Home > Southwest Capital Bank > Performance and Condition Ratios
Southwest Capital Bank, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4902% | 2,325 |
| Cost of funding earning assets | 1.6082% | 2,024 |
| Net interest margin | 3.8820% | 3,574 |
| Noninterest income to average assets | -0.6178% | 7,582 |
| Noninterest expense to average assets | 3.7750% | 1,535 |
| Loan and lease loss provision to assets | 1.8836% | 723 |
| Net operating income to assets | -2.8487% | 7,261 |
| Return on assets (ROA) | -2.8177% | 7,274 |
| Pretax return on assets | -2.8177% | 7,253 |
| Return on Equity (ROE) | -24.2845% | 7,117 |
| Retained earnings to average equity (ytd only) | -24.2845% | 7,096 |
| Net charge-offs to loans | 2.6224% | 697 |
| Credit loss provision to net charge-offs | 100.0916% | 4,553 |
| Earnings coverage of net charge-offs (x) | -0.5128% | 6,465 |
| Efficiency ratio | 134.3453% | 285 |
| Assets per employee ($millions) | 4.2560% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8422% | 2,711 |
| Loan loss allowance to noncurrent loans | 40.0632% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 4.5252% | 1,477 |
| Noncurrent loans to loans | 4.5983% | 1,530 |
| Net loans and leases to total assets | 70.5708% | 2,399 |
| Net loans and leases to deposits | 80.0875% | 3,159 |
| Net loans and leases to core deposits | 87.0342% | 3,180 |
| Total domestic deposits to total assets | 88.1171% | 2,181 |
| Equity capital to assets | 11.1571% | 2,545 |
| Core capital (leverage) ratio | 10.7258% | 2,361 |
| Tier 1 risk-based capital ratio | 14.5348% | 3,522 |
| Total risk-based capital ratio | 15.7904% | 3,479 |
| Memoranda: | ||
| Average total assets | $116,051,800 | 4,574 |
| Average earning assets | $102,472,600 | 4,657 |
| Average equity | $13,465,400 | 4,268 |
| Average total loans | $83,282,600 | 4,232 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5536% | 2,239 |
| Cost of funding earning assets | 1.6456% | 2,129 |
| Net interest margin | 3.9080% | 3,500 |
| Noninterest income to average assets | -1.0097% | 7,727 |
| Noninterest expense to average assets | 3.8267% | 1,326 |
| Loan and lease loss provision to assets | 2.1913% | 512 |
| Net operating income to assets | -3.5929% | 7,532 |
| Return on assets (ROA) | -3.5517% | 7,537 |
| Pretax return on assets | -3.5517% | 7,505 |
| Return on Equity (ROE) | -30.3225% | 7,388 |
| Retained earnings to average equity (ytd only) | -30.3225% | 7,379 |
| Net charge-offs to loans | 3.0165% | 508 |
| Credit loss provision to net charge-offs | 101.2712% | 4,258 |
| Earnings coverage of net charge-offs (x) | -0.6478% | 6,373 |
| Efficiency ratio | 157.7977% | 170 |
| Assets per employee ($millions) | 4.4586% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8531% | 2,621 |
| Loan loss allowance to noncurrent loans | 40.8142% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 5.3546% | 1,166 |
| Noncurrent loans to loans | 4.5404% | 1,589 |
| Net loans and leases to total assets | 67.9282% | 3,234 |
| Net loans and leases to deposits | 76.9044% | 4,024 |
| Net loans and leases to core deposits | 84.1591% | 3,911 |
| Total domestic deposits to total assets | 88.3281% | 1,777 |
| Equity capital to assets | 10.8230% | 3,146 |
| Core capital (leverage) ratio | 10.6104% | 2,591 |
| Tier 1 risk-based capital ratio | 14.3992% | 3,570 |
| Total risk-based capital ratio | 15.6547% | 3,536 |
| Memoranda: | ||
| Average total assets | $116,336,500 | 4,631 |
| Average earning assets | $102,250,250 | 4,718 |
| Average equity | $13,626,500 | 4,298 |
| Average total loans | $83,449,000 | 4,303 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6431% | 1,969 |
| Cost of funding earning assets | 1.6933% | 2,150 |
| Net interest margin | 3.9498% | 3,240 |
| Noninterest income to average assets | 0.0835% | 7,168 |
| Noninterest expense to average assets | 3.8230% | 1,321 |
| Loan and lease loss provision to assets | 2.1254% | 572 |
| Net operating income to assets | -2.4124% | 7,399 |
