Home > Southern Bancorp Bank of Blytheville > Performance and Condition Ratios
Southern Bancorp Bank of Blytheville, Performance and Condition Ratios
| 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 | 3.9415% | 7,499 |
| Cost of funding earning assets | 1.4590% | 3,813 |
| Net interest margin | 2.4825% | 7,485 |
| Noninterest income to average assets | 2.5421% | 252 |
| Noninterest expense to average assets | 2.1516% | 6,803 |
| Loan and lease loss provision to assets | 0.0474% | 6,189 |
| Net operating income to assets | 1.8133% | 482 |
| Return on assets (ROA) | 1.8133% | 530 |
| Pretax return on assets | 2.5326% | 242 |
| Return on Equity (ROE) | 18.3472% | 490 |
| Retained earnings to average equity (ytd only) | 8.7497% | 1,468 |
| Net charge-offs to loans | 0.0259% | 5,206 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 326.4000% | 94 |
| Efficiency ratio | 45.4728% | 7,570 |
| Assets per employee ($millions) | 4.8670% | 2,414 |
| Cash dividends to net income (ytd only)* | 52.3104% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 5,699 |
| Loan loss allowance to noncurrent loans | 656.2044% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 6,881 |
| Noncurrent loans to loans | 0.1772% | 6,982 |
| Net loans and leases to total assets | 30.2001% | 7,619 |
| Net loans and leases to deposits | 33.9294% | 7,661 |
| Net loans and leases to core deposits | 39.9137% | 7,579 |
| Total domestic deposits to total assets | 89.0088% | 1,512 |
| Equity capital to assets | 10.1096% | 3,735 |
| Core capital (leverage) ratio | 6.8888% | 7,310 |
| Tier 1 risk-based capital ratio | 15.4479% | 2,892 |
| Total risk-based capital ratio | 16.2767% | 3,064 |
| Memoranda: | ||
| Average total assets | $253,017,000 | 2,622 |
| Average earning assets | $223,165,500 | 2,694 |
| Average equity | $25,006,500 | 2,608 |
| Average total loans | $77,202,500 | 4,598 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0916% | 7,967 |
| Cost of funding earning assets | 0.4840% | 7,845 |
| Net interest margin | 0.6075% | 7,959 |
| Noninterest income to average assets | 0.4756% | 4,607 |
| Noninterest expense to average assets | 0.6011% | 7,976 |
| Loan and lease loss provision to assets | 0.1014% | 6,616 |
| Net operating income to assets | 0.3978% | 4,140 |
| Return on assets (ROA) | 0.4700% | 3,969 |
| Pretax return on assets | 0.3853% | 4,536 |
| Return on Equity (ROE) | 4.4897% | 3,889 |
| Retained earnings to average equity (ytd only) | -41.1104% | 7,571 |
| Net charge-offs to loans | -0.0012% | 7,684 |
| Credit loss provision to net charge-offs | -21,900.0000% | 7,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1883% | 6,593 |
| Assets per employee ($millions) | 4.6842% | 2,638 |
| Cash dividends to net income (ytd only)* | 1,015.6650% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 5,729 |
| Loan loss allowance to noncurrent loans | 257.8171% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 6,509 |
| Noncurrent loans to loans | 0.4398% | 6,390 |
| Net loans and leases to total assets | 30.1246% | 7,706 |
| Net loans and leases to deposits | 33.4841% | 7,770 |
| Net loans and leases to core deposits | 46.1388% | 7,665 |
| Total domestic deposits to total assets | 89.9671% | 978 |
| Equity capital to assets | 9.6569% | 4,204 |
| Core capital (leverage) ratio | 7.0907% | 7,159 |
| Tier 1 risk-based capital ratio | 16.3207% | 2,390 |
| Total risk-based capital ratio | 17.1417% | 2,500 |
| Memoranda: | ||
| Average total assets | $215,942,400 | 3,007 |
| Average earning assets | $191,928,400 | 3,071 |
| Average equity | $22,607,400 | 2,877 |
