assets | 74.1848% | 3,065 |
| Net loans and leases to deposits | 88.0176% | 3,803 |
| Net loans and leases to core deposits | 169.7205% | 405 |
| Total domestic deposits to total assets | 84.2841% | 3,186 |
| Equity capital to assets | 5.0196% | 8,186 |
| Core capital (leverage) ratio | 4.6207% | 8,235 |
| Tier 1 risk-based capital ratio | 5.8340% | 8,236 |
| Total risk-based capital ratio | 7.1081% | 8,238 |
| Memoranda: | ||
| Average total assets | $1,297,870,600 | 523 |
| Average earning assets | $1,122,622,200 | 544 |
| Average equity | $111,495,600 | 604 |
| Average total loans | $997,065,200 | 494 |