| Return on assets (ROA) | -2.3846% | 7,405 |
| Pretax return on assets | -2.3846% | 7,342 |
| Return on Equity (ROE) | -19.8327% | 7,274 |
| Retained earnings to average equity (ytd only) | -19.8327% | 7,253 |
| Net charge-offs to loans | 2.6757% | 617 |
| Credit loss provision to net charge-offs | 109.4002% | 3,730 |
| Earnings coverage of net charge-offs (x) | -0.1477% | 5,842 |
| Efficiency ratio | 108.1161% | 584 |
| Assets per employee ($millions) | 4.1843% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9024% | 2,407 |
| Loan loss allowance to noncurrent loans | 41.4013% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 5.8758% | 1,016 |
| Noncurrent loans to loans | 4.5949% | 1,571 |
| Net loans and leases to total assets | 69.0546% | 3,119 |
| Net loans and leases to deposits | 78.1131% | 3,942 |
| Net loans and leases to core deposits | 85.4110% | 3,916 |
| Total domestic deposits to total assets | 88.4034% | 1,775 |
| Equity capital to assets | 10.8969% | 2,970 |
| Core capital (leverage) ratio | 10.9296% | 2,297 |
| Tier 1 risk-based capital ratio | 14.2752% | 3,559 |
| Total risk-based capital ratio | 15.5318% | 3,527 |
| Memoranda: | ||
| Average total assets | $114,987,670 | 4,680 |
| Average earning assets | $100,512,000 | 4,792 |
| Average equity | $13,825,670 | 4,238 |
| Average total loans | $83,492,670 | 4,339 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6131% | 2,096 |
| Cost of funding earning assets | 1.7695% | 2,013 |
| Net interest margin | 3.8436% | 3,608 |
| Noninterest income to average assets | 0.2182% | 6,396 |
| Noninterest expense to average assets | 3.9568% | 1,092 |
| Loan and lease loss provision to assets | 2.3612% | 453 |
| Net operating income to assets | -2.7583% | 7,602 |
| Return on assets (ROA) | -2.7583% | 7,604 |
| Pretax return on assets | -2.7583% | 7,559 |
| Return on Equity (ROE) | -21.8305% | 7,465 |
| Retained earnings to average equity (ytd only) | -21.8305% | 7,411 |
| Net charge-offs to loans | 3.4848% | 411 |
| Credit loss provision to net charge-offs | 91.7942% | 3,624 |
| Earnings coverage of net charge-offs (x) | -0.1544% | 5,137 |
| Efficiency ratio | 111.1558% | 577 |
| Assets per employee ($millions) | 3.9390% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 2,961 |
| Loan loss allowance to noncurrent loans | 27.9564% | 6,534 |
| Noncurrent assets plus other real estate owned to assets | 7.3793% | 700 |
| Noncurrent loans to loans | 6.1871% | 1,049 |
| Net loans and leases to total assets | 70.2426% | 2,869 |
| Net loans and leases to deposits | 80.1145% | 3,638 |
| Net loans and leases to core deposits | 88.3746% | 3,587 |
| Total domestic deposits to total assets | 87.6778% | 2,248 |
| Equity capital to assets | 11.6486% | 2,267 |
| Core capital (leverage) ratio | 12.4006% | 1,451 |
| Tier 1 risk-based capital ratio | 14.7684% | 3,224 |
| Total risk-based capital ratio | 15.9734% | 3,209 |
| Memoranda: | ||
| Average total assets | $111,808,500 | 4,827 |
| Average earning assets | $97,201,500 | 4,949 |
| Average equity | $14,127,000 | 4,218 |
| Average total loans | $82,529,000 | 4,426 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5501% | 3,873 |
| Cost of funding earning assets | 2.2991% | 1,664 |
| Net interest margin | 3.2510% | 5,929 |
| Noninterest income to average assets | 0.2371% | 6,402 |
| Noninterest expense to average assets | 4.9484% | 539 |
| Loan and lease loss provision to assets | 1.6924% | 1,349 |
| Net operating income to assets | -3.6103% | 7,531 |
| Return on assets (ROA) | -4.2813% | 7,647 |
| Pretax return on assets | -4.2813% | 7,592 |
| Return on Equity (ROE) | -28.6389% | 7,380 |
| Retained earnings to average equity (ytd only) | -28.6389% | 7,361 |
| Net charge-offs to loans | 1.9737% | 1,246 |
| Credit loss provision to net charge-offs | 123.0286% | 4,298 |
| Earnings coverage of net charge-offs (x) | -1.3943% | 6,943 |
| Efficiency ratio | 163.2879% | 238 |