| Average total loans | $80,077,400 | 4,508 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9809% | 6,657 |
| Cost of funding earning assets | 1.9640% | 3,547 |
| Net interest margin | 3.0169% | 6,558 |
| Noninterest income to average assets | 0.5851% | 3,814 |
| Noninterest expense to average assets | 2.3971% | 6,427 |
| Loan and lease loss provision to assets | 0.1303% | 6,052 |
| Net operating income to assets | 0.6572% | 3,368 |
| Return on assets (ROA) | 0.7605% | 3,045 |
| Pretax return on assets | 0.8625% | 3,350 |
| Return on Equity (ROE) | 7.0961% | 3,031 |
| Retained earnings to average equity (ytd only) | 0.7644% | 4,857 |
| Net charge-offs to loans | 0.4454% | 3,451 |
| Credit loss provision to net charge-offs | 74.8148% | 5,891 |
| Earnings coverage of net charge-offs (x) | 5.0259% | 2,947 |
| Efficiency ratio | 73.2505% | 4,006 |
| Assets per employee ($millions) | 3.6344% | 4,596 |
| Cash dividends to net income (ytd only)* | 89.2281% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8087% | 7,086 |
| Loan loss allowance to noncurrent loans | 135.3050% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.5553% | 6,071 |
| Noncurrent loans to loans | 0.5977% | 6,113 |
| Net loans and leases to total assets | 44.9187% | 7,178 |
| Net loans and leases to deposits | 51.2609% | 7,344 |
| Net loans and leases to core deposits | 73.7442% | 6,742 |
| Total domestic deposits to total assets | 87.6277% | 1,836 |
| Equity capital to assets | 11.4743% | 2,608 |
| Core capital (leverage) ratio | 10.1010% | 3,173 |
| Tier 1 risk-based capital ratio | 18.8849% | 1,770 |
| Total risk-based capital ratio | 19.5688% | 1,853 |
| Memoranda: | ||
| Average total assets | $206,690,750 | 3,114 |
| Average earning assets | $184,113,000 | 3,190 |
| Average equity | $22,152,500 | 2,956 |
| Average total loans | $80,828,250 | 4,527 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8734% | 7,090 |
| Cost of funding earning assets | 2.0109% | 3,722 |
| Net interest margin | 2.8625% | 6,878 |
| Noninterest income to average assets | 0.5810% | 3,834 |
| Noninterest expense to average assets | 2.3507% | 6,623 |
| Loan and lease loss provision to assets | 0.0737% | 6,456 |
| Net operating income to assets | 0.5811% | 3,768 |
| Return on assets (ROA) | 0.7274% | 3,248 |
| Pretax return on assets | 0.8691% | 3,450 |
| Return on Equity (ROE) | 6.9434% | 3,226 |
| Retained earnings to average equity (ytd only) | -2.6677% | 5,904 |
| Net charge-offs to loans | 0.5593% | 2,651 |
| Credit loss provision to net charge-offs | 35.4839% | 5,965 |
| Earnings coverage of net charge-offs (x) | 3.7005% | 3,331 |
| Efficiency ratio | 75.3605% | 3,818 |
| Assets per employee ($millions) | 3.6984% | 4,332 |
| Cash dividends to net income (ytd only)* | 138.4211% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8009% | 7,149 |
| Loan loss allowance to noncurrent loans | 157.5179% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 6,193 |
| Noncurrent loans to loans | 0.5085% | 6,253 |
| Net loans and leases to total assets | 40.1865% | 7,542 |
| Net loans and leases to deposits | 45.3637% | 7,660 |
| Net loans and leases to core deposits | 64.8353% | 7,259 |
| Total domestic deposits to total assets | 88.5873% | 1,485 |
| Equity capital to assets | 10.6694% | 3,236 |
| Core capital (leverage) ratio | 9.5018% | 3,883 |
| Tier 1 risk-based capital ratio | 19.5671% | 1,662 |
| Total risk-based capital ratio | 20.2194% | 1,741 |
| Memoranda: | ||
| Average total assets | $208,957,670 | 3,119 |
| Average earning assets | $185,293,330 | 3,197 |
| Average equity | $21,891,330 | 2,983 |
