Home > Security Bank of North Fulton > Performance and Condition Ratios
Security Bank of North Fulton, 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 | 3.2845% | 8,053 |
| Cost of funding earning assets | 3.9878% | 21 |
| Net interest margin | -0.7033% | 8,189 |
| Noninterest income to average assets | -0.0620% | 8,018 |
| Noninterest expense to average assets | 2.2255% | 6,987 |
| Loan and lease loss provision to assets | 7.1543% | 91 |
| Net operating income to assets | -7.7543% | 8,075 |
| Return on assets (ROA) | -7.5181% | 8,061 |
| Pretax return on assets | -9.7616% | 8,098 |
| Return on Equity (ROE) | -224.7238% | 8,152 |
| Retained earnings to average equity (ytd only) | -224.7238% | 8,151 |
| Net charge-offs to loans | 7.7277% | 110 |
| Credit loss provision to net charge-offs | 156.7207% | 2,935 |
| Earnings coverage of net charge-offs (x) | -0.6384% | 6,135 |
| Efficiency ratio | -316.5457% | 8,186 |
| Assets per employee ($millions) | 10.0297% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1358% | 116 |
| Loan loss allowance to noncurrent loans | 20.1069% | 7,122 |
| Noncurrent assets plus other real estate owned to assets | 17.9898% | 61 |
| Noncurrent loans to loans | 25.5423% | 26 |
| Net loans and leases to total assets | 54.6877% | 6,363 |
| Net loans and leases to deposits | 58.0511% | 7,022 |
| Net loans and leases to core deposits | 103.8412% | 4,083 |
| Total domestic deposits to total assets | 94.2061% | 54 |
| Equity capital to assets | 0.7950% | 8,163 |
| Core capital (leverage) ratio | 0.6340% | 8,169 |
| Tier 1 risk-based capital ratio | 1.0180% | 8,168 |
| Total risk-based capital ratio | 2.0360% | 8,168 |
| Memoranda: | ||
| Average total assets | $200,130,330 | 3,226 |
| Average earning assets | $178,293,670 | 3,281 |
| Average equity | $6,695,330 | 6,469 |
| Average total loans | $118,223,670 | 3,573 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 8,048 |
| Cost of funding earning assets | 3.7871% | 69 |
| Net interest margin | -0.0376% | 8,235 |
| Noninterest income to average assets | -0.1874% | 8,160 |
| Noninterest expense to average assets | 2.0087% | 7,331 |
| Loan and lease loss provision to assets | 2.2995% | 514 |
| Net operating income to assets | 0.1271% | 5,897 |
| Return on assets (ROA) | 0.6168% | 4,140 |
| Pretax return on assets | -3.7655% | 7,878 |
| Return on Equity (ROE) | 13.6126% | 1,244 |
| Retained earnings to average equity (ytd only) | 13.6126% | 551 |
| Net charge-offs to loans | 4.5226% | 247 |
| Credit loss provision to net charge-offs | 85.1156% | 4,098 |
| Earnings coverage of net charge-offs (x) | -0.8259% | 5,330 |
| Efficiency ratio | -882.4561% | 8,246 |
| Assets per employee ($millions) | 11.0075% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3866% | 865 |
| Loan loss allowance to noncurrent loans | 21.6878% | 7,075 |
| Noncurrent assets plus other real estate owned to assets | 7.4122% | 434 |
| Noncurrent loans to loans | 11.0043% | 223 |
| Net loans and leases to total assets | 55.6383% | 6,295 |
| Net loans and leases to deposits | 61.0708% | 6,807 |
| Net loans and leases to core deposits | 109.7588% | 3,465 |
| Total domestic deposits to total assets | 91.1046% | 382 |
| Equity capital to assets | 4.4620% | 8,147 |
| Core capital (leverage) ratio | 4.3779% | 8,155 |
| Tier 1 risk-based capital ratio | 7.0892% | 8,090 |
| Total risk-based capital ratio | 8.3514% | 8,096 |
| Memoranda: | ||
| Average total assets | $204,913,500 | 3,183 |
| Average earning assets | $191,388,000 | 3,134 |
| Average equity | $9,285,500 | 5,609 |
| Average total loans | $122,407,000 | 3,507 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7489% | 6,602 |
| Cost of funding earning assets | 4.1918% | 47 |
| Net interest margin | 1.5571% | 8,177 |
| Noninterest income to average assets | -0.2248% | 8,230 |
| Noninterest expense to average assets | 13.7730% | 84 |
| Loan and lease loss provision to assets | 2.3204% | 480 |
| Net operating income to assets | -15.5548% | 8,293 |
| Return on assets (ROA) | -15.5464% | 8,292 |
| Pretax return on assets | -14.9882% | 8,285 |
| Return on Equity (ROE) | -130.7235% | 8,292 |
| Retained earnings to average equity (ytd only) | -131.8304% | 8,289 |
| Net charge-offs to loans | 2.4915% | 387 |
| Credit loss provision to net charge-offs | 133.3838% | 3,984 |
| Earnings coverage of net charge-offs (x) | -7.2866% | 6,871 |
| Efficiency ratio | 195.0552% | 207 |
| Assets per employee ($millions) | 10.5624% | 221 |
| Cash dividends to net income (ytd only)* | -0.8467% | 7,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4290% | 740 |
| Loan loss allowance to noncurrent loans | 32.3679% | 6,564 |
| Noncurrent assets plus other real estate owned to assets | 5.6596% | 560 |
| Noncurrent loans to loans | 7.5044% | 379 |
| Net loans and leases to total assets | 61.0683% | 5,760 |
| Net loans and leases to deposits | 68.0536% | 6,459 |
| Net loans and leases to core deposits | 122.1750% | 2,491 |
| Total domestic deposits to total assets | 89.7357% | 755 |
| Equity capital to assets | 4.6037% | 8,222 |
| Core capital (leverage) ratio | 4.4496% | 8,246 |
| Tier 1 risk-based capital ratio | 6.4561% | 8,206 |
| Total risk-based capital ratio | 7.7187% | 8,211 |
| Memoranda: | ||
| Average total assets | $189,922,200 | 3,273 |
| Average earning assets | $161,196,600 | 3,449 |
| Average equity | $22,586,600 | 2,898 |
| Average total loans | $132,610,400 | 3,225 |