Home > Southern Bancorp Bank of Trumann > Performance and Condition Ratios
Southern Bancorp Bank of Trumann, 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 | 5.7249% | 1,685 |
| Cost of funding earning assets | 1.4586% | 3,817 |
| Net interest margin | 4.2663% | 1,799 |
| Noninterest income to average assets | 2.3993% | 266 |
| Noninterest expense to average assets | 2.2608% | 6,513 |
| Loan and lease loss provision to assets | 0.0532% | 6,136 |
| Net operating income to assets | 2.4170% | 170 |
| Return on assets (ROA) | 2.4170% | 189 |
| Pretax return on assets | 3.5421% | 97 |
| Return on Equity (ROE) | 13.8246% | 1,086 |
| Retained earnings to average equity (ytd only) | 5.7044% | 2,762 |
| Net charge-offs to loans | 0.0668% | 4,741 |
| Credit loss provision to net charge-offs | 136.3636% | 2,587 |
| Earnings coverage of net charge-offs (x) | 92.0909% | 351 |
| Efficiency ratio | 38.6061% | 7,763 |
| Assets per employee ($millions) | 4.7111% | 2,630 |
| Cash dividends to net income (ytd only)* | 58.7372% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 5,493 |
| Loan loss allowance to noncurrent loans | 106.1995% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.8384% | 5,479 |
| Noncurrent loans to loans | 1.1309% | 5,100 |
| Net loans and leases to total assets | 57.3329% | 5,547 |
| Net loans and leases to deposits | 70.8188% | 5,226 |
| Net loans and leases to core deposits | 82.1722% | 4,463 |
| Total domestic deposits to total assets | 80.9571% | 5,476 |
| Equity capital to assets | 17.5933% | 459 |
| Core capital (leverage) ratio | 8.7253% | 4,979 |
| Tier 1 risk-based capital ratio | 11.2152% | 5,940 |
| Total risk-based capital ratio | 12.2348% | 6,138 |
| Memoranda: | ||
| Average total assets | $112,701,500 | 4,804 |
| Average earning assets | $91,320,500 | 5,125 |
| Average equity | $19,704,000 | 3,236 |
| Average total loans | $65,881,000 | 5,002 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6046% | 7,947 |
| Cost of funding earning assets | 0.3752% | 7,881 |
| Net interest margin | 1.2294% | 7,903 |
| Noninterest income to average assets | 0.4289% | 4,978 |
| Noninterest expense to average assets | 0.5854% | 7,979 |
| Loan and lease loss provision to assets | 0.0896% | 6,716 |
| Net operating income to assets | 0.8163% | 2,471 |
| Return on assets (ROA) | 0.8607% | 2,378 |
| Pretax return on assets | 0.8936% | 2,943 |
| Return on Equity (ROE) | 4.8701% | 3,725 |
| Retained earnings to average equity (ytd only) | -57.8166% | 7,740 |
| Net charge-offs to loans | 0.0488% | 6,608 |
| Credit loss provision to net charge-offs | 279.4118% | 1,219 |
| Earnings coverage of net charge-offs (x) | 29.2353% | 783 |
| Efficiency ratio | 38.4520% | 7,878 |
| Assets per employee ($millions) | 4.6807% | 2,643 |
| Cash dividends to net income (ytd only)* | 1,287.1851% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 5,442 |
| Loan loss allowance to noncurrent loans | 251.2821% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 6,708 |
| Noncurrent loans to loans | 0.4717% | 6,310 |
| Net loans and leases to total assets | 58.1874% | 5,637 |
| Net loans and leases to deposits | 70.7616% | 5,500 |
| Net loans and leases to core deposits | 104.1623% | 3,559 |
| Total domestic deposits to total assets | 82.2303% | 4,849 |
| Equity capital to assets | 17.3727% | 518 |
| Core capital (leverage) ratio | 8.9960% | 4,428 |
| Tier 1 risk-based capital ratio | 12.3025% | 4,680 |
| Total risk-based capital ratio | 13.3381% | 4,829 |
| Memoranda: | ||