| Average total loans | $77,597,670 | 4,670 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8742% | 7,233 |
| Cost of funding earning assets | 2.0504% | 3,874 |
| Net interest margin | 2.8238% | 6,944 |
| Noninterest income to average assets | 0.5516% | 3,906 |
| Noninterest expense to average assets | 2.1820% | 6,915 |
| Loan and lease loss provision to assets | 0.0019% | 6,741 |
| Net operating income to assets | 0.6676% | 3,720 |
| Return on assets (ROA) | 0.9427% | 2,669 |
| Pretax return on assets | 1.1808% | 2,688 |
| Return on Equity (ROE) | 9.0787% | 2,677 |
| Retained earnings to average equity (ytd only) | -10.0612% | 7,120 |
| Net charge-offs to loans | 0.0479% | 4,812 |
| Credit loss provision to net charge-offs | 11.1111% | 5,183 |
| Earnings coverage of net charge-offs (x) | 49.3333% | 731 |
| Efficiency ratio | 72.2326% | 4,152 |
| Assets per employee ($millions) | 3.9426% | 3,788 |
| Cash dividends to net income (ytd only)* | 210.8216% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 5,785 |
| Loan loss allowance to noncurrent loans | 128.5714% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.5683% | 5,763 |
| Noncurrent loans to loans | 0.8204% | 5,395 |
| Net loans and leases to total assets | 34.8945% | 7,770 |
| Net loans and leases to deposits | 39.2095% | 7,864 |
| Net loans and leases to core deposits | 54.6386% | 7,662 |
| Total domestic deposits to total assets | 88.9949% | 1,229 |
| Equity capital to assets | 10.2155% | 3,751 |
| Core capital (leverage) ratio | 9.3936% | 4,115 |
| Tier 1 risk-based capital ratio | 20.4055% | 1,543 |
| Total risk-based capital ratio | 21.2328% | 1,580 |
| Memoranda: | ||
| Average total assets | $211,729,500 | 3,095 |
| Average earning assets | $185,138,500 | 3,224 |
| Average equity | $21,985,500 | 2,977 |
| Average total loans | $75,194,000 | 4,800 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8251% | 6,358 |
| Cost of funding earning assets | 2.5145% | 4,127 |
| Net interest margin | 3.3106% | 6,000 |
| Noninterest income to average assets | 0.6698% | 3,328 |
| Noninterest expense to average assets | 2.3567% | 6,546 |
| Loan and lease loss provision to assets | 0.0264% | 7,071 |
| Net operating income to assets | 0.9104% | 2,956 |
| Return on assets (ROA) | 1.0528% | 2,234 |
| Pretax return on assets | 1.4148% | 1,927 |
| Return on Equity (ROE) | 10.2162% | 2,179 |
| Retained earnings to average equity (ytd only) | 6.6607% | 1,277 |
| Net charge-offs to loans | 0.1510% | 4,697 |
| Credit loss provision to net charge-offs | 45.7627% | 6,394 |
| Earnings coverage of net charge-offs (x) | 21.6610% | 1,521 |
| Efficiency ratio | 65.3659% | 5,243 |
| Assets per employee ($millions) | 3.8992% | 3,734 |
| Cash dividends to net income (ytd only)* | 34.8028% | 3,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 5,533 |
| Loan loss allowance to noncurrent loans | 625.0000% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 6,086 |
| Noncurrent loans to loans | 0.1700% | 6,881 |
| Net loans and leases to total assets | 35.3847% | 7,854 |
| Net loans and leases to deposits | 39.8992% | 7,941 |
| Net loans and leases to core deposits | 56.3859% | 7,728 |
| Total domestic deposits to total assets | 88.6852% | 1,160 |
| Equity capital to assets | 10.5539% | 3,437 |
| Core capital (leverage) ratio | 9.7890% | 3,662 |
| Tier 1 risk-based capital ratio | 20.7858% | 1,485 |
| Total risk-based capital ratio | 21.6136% | 1,528 |
| Memoranda: | ||
| Average total assets | $204,693,000 | 3,078 |
| Average earning assets | $181,507,000 | 3,165 |
| Average equity | $21,094,000 | 3,086 |
| Average total loans | $78,163,800 | 4,582 |