Home > SNB Bank of Wichita > Performance and Condition Ratios
SNB Bank of Wichita, 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 | 5.8707% | 6,180 |
| Cost of funding earning assets | 2.3018% | 5,145 |
| Net interest margin | 3.5689% | 5,019 |
| Noninterest income to average assets | 1.7006% | 470 |
| Noninterest expense to average assets | 3.7187% | 1,917 |
| Loan and lease loss provision to assets | 0.3331% | 3,727 |
| Net operating income to assets | 0.6649% | 4,044 |
| Return on assets (ROA) | 0.6649% | 3,893 |
| Pretax return on assets | 1.0693% | 3,140 |
| Return on Equity (ROE) | 8.2569% | 2,953 |
| Retained earnings to average equity (ytd only) | 8.2569% | 762 |
| Net charge-offs to loans | 0.1779% | 4,417 |
| Credit loss provision to net charge-offs | 285.5556% | 1,595 |
| Earnings coverage of net charge-offs (x) | 12.0222% | 2,303 |
| Efficiency ratio | 72.6145% | 3,822 |
| Assets per employee ($millions) | 7.9999% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3260% | 3,614 |
| Loan loss allowance to noncurrent loans | 138.6139% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.8913% | 4,627 |
| Noncurrent loans to loans | 0.9566% | 4,690 |
| Net loans and leases to total assets | 65.1146% | 5,033 |
| Net loans and leases to deposits | 77.0930% | 5,459 |
| Net loans and leases to core deposits | 116.0621% | 3,111 |
| Total domestic deposits to total assets | 84.4623% | 3,097 |
| Equity capital to assets | 8.4501% | 6,173 |
| Core capital (leverage) ratio | 8.3263% | 5,901 |
| Tier 1 risk-based capital ratio | 11.5578% | 5,189 |
| Total risk-based capital ratio | 12.8088% | 5,078 |
| Memoranda: | ||
| Average total assets | $77,150,000 | 5,797 |
| Average earning assets | $73,943,600 | 5,663 |
| Average equity | $6,213,000 | 6,732 |
| Average total loans | $50,592,600 | 5,681 |