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Security Savings Bank, F.S.B., Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8156% | 5,597 |
| Cost of funding earning assets | 2.7078% | 66 |
| Net interest margin | 2.1078% | 7,546 |
| Noninterest income to average assets | 0.2126% | 6,391 |
| Noninterest expense to average assets | 4.0353% | 1,010 |
| Loan and lease loss provision to assets | 3.1043% | 271 |
| Net operating income to assets | -5.0019% | 7,643 |
| Return on assets (ROA) | -4.7685% | 7,637 |
| Pretax return on assets | -4.7435% | 7,620 |
| Return on Equity (ROE) | -122.8416% | 7,709 |
| Retained earnings to average equity (ytd only) | -122.8416% | 7,709 |
| Net charge-offs to loans | 5.1167% | 166 |
| Credit loss provision to net charge-offs | 85.2859% | 4,950 |
| Earnings coverage of net charge-offs (x) | -0.5145% | 6,328 |
| Efficiency ratio | 179.1255% | 117 |
| Assets per employee ($millions) | 4.4886% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2571% | 1,692 |
| Loan loss allowance to noncurrent loans | 22.7238% | 6,775 |
| Noncurrent assets plus other real estate owned to assets | 10.3033% | 385 |
| Noncurrent loans to loans | 9.9326% | 430 |
| Net loans and leases to total assets | 71.7379% | 2,308 |
| Net loans and leases to deposits | 93.7026% | 1,238 |
| Net loans and leases to core deposits | 96.1854% | 2,237 |
| Total domestic deposits to total assets | 76.5591% | 6,557 |
| Equity capital to assets | 2.5693% | 7,709 |
| Core capital (leverage) ratio | 2.4179% | 7,704 |
| Tier 1 risk-based capital ratio | 3.1187% | 7,706 |
| Total risk-based capital ratio | 4.3796% | 7,706 |
| Memoranda: | ||
| Average total assets | $511,842,000 | 1,315 |
| Average earning assets | $473,532,250 | 1,308 |
| Average equity | $19,869,000 | 3,203 |
| Average total loans | $364,102,500 | 1,251 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7433% | 6,002 |
| Cost of funding earning assets | 2.8290% | 52 |
| Net interest margin | 1.9143% | 7,664 |
| Noninterest income to average assets | 0.1276% | 6,956 |
| Noninterest expense to average assets | 4.3362% | 693 |
| Loan and lease loss provision to assets | 2.9646% | 334 |
| Net operating income to assets | -5.4368% | 7,711 |
| Return on assets (ROA) | -5.4624% | 7,715 |
| Pretax return on assets | -5.4263% | 7,696 |
| Return on Equity (ROE) | -128.3718% | 7,765 |
| Retained earnings to average equity (ytd only) | -128.3718% | 7,765 |
| Net charge-offs to loans | 4.5387% | 253 |
| Credit loss provision to net charge-offs | 92.6588% | 4,343 |
| Earnings coverage of net charge-offs (x) | -0.7614% | 6,082 |
| Efficiency ratio | 219.9089% | 78 |
| Assets per employee ($millions) | 4.7034% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5410% | 1,250 |
| Loan loss allowance to noncurrent loans | 27.4998% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 9.2954% | 466 |
| Noncurrent loans to loans | 9.2399% | 508 |
| Net loans and leases to total assets | 67.5105% | 3,497 |
| Net loans and leases to deposits | 86.3866% | 2,446 |
| Net loans and leases to core deposits | 88.8598% | 3,433 |
| Total domestic deposits to total assets | 78.1493% | 6,235 |
| Equity capital to assets | 3.1858% | 7,744 |
| Core capital (leverage) ratio | 2.9085% | 7,747 |
| Tier 1 risk-based capital ratio | 4.0266% | 7,745 |
| Total risk-based capital ratio | 5.2912% | 7,747 |
| Memoranda: | ||
| Average total assets | $531,339,670 | 1,281 |
| Average earning assets | $491,973,000 | 1,270 |
| Average equity | $22,609,330 | 2,843 |
