Home > Security Bank of Houston County > Performance and Condition Ratios
Security Bank of Houston 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 | 4.2236% | 7,815 |
| Cost of funding earning assets | 2.8597% | 670 |
| Net interest margin | 1.3639% | 8,046 |
| Noninterest income to average assets | 0.4960% | 4,483 |
| Noninterest expense to average assets | 2.1283% | 7,216 |
| Loan and lease loss provision to assets | 0.9640% | 1,751 |
| Net operating income to assets | -3.0576% | 7,690 |
| Return on assets (ROA) | -2.7550% | 7,613 |
| Pretax return on assets | -1.0357% | 6,840 |
| Return on Equity (ROE) | -55.7438% | 7,955 |
| Retained earnings to average equity (ytd only) | -55.7438% | 7,952 |
| Net charge-offs to loans | 1.9667% | 943 |
| Credit loss provision to net charge-offs | 84.5976% | 5,072 |
| Earnings coverage of net charge-offs (x) | -0.3284% | 5,975 |
| Efficiency ratio | 121.3341% | 644 |
| Assets per employee ($millions) | 5.9939% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6853% | 2,397 |
| Loan loss allowance to noncurrent loans | 15.3873% | 7,358 |
| Noncurrent assets plus other real estate owned to assets | 8.7015% | 401 |
| Noncurrent loans to loans | 10.9524% | 282 |
| Net loans and leases to total assets | 54.5662% | 6,372 |
| Net loans and leases to deposits | 64.7542% | 6,497 |
| Net loans and leases to core deposits | 87.3518% | 5,782 |
| Total domestic deposits to total assets | 84.2666% | 3,617 |
| Equity capital to assets | 4.2061% | 8,086 |
| Core capital (leverage) ratio | 4.0921% | 8,086 |
| Tier 1 risk-based capital ratio | 7.2983% | 7,977 |
| Total risk-based capital ratio | 8.5530% | 7,987 |
| Memoranda: | ||
| Average total assets | $379,452,670 | 1,829 |
| Average earning assets | $350,032,330 | 1,819 |
| Average equity | $18,753,670 | 3,431 |
| Average total loans | $219,858,330 | 2,159 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3318% | 7,835 |
| Cost of funding earning assets | 2.8310% | 907 |
| Net interest margin | 1.5008% | 8,059 |
| Noninterest income to average assets | 0.6469% | 3,216 |
| Noninterest expense to average assets | 1.9918% | 7,371 |
| Loan and lease loss provision to assets | 1.9511% | 625 |
| Net operating income to assets | -1.6972% | 7,573 |
| Return on assets (ROA) | -1.1874% | 7,373 |
| Pretax return on assets | -1.3376% | 7,318 |
| Return on Equity (ROE) | -22.4071% | 7,802 |
| Retained earnings to average equity (ytd only) | -22.4071% | 7,709 |
| Net charge-offs to loans | 0.9971% | 1,344 |
| Credit loss provision to net charge-offs | 330.9735% | 1,505 |
| Earnings coverage of net charge-offs (x) | 0.0690% | 4,925 |
| Efficiency ratio | 97.9979% | 1,219 |
| Assets per employee ($millions) | 6.3843% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3008% | 946 |
| Loan loss allowance to noncurrent loans | 19.9532% | 7,172 |
| Noncurrent assets plus other real estate owned to assets | 8.2233% | 346 |
| Noncurrent loans to loans | 11.5312% | 192 |
| Net loans and leases to total assets | 56.6896% | 6,142 |
| Net loans and leases to deposits | 67.8296% | 6,202 |
| Net loans and leases to core deposits | 91.7558% | 5,371 |
| Total domestic deposits to total assets | 83.5766% | 3,889 |
| Equity capital to assets | 5.1807% | 8,105 |
| Core capital (leverage) ratio | 5.0983% | 8,118 |
| Tier 1 risk-based capital ratio | 8.7695% | 7,890 |
| Total risk-based capital ratio | 10.0323% | 7,941 |
| Memoranda: | ||
| Average total assets | $383,367,000 | 1,831 |
| Average earning assets | $353,938,000 | 1,811 |
| Average equity | $20,315,000 | 3,218 |
| Average total loans | $226,659,000 | 2,126 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0984% | 5,052 |
| Cost of funding earning assets | 3.1347% | 1,399 |
| Net interest margin | 2.9636% | 7,002 |
| Noninterest income to average assets | 0.8052% | 2,488 |
| Noninterest expense to average assets | 2.1146% | 7,201 |
| Loan and lease loss provision to assets | 2.7873% | 339 |
| Net operating income to assets | -0.7873% | 7,128 |
| Return on assets (ROA) | -0.7231% | 6,981 |
| Pretax return on assets | -1.3118% | 7,170 |
| Return on Equity (ROE) | -11.4011% | 7,380 |
| Retained earnings to average equity (ytd only) | -17.6856% | 7,607 |
| Net charge-offs to loans | 4.0844% | 155 |
| Credit loss provision to net charge-offs | 97.1114% | 5,474 |
| Earnings coverage of net charge-offs (x) | 0.4792% | 5,950 |
| Efficiency ratio | 60.5927% | 6,245 |
| Assets per employee ($millions) | 5.9027% | 1,192 |
| Cash dividends to net income (ytd only)* | -55.1221% | 8,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 2,073 |
| Loan loss allowance to noncurrent loans | 26.0444% | 6,934 |
| Noncurrent assets plus other real estate owned to assets | 5.2239% | 644 |
| Noncurrent loans to loans | 6.3298% | 522 |
| Net loans and leases to total assets | 59.2273% | 6,022 |
| Net loans and leases to deposits | 71.8295% | 6,077 |
| Net loans and leases to core deposits | 92.3091% | 5,605 |
| Total domestic deposits to total assets | 82.4553% | 4,018 |
| Equity capital to assets | 5.4173% | 8,141 |
| Core capital (leverage) ratio | 5.6665% | 8,143 |
| Tier 1 risk-based capital ratio | 8.8728% | 7,866 |
| Total risk-based capital ratio | 10.1274% | 7,890 |
| Memoranda: | ||
| Average total assets | $350,980,600 | 1,897 |
| Average earning assets | $317,953,200 | 1,919 |
| Average equity | $22,261,000 | 2,943 |
| Average total loans | $246,648,000 | 1,926 |