Home > Southern Community Bank > Performance and Condition Ratios
Southern Community Bank, Performance and Condition Ratios
| 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 | 4.0288% | 7,983 |
| Cost of funding earning assets | 3.7033% | 88 |
| Net interest margin | 0.3255% | 8,208 |
| Noninterest income to average assets | 0.0478% | 7,846 |
| Noninterest expense to average assets | 2.8465% | 4,356 |
| Loan and lease loss provision to assets | 2.1659% | 545 |
| Net operating income to assets | -4.6833% | 8,022 |
| Return on assets (ROA) | -4.6387% | 8,012 |
| Pretax return on assets | -4.6387% | 7,962 |
| Return on Equity (ROE) | -110.8180% | 8,159 |
| Retained earnings to average equity (ytd only) | -110.8180% | 8,155 |
| Net charge-offs to loans | 12.0790% | 42 |
| Credit loss provision to net charge-offs | 29.1304% | 4,959 |
| Earnings coverage of net charge-offs (x) | -0.3386% | 5,198 |
| Efficiency ratio | 864.8387% | 22 |
| Assets per employee ($millions) | 5.9951% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1947% | 1,090 |
| Loan loss allowance to noncurrent loans | 7.8212% | 7,532 |
| Noncurrent assets plus other real estate owned to assets | 25.9019% | 13 |
| Noncurrent loans to loans | 28.0602% | 14 |
| Net loans and leases to total assets | 58.8577% | 5,826 |
| Net loans and leases to deposits | 73.4224% | 5,552 |
| Net loans and leases to core deposits | 146.1543% | 852 |
| Total domestic deposits to total assets | 80.1630% | 5,302 |
| Equity capital to assets | 3.6794% | 8,177 |
| Core capital (leverage) ratio | 3.5071% | 8,186 |
| Tier 1 risk-based capital ratio | 4.8886% | 8,176 |
| Total risk-based capital ratio | 6.1262% | 8,173 |
| Memoranda: | ||
| Average total assets | $376,743,000 | 1,856 |
| Average earning assets | $325,655,500 | 1,943 |
| Average equity | $15,770,000 | 3,991 |
| Average total loans | $231,907,000 | 2,082 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3402% | 7,551 |
| Cost of funding earning assets | 3.8032% | 199 |
| Net interest margin | 1.5370% | 8,181 |
| Noninterest income to average assets | -0.3183% | 8,246 |
| Noninterest expense to average assets | 2.8585% | 4,570 |
| Loan and lease loss provision to assets | 2.3980% | 447 |
| Net operating income to assets | -4.6619% | 8,061 |
| Return on assets (ROA) | -4.5023% | 8,033 |
| Pretax return on assets | -4.0789% | 7,903 |
| Return on Equity (ROE) | -65.9768% | 8,225 |
| Retained earnings to average equity (ytd only) | -65.9768% | 8,214 |
| Net charge-offs to loans | 2.8664% | 317 |
| Credit loss provision to net charge-offs | 125.6098% | 4,251 |
| Earnings coverage of net charge-offs (x) | -0.9641% | 6,585 |
| Efficiency ratio | 280.7992% | 117 |
| Assets per employee ($millions) | 6.0602% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1110% | 172 |
| Loan loss allowance to noncurrent loans | 17.6336% | 7,323 |
| Noncurrent assets plus other real estate owned to assets | 22.3350% | 20 |
| Noncurrent loans to loans | 23.3136% | 25 |
| Net loans and leases to total assets | 60.3110% | 5,867 |
| Net loans and leases to deposits | 75.3170% | 5,680 |
| Net loans and leases to core deposits | 148.5523% | 908 |
| Total domestic deposits to total assets | 80.0763% | 4,988 |
| Equity capital to assets | 4.6790% | 8,216 |
| Core capital (leverage) ratio | 4.3983% | 8,248 |
| Tier 1 risk-based capital ratio | 6.1846% | 8,220 |
| Total risk-based capital ratio | 7.4310% | 8,226 |
| Memoranda: | ||
| Average total assets | $390,868,800 | 1,734 |
| Average earning assets | $339,821,800 | 1,811 |
| Average equity | $26,673,000 | 2,502 |
| Average total loans | $260,331,000 | 1,832 |