| Average total loans | $374,559,000 | 1,225 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8170% | 5,833 |
| Cost of funding earning assets | 2.8999% | 61 |
| Net interest margin | 1.9171% | 7,746 |
| Noninterest income to average assets | 0.1481% | 6,912 |
| Noninterest expense to average assets | 3.8960% | 1,174 |
| Loan and lease loss provision to assets | 2.8610% | 358 |
| Net operating income to assets | -4.7631% | 7,771 |
| Return on assets (ROA) | -4.7777% | 7,780 |
| Pretax return on assets | -4.8491% | 7,753 |
| Return on Equity (ROE) | -100.4705% | 7,828 |
| Retained earnings to average equity (ytd only) | -100.4705% | 7,824 |
| Net charge-offs to loans | 3.3864% | 428 |
| Credit loss provision to net charge-offs | 118.8858% | 2,935 |
| Earnings coverage of net charge-offs (x) | -0.8200% | 5,357 |
| Efficiency ratio | 193.9080% | 103 |
| Assets per employee ($millions) | 4.7030% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7372% | 1,048 |
| Loan loss allowance to noncurrent loans | 29.2771% | 6,442 |
| Noncurrent assets plus other real estate owned to assets | 9.5070% | 434 |
| Noncurrent loans to loans | 9.3493% | 488 |
| Net loans and leases to total assets | 67.4831% | 3,510 |
| Net loans and leases to deposits | 90.7359% | 1,797 |
| Net loans and leases to core deposits | 93.3866% | 2,919 |
| Total domestic deposits to total assets | 74.3731% | 6,995 |
| Equity capital to assets | 4.2549% | 7,776 |
| Core capital (leverage) ratio | 4.1809% | 7,762 |
| Tier 1 risk-based capital ratio | 5.7580% | 7,759 |
| Total risk-based capital ratio | 7.0244% | 7,762 |
| Memoranda: | ||
| Average total assets | $543,024,000 | 1,288 |
| Average earning assets | $502,633,000 | 1,274 |
| Average equity | $25,822,500 | 2,526 |
| Average total loans | $385,901,000 | 1,228 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2407% | 5,455 |
| Cost of funding earning assets | 3.3301% | 84 |
| Net interest margin | 1.9107% | 7,776 |
| Noninterest income to average assets | 0.5446% | 4,071 |
| Noninterest expense to average assets | 3.2180% | 3,319 |
| Loan and lease loss provision to assets | 2.8012% | 655 |
| Net operating income to assets | -3.7252% | 7,560 |
| Return on assets (ROA) | -3.5530% | 7,525 |
| Pretax return on assets | -3.5395% | 7,427 |
| Return on Equity (ROE) | -54.3277% | 7,719 |
| Retained earnings to average equity (ytd only) | -54.3277% | 7,714 |
| Net charge-offs to loans | 2.8950% | 747 |
| Credit loss provision to net charge-offs | 127.1258% | 4,081 |
| Earnings coverage of net charge-offs (x) | -0.4132% | 6,638 |
| Efficiency ratio | 133.9223% | 436 |
| Assets per employee ($millions) | 4.3300% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3924% | 1,357 |
| Loan loss allowance to noncurrent loans | 30.1811% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 8.1603% | 537 |
| Noncurrent loans to loans | 7.9266% | 641 |
| Net loans and leases to total assets | 70.9666% | 3,016 |
| Net loans and leases to deposits | 96.5562% | 1,264 |
| Net loans and leases to core deposits | 133.0271% | 1,111 |
| Total domestic deposits to total assets | 73.4977% | 7,088 |
| Equity capital to assets | 5.2432% | 7,766 |
| Core capital (leverage) ratio | 5.2760% | 7,737 |
| Tier 1 risk-based capital ratio | 6.7504% | 7,773 |
| Total risk-based capital ratio | 8.0141% | 7,776 |
| Memoranda: | ||
| Average total assets | $600,960,800 | 1,151 |
| Average earning assets | $554,464,400 | 1,135 |
| Average equity | $39,302,200 | 1,708 |