| Average total assets | $106,082,200 | 4,924 |
| Average earning assets | $94,352,600 | 4,999 |
| Average equity | $18,747,200 | 3,382 |
| Average total loans | $69,684,600 | 4,872 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1798% | 1,421 |
| Cost of funding earning assets | 1.6875% | 4,963 |
| Net interest margin | 4.4924% | 1,210 |
| Noninterest income to average assets | 0.2857% | 6,186 |
| Noninterest expense to average assets | 2.3574% | 6,536 |
| Loan and lease loss provision to assets | 0.0383% | 6,979 |
| Net operating income to assets | 1.3611% | 1,102 |
| Return on assets (ROA) | 1.3611% | 1,160 |
| Pretax return on assets | 1.9824% | 558 |
| Return on Equity (ROE) | 7.6671% | 2,783 |
| Retained earnings to average equity (ytd only) | 3.7006% | 3,218 |
| Net charge-offs to loans | 0.1285% | 5,413 |
| Credit loss provision to net charge-offs | 44.1176% | 6,383 |
| Earnings coverage of net charge-offs (x) | 23.2953% | 1,126 |
| Efficiency ratio | 53.8462% | 7,250 |
| Assets per employee ($millions) | 4.8229% | 2,366 |
| Cash dividends to net income (ytd only)* | 51.7338% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 6,217 |
| Loan loss allowance to noncurrent loans | 308.0460% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 6,908 |
| Noncurrent loans to loans | 0.3281% | 6,704 |
| Net loans and leases to total assets | 68.0397% | 3,950 |
| Net loans and leases to deposits | 95.3255% | 1,667 |
| Net loans and leases to core deposits | 126.8356% | 1,671 |
| Total domestic deposits to total assets | 71.3762% | 7,293 |
| Equity capital to assets | 16.4130% | 720 |
| Core capital (leverage) ratio | 16.6254% | 598 |
| Tier 1 risk-based capital ratio | 20.1693% | 1,524 |
| Total risk-based capital ratio | 21.1278% | 1,539 |
| Memoranda: | ||
| Average total assets | $104,518,500 | 5,003 |
| Average earning assets | $95,210,500 | 4,997 |
| Average equity | $18,555,000 | 3,443 |
| Average total loans | $70,568,250 | 4,894 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2001% | 1,452 |
| Cost of funding earning assets | 1.8095% | 4,713 |
| Net interest margin | 4.3905% | 1,429 |
| Noninterest income to average assets | 0.2997% | 6,118 |
| Noninterest expense to average assets | 2.3597% | 6,593 |
| Loan and lease loss provision to assets | 0.0298% | 6,949 |
| Net operating income to assets | 1.3039% | 1,221 |
| Return on assets (ROA) | 1.3039% | 1,299 |
| Pretax return on assets | 1.8973% | 700 |
| Return on Equity (ROE) | 7.1385% | 3,145 |
| Retained earnings to average equity (ytd only) | 1.1408% | 4,699 |
| Net charge-offs to loans | 0.1983% | 4,296 |
| Credit loss provision to net charge-offs | 22.3881% | 6,105 |
| Earnings coverage of net charge-offs (x) | 14.4925% | 1,648 |
| Efficiency ratio | 55.0463% | 7,224 |
| Assets per employee ($millions) | 4.2254% | 3,244 |
| Cash dividends to net income (ytd only)* | 84.0183% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 5,531 |
| Loan loss allowance to noncurrent loans | 184.5794% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 6,341 |
| Noncurrent loans to loans | 0.6010% | 6,056 |
| Net loans and leases to total assets | 69.4416% | 3,836 |
| Net loans and leases to deposits | 86.0901% | 3,539 |
| Net loans and leases to core deposits | 112.9847% | 3,019 |
| Total domestic deposits to total assets | 80.6615% | 5,208 |
| Equity capital to assets | 18.2548% | 527 |
| Core capital (leverage) ratio | 16.4688% | 681 |
| Tier 1 risk-based capital ratio | 21.5966% | 1,318 |
| Total risk-based capital ratio | 22.6301% | 1,307 |
