Home > Security Bank of Jones County > Performance and Condition Ratios
Security Bank of Jones 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 | 4.3768% | 7,732 |
| Cost of funding earning assets | 3.0450% | 416 |
| Net interest margin | 1.3317% | 8,054 |
| Noninterest income to average assets | 0.2900% | 6,199 |
| Noninterest expense to average assets | 1.4238% | 8,005 |
| Loan and lease loss provision to assets | 0.8903% | 1,897 |
| Net operating income to assets | -3.4036% | 7,751 |
| Return on assets (ROA) | -3.1809% | 7,708 |
| Pretax return on assets | -0.5529% | 6,477 |
| Return on Equity (ROE) | -62.8002% | 7,991 |
| Retained earnings to average equity (ytd only) | -62.8002% | 7,987 |
| Net charge-offs to loans | 2.6590% | 634 |
| Credit loss provision to net charge-offs | 52.6021% | 5,725 |
| Earnings coverage of net charge-offs (x) | 0.0678% | 5,610 |
| Efficiency ratio | 92.5426% | 1,603 |
| Assets per employee ($millions) | 10.0631% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 5,874 |
| Loan loss allowance to noncurrent loans | 9.5144% | 7,502 |
| Noncurrent assets plus other real estate owned to assets | 9.1955% | 363 |
| Noncurrent loans to loans | 11.0898% | 270 |
| Net loans and leases to total assets | 63.5194% | 5,077 |
| Net loans and leases to deposits | 73.2484% | 5,573 |
| Net loans and leases to core deposits | 118.6699% | 2,488 |
| Total domestic deposits to total assets | 86.7177% | 2,396 |
| Equity capital to assets | 4.0045% | 8,099 |
| Core capital (leverage) ratio | 3.8212% | 8,102 |
| Tier 1 risk-based capital ratio | 6.4291% | 8,037 |
| Total risk-based capital ratio | 7.5248% | 8,051 |
| Memoranda: | ||
| Average total assets | $442,761,330 | 1,597 |
| Average earning assets | $415,101,670 | 1,565 |
| Average equity | $22,426,670 | 2,926 |
| Average total loans | $281,836,670 | 1,755 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6546% | 7,569 |
| Cost of funding earning assets | 3.0489% | 533 |
| Net interest margin | 1.6057% | 8,032 |
| Noninterest income to average assets | 0.3796% | 5,385 |
| Noninterest expense to average assets | 1.3346% | 8,064 |
| Loan and lease loss provision to assets | 0.3341% | 3,319 |
| Net operating income to assets | 0.5253% | 4,316 |
| Return on assets (ROA) | 0.9451% | 2,659 |
| Pretax return on assets | 0.6316% | 4,652 |
| Return on Equity (ROE) | 16.9443% | 690 |
| Retained earnings to average equity (ytd only) | 16.9443% | 274 |
| Net charge-offs to loans | 2.1574% | 665 |
| Credit loss provision to net charge-offs | 24.4285% | 5,018 |
| Earnings coverage of net charge-offs (x) | 0.3991% | 4,668 |
| Efficiency ratio | 70.9739% | 4,377 |
| Assets per employee ($millions) | 11.0562% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 4,450 |
| Loan loss allowance to noncurrent loans | 16.3527% | 7,345 |
| Noncurrent assets plus other real estate owned to assets | 5.9583% | 672 |
| Noncurrent loans to loans | 7.6361% | 490 |
| Net loans and leases to total assets | 61.9334% | 5,342 |
| Net loans and leases to deposits | 72.4695% | 5,686 |
| Net loans and leases to core deposits | 114.5154% | 2,954 |
| Total domestic deposits to total assets | 85.4614% | 2,985 |
| Equity capital to assets | 5.6333% | 8,052 |
| Core capital (leverage) ratio | 5.7740% | 8,042 |
| Tier 1 risk-based capital ratio | 9.1777% | 7,685 |
| Total risk-based capital ratio | 10.4275% | 7,675 |
| Memoranda: | ||
| Average total assets | $447,786,000 | 1,585 |
| Average earning assets | $418,515,000 | 1,555 |
| Average equity | $24,976,000 | 2,651 |
| Average total loans | $283,861,500 | 1,751 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4502% | 3,186 |
| Cost of funding earning assets | 3.6080% | 379 |
| Net interest margin | 2.8422% | 7,265 |
| Noninterest income to average assets | 0.2838% | 6,437 |
| Noninterest expense to average assets | 6.4274% | 342 |
| Loan and lease loss provision to assets | 2.0890% | 563 |
| Net operating income to assets | -5.4293% | 8,117 |
| Return on assets (ROA) | -5.2489% | 8,094 |
| Pretax return on assets | -5.5430% | 8,065 |
| Return on Equity (ROE) | -53.7093% | 8,172 |
| Retained earnings to average equity (ytd only) | -58.7037% | 8,181 |
| Net charge-offs to loans | 2.4187% | 412 |
| Credit loss provision to net charge-offs | 123.3429% | 4,354 |
| Earnings coverage of net charge-offs (x) | -2.1514% | 6,717 |
| Efficiency ratio | 47.3698% | 7,854 |
| Assets per employee ($millions) | 10.7870% | 214 |
| Cash dividends to net income (ytd only)* | -9.2989% | 7,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 2,028 |
| Loan loss allowance to noncurrent loans | 25.9754% | 6,940 |
| Noncurrent assets plus other real estate owned to assets | 5.1980% | 651 |
| Noncurrent loans to loans | 6.3935% | 509 |
| Net loans and leases to total assets | 63.0205% | 5,449 |
| Net loans and leases to deposits | 73.6781% | 5,878 |
| Net loans and leases to core deposits | 117.3015% | 2,972 |
| Total domestic deposits to total assets | 85.5348% | 2,615 |
| Equity capital to assets | 5.5206% | 8,132 |
| Core capital (leverage) ratio | 5.5172% | 8,160 |
| Tier 1 risk-based capital ratio | 8.9063% | 7,841 |
| Total risk-based capital ratio | 10.1619% | 7,861 |
| Memoranda: | ||
| Average total assets | $409,761,600 | 1,659 |
| Average earning assets | $360,393,400 | 1,724 |
| Average equity | $40,045,200 | 1,681 |
| Average total loans | $286,931,000 | 1,689 |