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Security Savings Bank, Performance and Condition Ratios
| 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 | 5.4524% | 7,392 |
| Cost of funding earning assets | 4.3206% | 30 |
| Net interest margin | 1.1318% | 8,219 |
| Noninterest income to average assets | -0.3689% | 8,256 |
| Noninterest expense to average assets | 3.8549% | 1,652 |
| Loan and lease loss provision to assets | 4.2937% | 144 |
| Net operating income to assets | -7.3937% | 8,208 |
| Return on assets (ROA) | -11.3068% | 8,267 |
| Pretax return on assets | -11.4794% | 8,261 |
| Return on Equity (ROE) | -151.7350% | 8,295 |
| Retained earnings to average equity (ytd only) | -151.7350% | 8,294 |
| Net charge-offs to loans | 5.4115% | 82 |
| Credit loss provision to net charge-offs | 132.0200% | 4,035 |
| Earnings coverage of net charge-offs (x) | -0.9817% | 6,590 |
| Efficiency ratio | 436.5488% | 60 |
| Assets per employee ($millions) | 14.8942% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6019% | 257 |
| Loan loss allowance to noncurrent loans | 18.7460% | 7,285 |
| Noncurrent assets plus other real estate owned to assets | 10.0274% | 162 |
| Noncurrent loans to loans | 19.2144% | 39 |
| Net loans and leases to total assets | 49.9641% | 7,037 |
| Net loans and leases to deposits | 68.0887% | 6,457 |
| Net loans and leases to core deposits | 85.4772% | 6,173 |
| Total domestic deposits to total assets | 73.3810% | 6,757 |
| Equity capital to assets | 0.9924% | 8,292 |
| Core capital (leverage) ratio | 1.9051% | 8,290 |
| Tier 1 risk-based capital ratio | 3.5634% | 8,281 |
| Total risk-based capital ratio | 4.8387% | 8,281 |
| Memoranda: | ||
| Average total assets | $252,069,200 | 2,544 |
| Average earning assets | $229,642,800 | 2,557 |
| Average equity | $18,783,400 | 3,431 |
| Average total loans | $151,492,800 | 2,900 |