| Average total loans | $457,413,200 | 1,052 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2773% | 5,536 |
| Cost of funding earning assets | 3.3756% | 106 |
| Net interest margin | 1.9017% | 7,851 |
| Noninterest income to average assets | 0.5931% | 3,764 |
| Noninterest expense to average assets | 3.2524% | 3,116 |
| Loan and lease loss provision to assets | 3.0836% | 468 |
| Net operating income to assets | -4.0143% | 7,754 |
| Return on assets (ROA) | -3.8316% | 7,729 |
| Pretax return on assets | -3.8075% | 7,658 |
| Return on Equity (ROE) | -56.0966% | 7,878 |
| Retained earnings to average equity (ytd only) | -56.0966% | 7,874 |
| Net charge-offs to loans | 2.8997% | 595 |
| Credit loss provision to net charge-offs | 138.3296% | 3,577 |
| Earnings coverage of net charge-offs (x) | -0.4067% | 6,433 |
| Efficiency ratio | 133.2099% | 437 |
| Assets per employee ($millions) | 3.8521% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3481% | 1,235 |
| Loan loss allowance to noncurrent loans | 32.8667% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 7.7747% | 565 |
| Noncurrent loans to loans | 7.1444% | 746 |
| Net loans and leases to total assets | 72.2672% | 2,965 |
| Net loans and leases to deposits | 102.3417% | 906 |
| Net loans and leases to core deposits | 138.7469% | 978 |
| Total domestic deposits to total assets | 70.6137% | 7,364 |
| Equity capital to assets | 5.8199% | 7,884 |
| Core capital (leverage) ratio | 5.7488% | 7,844 |
| Tier 1 risk-based capital ratio | 6.9057% | 7,904 |
| Total risk-based capital ratio | 8.1676% | 7,908 |
| Memoranda: | ||
| Average total assets | $613,724,000 | 1,148 |
| Average earning assets | $565,656,750 | 1,129 |
| Average equity | $41,919,500 | 1,611 |
| Average total loans | $471,812,500 | 1,036 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 5,522 |
| Cost of funding earning assets | 3.3857% | 154 |
| Net interest margin | 1.9413% | 7,894 |
| Noninterest income to average assets | 0.6001% | 3,693 |
| Noninterest expense to average assets | 3.1977% | 3,343 |
| Loan and lease loss provision to assets | 3.6564% | 372 |
| Net operating income to assets | -4.5331% | 7,897 |
| Return on assets (ROA) | -4.0330% | 7,834 |
| Pretax return on assets | -3.9694% | 7,742 |
| Return on Equity (ROE) | -56.5168% | 7,959 |
| Retained earnings to average equity (ytd only) | -56.5168% | 7,956 |
| Net charge-offs to loans | 3.9116% | 364 |
| Credit loss provision to net charge-offs | 120.2345% | 3,862 |
| Earnings coverage of net charge-offs (x) | -0.2674% | 5,929 |
| Efficiency ratio | 128.8213% | 536 |
| Assets per employee ($millions) | 4.0528% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7428% | 2,205 |
| Loan loss allowance to noncurrent loans | 45.3883% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 4.9559% | 1,077 |
| Noncurrent loans to loans | 3.8397% | 1,770 |
| Net loans and leases to total assets | 74.3318% | 2,613 |
| Net loans and leases to deposits | 106.1120% | 759 |
| Net loans and leases to core deposits | 146.8206% | 731 |
| Total domestic deposits to total assets | 70.0503% | 7,470 |
| Equity capital to assets | 6.0947% | 7,910 |
| Core capital (leverage) ratio | 6.2724% | 7,863 |
| Tier 1 risk-based capital ratio | 7.5325% | 7,955 |
| Total risk-based capital ratio | 8.7877% | 7,967 |
| Memoranda: | ||
| Average total assets | $628,262,330 | 1,136 |
| Average earning assets | $577,555,000 | 1,123 |
| Average equity | $44,832,670 | 1,526 |
| Average total loans | $488,447,000 | 1,020 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4781% | 5,026 |
