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Sherman County 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 | 7.6252% | 326 |
| Cost of funding earning assets | 3.0426% | 1,707 |
| Net interest margin | 4.5826% | 1,226 |
| Noninterest income to average assets | 0.4912% | 4,673 |
| Noninterest expense to average assets | 2.3298% | 6,616 |
| Loan and lease loss provision to assets | 0.1087% | 5,981 |
| Net operating income to assets | 2.3525% | 173 |
| Return on assets (ROA) | 0.2691% | 5,466 |
| Pretax return on assets | 0.1840% | 5,769 |
| Return on Equity (ROE) | 3.2813% | 5,127 |
| Retained earnings to average equity (ytd only) | -3.3476% | 6,192 |
| Net charge-offs to loans | 0.1295% | 4,939 |
| Credit loss provision to net charge-offs | 112.1495% | 4,806 |
| Earnings coverage of net charge-offs (x) | 24.5047% | 1,374 |
| Efficiency ratio | 49.5090% | 7,691 |
| Assets per employee ($millions) | 4.5144% | 2,593 |
| Cash dividends to net income (ytd only)* | 202.0202% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 3,235 |
| Loan loss allowance to noncurrent loans | 337.1365% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 5,512 |
| Noncurrent loans to loans | 0.4132% | 6,104 |
| Net loans and leases to total assets | 78.7730% | 1,942 |
| Net loans and leases to deposits | 117.6906% | 453 |
| Net loans and leases to core deposits | 174.3785% | 344 |
| Total domestic deposits to total assets | 66.9322% | 7,583 |
| Equity capital to assets | 8.0595% | 6,765 |
| Core capital (leverage) ratio | 8.9641% | 4,794 |
| Tier 1 risk-based capital ratio | 9.5136% | 7,288 |
| Total risk-based capital ratio | 10.7436% | 7,235 |
| Memoranda: | ||
| Average total assets | $110,352,200 | 4,768 |
| Average earning assets | $101,492,400 | 4,766 |
| Average equity | $9,051,200 | 5,727 |
| Average total loans | $82,655,600 | 4,433 |