| Memoranda: | ||
| Average total assets | $100,774,670 | 5,142 |
| Average earning assets | $91,515,330 | 5,142 |
| Average equity | $18,407,330 | 3,487 |
| Average total loans | $67,571,000 | 5,041 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2269% | 1,509 |
| Cost of funding earning assets | 1.8575% | 4,838 |
| Net interest margin | 4.3694% | 1,426 |
| Noninterest income to average assets | 0.2947% | 6,078 |
| Noninterest expense to average assets | 2.2656% | 6,645 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3618% | 1,228 |
| Return on assets (ROA) | 1.3618% | 1,315 |
| Pretax return on assets | 1.9909% | 672 |
| Return on Equity (ROE) | 7.4530% | 3,401 |
| Retained earnings to average equity (ytd only) | -4.5764% | 6,497 |
| Net charge-offs to loans | 0.0122% | 5,443 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 250.0000% | 172 |
| Efficiency ratio | 53.2273% | 7,291 |
| Assets per employee ($millions) | 4.2537% | 3,162 |
| Cash dividends to net income (ytd only)* | 161.4035% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 4,021 |
| Loan loss allowance to noncurrent loans | 451.6129% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 6,905 |
| Noncurrent loans to loans | 0.2899% | 6,716 |
| Net loans and leases to total assets | 62.0279% | 5,320 |
| Net loans and leases to deposits | 76.5159% | 5,151 |
| Net loans and leases to core deposits | 98.8927% | 4,658 |
| Total domestic deposits to total assets | 81.0654% | 4,939 |
| Equity capital to assets | 17.8630% | 618 |
| Core capital (leverage) ratio | 16.5649% | 706 |
| Tier 1 risk-based capital ratio | 21.4411% | 1,378 |
| Total risk-based capital ratio | 22.5532% | 1,371 |
| Memoranda: | ||
| Average total assets | $100,457,500 | 5,168 |
| Average earning assets | $91,088,500 | 5,182 |
| Average equity | $18,355,000 | 3,505 |
| Average total loans | $65,751,500 | 5,139 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0678% | 972 |
| Cost of funding earning assets | 2.5155% | 4,115 |
| Net interest margin | 4.5523% | 1,308 |
| Noninterest income to average assets | 0.3775% | 5,667 |
| Noninterest expense to average assets | 2.1607% | 7,093 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5817% | 860 |
| Return on assets (ROA) | 1.6315% | 747 |
| Pretax return on assets | 2.4147% | 239 |
| Return on Equity (ROE) | 8.9233% | 2,665 |
| Retained earnings to average equity (ytd only) | 2.0592% | 3,955 |
| Net charge-offs to loans | 0.0136% | 6,710 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 259.1111% | 191 |
| Efficiency ratio | 47.9929% | 7,809 |
| Assets per employee ($millions) | 4.1178% | 3,278 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 4,134 |
| Loan loss allowance to noncurrent loans | 384.4749% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 6,591 |
| Noncurrent loans to loans | 0.3252% | 6,397 |
| Net loans and leases to total assets | 67.2873% | 4,590 |
| Net loans and leases to deposits | 84.3948% | 4,360 |
| Net loans and leases to core deposits | 108.8810% | 3,873 |
| Total domestic deposits to total assets | 79.7292% | 5,121 |
| Equity capital to assets | 18.6933% | 579 |
| Core capital (leverage) ratio | 16.8127% | 721 |
| Tier 1 risk-based capital ratio | 22.1701% | 1,297 |
| Total risk-based capital ratio | 23.3081% | 1,277 |
| Memoranda: | ||
| Average total assets | $99,599,600 | 5,060 |
| Average earning assets | $90,240,000 | 5,072 |
| Average equity | $18,210,800 | 3,521 |
| Average total loans | $66,217,400 | 5,009 |