| Cost of funding earning assets | 3.3990% | 198 |
| Net interest margin | 2.0791% | 7,862 |
| Noninterest income to average assets | 0.2702% | 6,276 |
| Noninterest expense to average assets | 3.1061% | 3,352 |
| Loan and lease loss provision to assets | 2.5582% | 450 |
| Net operating income to assets | -3.3161% | 7,889 |
| Return on assets (ROA) | -2.1958% | 7,707 |
| Pretax return on assets | -2.3191% | 7,620 |
| Return on Equity (ROE) | -28.8092% | 7,897 |
| Retained earnings to average equity (ytd only) | -28.8092% | 7,845 |
| Net charge-offs to loans | 3.6600% | 330 |
| Credit loss provision to net charge-offs | 88.7857% | 4,031 |
| Earnings coverage of net charge-offs (x) | -0.3263% | 5,194 |
| Efficiency ratio | 137.7695% | 428 |
| Assets per employee ($millions) | 4.2559% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 5,353 |
| Loan loss allowance to noncurrent loans | 43.5877% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 4.3495% | 1,124 |
| Noncurrent loans to loans | 2.5606% | 2,573 |
| Net loans and leases to total assets | 76.2164% | 2,223 |
| Net loans and leases to deposits | 114.2432% | 437 |
| Net loans and leases to core deposits | 155.8874% | 565 |
| Total domestic deposits to total assets | 66.7141% | 7,687 |
| Equity capital to assets | 7.3626% | 7,444 |
| Core capital (leverage) ratio | 7.3236% | 7,357 |
| Tier 1 risk-based capital ratio | 9.0210% | 7,784 |
| Total risk-based capital ratio | 10.1320% | 7,895 |
| Memoranda: | ||
| Average total assets | $642,486,000 | 1,112 |
| Average earning assets | $585,825,000 | 1,115 |
| Average equity | $48,970,500 | 1,409 |
| Average total loans | $505,790,000 | 989 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8422% | 6,291 |
| Cost of funding earning assets | 3.7062% | 263 |
| Net interest margin | 2.1360% | 7,996 |
| Noninterest income to average assets | 0.9804% | 1,647 |
| Noninterest expense to average assets | 2.9836% | 4,142 |
| Loan and lease loss provision to assets | 0.9648% | 1,527 |
| Net operating income to assets | -0.9484% | 7,220 |
| Return on assets (ROA) | -0.6001% | 6,898 |
| Pretax return on assets | -0.6158% | 6,752 |
| Return on Equity (ROE) | -8.0028% | 7,126 |
| Retained earnings to average equity (ytd only) | -17.3170% | 7,583 |
| Net charge-offs to loans | 0.3986% | 2,822 |
| Credit loss provision to net charge-offs | 322.7103% | 1,397 |
| Earnings coverage of net charge-offs (x) | -0.0336% | 6,269 |
| Efficiency ratio | 96.4576% | 1,129 |
| Assets per employee ($millions) | 3.9445% | 3,631 |
| Cash dividends to net income (ytd only)* | -116.3873% | 8,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 4,975 |
| Loan loss allowance to noncurrent loans | 32.9256% | 6,531 |
| Noncurrent assets plus other real estate owned to assets | 4.4981% | 831 |
| Noncurrent loans to loans | 3.4710% | 1,461 |
| Net loans and leases to total assets | 79.4108% | 1,798 |
| Net loans and leases to deposits | 124.4286% | 298 |
| Net loans and leases to core deposits | 166.7047% | 463 |
| Total domestic deposits to total assets | 63.8204% | 7,803 |
| Equity capital to assets | 7.8748% | 7,001 |
| Core capital (leverage) ratio | 7.7244% | 6,894 |
| Tier 1 risk-based capital ratio | 9.5315% | 7,273 |
| Total risk-based capital ratio | 10.7166% | 7,264 |
| Memoranda: | ||
| Average total assets | $715,821,600 | 931 |
| Average earning assets | $667,927,600 | 912 |
| Average equity | $53,681,200 | 1,259 |
| Average total loans | $536,922,400 | 890 |