| Assets per employee ($millions) | 3.2953% | 5,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8860% | 2,296 |
| Loan loss allowance to noncurrent loans | 63.2017% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 5.4387% | 1,081 |
| Noncurrent loans to loans | 2.9842% | 2,575 |
| Net loans and leases to total assets | 74.9867% | 2,036 |
| Net loans and leases to deposits | 90.7413% | 2,090 |
| Net loans and leases to core deposits | 138.6693% | 854 |
| Total domestic deposits to total assets | 82.6379% | 4,687 |
| Equity capital to assets | 13.7404% | 1,242 |
| Core capital (leverage) ratio | 13.4073% | 1,120 |
| Tier 1 risk-based capital ratio | 16.3179% | 2,392 |
| Total risk-based capital ratio | 17.5407% | 2,342 |
| Memoranda: | ||
| Average total assets | $104,174,600 | 4,977 |
| Average earning assets | $89,511,600 | 5,138 |
| Average equity | $15,573,200 | 3,950 |
| Average total loans | $72,604,200 | 4,778 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4451% | 4,710 |
| Cost of funding earning assets | 2.3756% | 1,721 |
| Net interest margin | 3.0695% | 6,402 |
| Noninterest income to average assets | 0.2375% | 6,528 |
| Noninterest expense to average assets | 5.1442% | 442 |
| Loan and lease loss provision to assets | 1.7896% | 1,034 |
| Net operating income to assets | -4.0671% | 7,760 |
| Return on assets (ROA) | -4.9850% | 7,839 |
| Pretax return on assets | -4.9850% | 7,808 |
| Return on Equity (ROE) | -32.6756% | 7,656 |
| Retained earnings to average equity (ytd only) | -32.6756% | 7,647 |
| Net charge-offs to loans | 2.3774% | 776 |
| Credit loss provision to net charge-offs | 110.7228% | 4,593 |
| Earnings coverage of net charge-offs (x) | -1.4091% | 6,691 |
| Efficiency ratio | 179.4447% | 204 |
| Assets per employee ($millions) | 3.4513% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7666% | 2,393 |
| Loan loss allowance to noncurrent loans | 62.0609% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 4.3620% | 1,415 |
| Noncurrent loans to loans | 2.8466% | 2,669 |
| Net loans and leases to total assets | 64.6891% | 4,714 |
| Net loans and leases to deposits | 75.4431% | 5,133 |
| Net loans and leases to core deposits | 115.3799% | 2,681 |
| Total domestic deposits to total assets | 85.7455% | 2,834 |
| Equity capital to assets | 13.2509% | 1,597 |
| Core capital (leverage) ratio | 13.1922% | 1,324 |
| Tier 1 risk-based capital ratio | 17.6957% | 2,076 |
| Total risk-based capital ratio | 18.9175% | 2,030 |
| Memoranda: | ||
| Average total assets | $103,856,250 | 5,022 |
| Average earning assets | $88,957,750 | 5,196 |
| Average equity | $15,844,250 | 3,946 |
| Average total loans | $70,607,250 | 4,893 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4870% | 4,708 |
| Cost of funding earning assets | 2.3956% | 1,985 |
| Net interest margin | 3.0914% | 6,274 |
| Noninterest income to average assets | 0.2507% | 6,495 |
| Noninterest expense to average assets | 5.6870% | 355 |
| Loan and lease loss provision to assets | 1.1302% | 1,519 |
| Net operating income to assets | -3.9319% | 7,819 |
| Return on assets (ROA) | -5.5278% | 7,966 |
| Pretax return on assets | -5.5278% | 7,920 |
| Return on Equity (ROE) | -34.5200% | 7,778 |
| Retained earnings to average equity (ytd only) | -34.5200% | 7,755 |
| Net charge-offs to loans | 1.6343% | 1,159 |
| Credit loss provision to net charge-offs | 100.5310% | 4,539 |
| Earnings coverage of net charge-offs (x) | -2.4920% | 6,383 |
| Efficiency ratio | 197.1034% | 205 |
| Assets per employee ($millions) | 3.3541% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6322% | 2,606 |
| Loan loss allowance to noncurrent loans | 103.5590% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 3.7214% | 1,648 |
| Noncurrent loans to loans | 1.5761% | 4,135 |
| Net loans and leases to total assets | 64.9582% | 4,769 |
| Net loans and leases to deposits | 76.2086% | 5,139 |
| Net loans and leases to core deposits | 119.2671% | 2,431 |
