Home > Security Bank of Gwinnett County > Performance and Condition Ratios
Security Bank of Gwinnett 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 | 2.2310% | 8,115 |
| Cost of funding earning assets | 4.6326% | 6 |
| Net interest margin | -2.4015% | 8,194 |
| Noninterest income to average assets | -2.3406% | 8,179 |
| Noninterest expense to average assets | 2.8124% | 4,907 |
| Loan and lease loss provision to assets | 14.3930% | 12 |
| Net operating income to assets | -21.6093% | 8,178 |
| Return on assets (ROA) | -21.4529% | 8,176 |
| Pretax return on assets | -21.3656% | 8,176 |
| Return on Equity (ROE) | 4,208.2507% | 2 |
| Retained earnings to average equity (ytd only) | 4,208.2507% | 2 |
| Net charge-offs to loans | 21.1526% | 9 |
| Credit loss provision to net charge-offs | 102.5467% | 4,460 |
| Earnings coverage of net charge-offs (x) | -0.5079% | 6,076 |
| Efficiency ratio | -64.4205% | 8,173 |
| Assets per employee ($millions) | 14.3990% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3477% | 67 |
| Loan loss allowance to noncurrent loans | 14.4201% | 7,380 |
| Noncurrent assets plus other real estate owned to assets | 48.8907% | 2 |
| Noncurrent loans to loans | 44.0197% | 7 |
| Net loans and leases to total assets | 64.6661% | 4,844 |
| Net loans and leases to deposits | 65.3224% | 6,452 |
| Net loans and leases to core deposits | 122.9401% | 2,115 |
| Total domestic deposits to total assets | 98.9953% | 13 |
| Equity capital to assets | -8.0569% | 8,192 |
| Core capital (leverage) ratio | -7.1927% | 8,192 |
| Tier 1 risk-based capital ratio | -10.6804% | 8,193 |
| Total risk-based capital ratio | -10.6804% | 8,193 |
| Memoranda: | ||
| Average total assets | $309,413,330 | 2,204 |
| Average earning assets | $254,589,670 | 2,401 |
| Average equity | $-1,577,330 | 8,193 |
| Average total loans | $205,308,000 | 2,288 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6084% | 8,164 |
| Cost of funding earning assets | 4.5723% | 7 |
| Net interest margin | -1.9638% | 8,246 |
| Noninterest income to average assets | -0.9889% | 8,213 |
| Noninterest expense to average assets | 2.1415% | 7,029 |
| Loan and lease loss provision to assets | 5.5947% | 138 |
| Net operating income to assets | -10.5378% | 8,176 |
| Return on assets (ROA) | -10.1851% | 8,166 |
| Pretax return on assets | -10.0224% | 8,152 |
| Return on Equity (ROE) | -421.9443% | 8,229 |
| Retained earnings to average equity (ytd only) | -421.9443% | 8,229 |
| Net charge-offs to loans | 9.2292% | 70 |
| Credit loss provision to net charge-offs | 92.8189% | 3,950 |
| Earnings coverage of net charge-offs (x) | -0.7931% | 5,323 |
| Efficiency ratio | -80.0634% | 8,228 |
| Assets per employee ($millions) | 20.1434% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9647% | 113 |
| Loan loss allowance to noncurrent loans | 15.3283% | 7,389 |
| Noncurrent assets plus other real estate owned to assets | 34.1377% | 6 |
| Noncurrent loans to loans | 32.3892% | 13 |
| Net loans and leases to total assets | 62.0363% | 5,318 |
| Net loans and leases to deposits | 68.4318% | 6,140 |
| Net loans and leases to core deposits | 143.2615% | 959 |
| Total domestic deposits to total assets | 90.6542% | 537 |
| Equity capital to assets | 1.1812% | 8,230 |
| Core capital (leverage) ratio | 1.1151% | 8,232 |
| Tier 1 risk-based capital ratio | 1.5018% | 8,231 |
| Total risk-based capital ratio | 2.7875% | 8,232 |
| Memoranda: | ||
| Average total assets | $334,529,000 | 2,082 |
| Average earning assets | $281,086,500 | 2,235 |
| Average equity | $8,075,000 | 6,028 |
| Average total loans | $218,480,500 | 2,188 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3932% | 8,051 |
| Cost of funding earning assets | 4.6749% | 7 |
| Net interest margin | -0.2817% | 8,303 |
| Noninterest income to average assets | -0.7086% | 8,282 |
| Noninterest expense to average assets | 8.6509% | 192 |
| Loan and lease loss provision to assets | 6.0372% | 61 |
| Net operating income to assets | -15.3827% | 8,289 |
| Return on assets (ROA) | -15.3590% | 8,289 |
| Pretax return on assets | -15.6078% | 8,289 |
| Return on Equity (ROE) | -166.5216% | 8,298 |
| Retained earnings to average equity (ytd only) | -169.4416% | 8,297 |
| Net charge-offs to loans | 5.7720% | 67 |
| Credit loss provision to net charge-offs | 145.0404% | 3,641 |
| Earnings coverage of net charge-offs (x) | -2.3051% | 6,723 |
| Efficiency ratio | -175.3210% | 8,296 |
| Assets per employee ($millions) | 20.3978% | 74 |
| Cash dividends to net income (ytd only)* | -1.7535% | 7,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7697% | 113 |
| Loan loss allowance to noncurrent loans | 17.3098% | 7,330 |
| Noncurrent assets plus other real estate owned to assets | 27.6301% | 10 |
| Noncurrent loans to loans | 27.5550% | 14 |
| Net loans and leases to total assets | 62.2238% | 5,588 |
| Net loans and leases to deposits | 69.4311% | 6,332 |
| Net loans and leases to core deposits | 155.0845% | 683 |
| Total domestic deposits to total assets | 89.6194% | 798 |
| Equity capital to assets | 3.5595% | 8,265 |
| Core capital (leverage) ratio | 3.5454% | 8,270 |
| Tier 1 risk-based capital ratio | 4.7332% | 8,266 |
| Total risk-based capital ratio | 6.0188% | 8,266 |
| Memoranda: | ||
| Average total assets | $371,300,600 | 1,811 |
| Average earning assets | $310,298,000 | 1,966 |
| Average equity | $34,246,600 | 1,981 |
| Average total loans | $267,759,000 | 1,785 |