| Total domestic deposits to total assets | 85.2374% | 3,141 |
| Equity capital to assets | 13.8736% | 1,360 |
| Core capital (leverage) ratio | 14.2284% | 1,089 |
| Tier 1 risk-based capital ratio | 17.2855% | 2,215 |
| Total risk-based capital ratio | 18.4176% | 2,186 |
| Memoranda: | ||
| Average total assets | $100,510,330 | 5,149 |
| Average earning assets | $85,657,670 | 5,351 |
| Average equity | $16,095,000 | 3,900 |
| Average total loans | $69,142,330 | 4,993 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6465% | 4,073 |
| Cost of funding earning assets | 2.3113% | 2,646 |
| Net interest margin | 3.3352% | 5,384 |
| Noninterest income to average assets | 0.2264% | 6,650 |
| Noninterest expense to average assets | 5.6255% | 342 |
| Loan and lease loss provision to assets | 1.6306% | 764 |
| Net operating income to assets | -4.2170% | 7,998 |
| Return on assets (ROA) | -4.2170% | 7,992 |
| Pretax return on assets | -4.2170% | 7,929 |
| Return on Equity (ROE) | -24.4405% | 7,834 |
| Retained earnings to average equity (ytd only) | -24.4405% | 7,759 |
| Net charge-offs to loans | 2.4357% | 585 |
| Credit loss provision to net charge-offs | 95.1100% | 3,890 |
| Earnings coverage of net charge-offs (x) | -1.5086% | 5,429 |
| Efficiency ratio | 185.1034% | 224 |
| Assets per employee ($millions) | 3.0560% | 6,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6950% | 2,165 |
| Loan loss allowance to noncurrent loans | 108.5343% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.9455% | 2,989 |
| Noncurrent loans to loans | 1.5618% | 3,941 |
| Net loans and leases to total assets | 67.2844% | 4,293 |
| Net loans and leases to deposits | 80.6358% | 4,512 |
| Net loans and leases to core deposits | 119.7434% | 2,437 |
| Total domestic deposits to total assets | 83.4424% | 3,937 |
| Equity capital to assets | 15.7534% | 919 |
| Core capital (leverage) ratio | 17.9362% | 564 |
| Tier 1 risk-based capital ratio | 20.0420% | 1,614 |
| Total risk-based capital ratio | 21.2085% | 1,589 |
| Memoranda: | ||
| Average total assets | $95,423,000 | 5,318 |
| Average earning assets | $80,474,000 | 5,538 |
| Average equity | $16,464,500 | 3,849 |
| Average total loans | $67,167,500 | 5,088 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7565% | 6,571 |
| Cost of funding earning assets | 2.4001% | 4,717 |
| Net interest margin | 3.3564% | 5,844 |
| Noninterest income to average assets | 0.1781% | 7,167 |
| Noninterest expense to average assets | 6.6031% | 321 |
| Loan and lease loss provision to assets | 1.7638% | 719 |
| Net operating income to assets | -5.2727% | 8,104 |
| Return on assets (ROA) | -5.2727% | 8,097 |
| Pretax return on assets | -5.2727% | 8,050 |
| Return on Equity (ROE) | -26.2109% | 7,885 |
| Retained earnings to average equity (ytd only) | -26.2109% | 7,832 |
| Net charge-offs to loans | 1.4420% | 808 |
| Credit loss provision to net charge-offs | 187.7984% | 2,636 |
| Earnings coverage of net charge-offs (x) | -3.7361% | 6,797 |
| Efficiency ratio | 213.4058% | 182 |
| Assets per employee ($millions) | 2.3076% | 7,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8221% | 1,581 |
| Loan loss allowance to noncurrent loans | 170.9770% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 1.7967% | 2,732 |
| Noncurrent loans to loans | 1.0657% | 4,444 |
| Net loans and leases to total assets | 71.2460% | 3,737 |
| Net loans and leases to deposits | 89.2651% | 3,584 |
| Net loans and leases to core deposits | 132.6712% | 1,676 |
| Total domestic deposits to total assets | 79.8140% | 5,097 |
| Equity capital to assets | 18.9360% | 552 |
| Core capital (leverage) ratio | 20.1372% | 437 |
| Tier 1 risk-based capital ratio | 23.0362% | 1,187 |
| Total risk-based capital ratio | 24.2907% | 1,162 |
| Memoranda: | ||
| Average total assets | $80,280,800 | 5,695 |
| Average earning assets | $69,747,000 | 5,829 |
| Average equity | $16,149,800 | 3,900 |
| Average total loans | $52,288,200 | 5,606 |