Home > Southwest Community Bank > Performance and Condition Ratios
Southwest Community Bank, 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 | 3.7213% | 7,628 |
| Cost of funding earning assets | 2.3176% | 411 |
| Net interest margin | 1.4036% | 7,846 |
| Noninterest income to average assets | 3.4960% | 184 |
| Noninterest expense to average assets | 3.2971% | 2,540 |
| Loan and lease loss provision to assets | 18.7592% | 4 |
| Net operating income to assets | -17.3380% | 7,926 |
| Return on assets (ROA) | -17.3380% | 7,926 |
| Pretax return on assets | -17.3380% | 7,925 |
| Return on Equity (ROE) | -7,243.0427% | 7,933 |
| Retained earnings to average equity (ytd only) | -7,243.0427% | 7,933 |
| Net charge-offs to loans | 21.3485% | 8 |
| Credit loss provision to net charge-offs | 158.0838% | 2,270 |
| Earnings coverage of net charge-offs (x) | 0.1198% | 4,923 |
| Efficiency ratio | 69.8795% | 4,328 |
| Assets per employee ($millions) | 10.0659% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0160% | 57 |
| Loan loss allowance to noncurrent loans | 86.2513% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 13.0629% | 204 |
| Noncurrent loans to loans | 8.1344% | 653 |
| Net loans and leases to total assets | 52.8626% | 6,165 |
| Net loans and leases to deposits | 51.9319% | 7,048 |
| Net loans and leases to core deposits | 85.0859% | 4,037 |
| Total domestic deposits to total assets | 101.7922% | 4 |
| Equity capital to assets | -2.1886% | 7,927 |
| Core capital (leverage) ratio | -1.9153% | 7,928 |
| Tier 1 risk-based capital ratio | -3.1380% | 7,930 |
| Total risk-based capital ratio | -3.1380% | 7,930 |
| Memoranda: | ||
| Average total assets | $112,585,000 | 4,806 |
| Average earning assets | $98,030,500 | 4,930 |
| Average equity | $269,500 | 7,923 |
| Average total loans | $62,580,500 | 5,145 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 7,550 |
| Cost of funding earning assets | 2.4850% | 1,056 |
| Net interest margin | 1.8274% | 7,799 |
| Noninterest income to average assets | -0.2352% | 7,873 |
| Noninterest expense to average assets | 2.9141% | 4,491 |
| Loan and lease loss provision to assets | 2.9632% | 592 |
| Net operating income to assets | -4.0363% | 7,611 |
| Return on assets (ROA) | -4.0363% | 7,609 |
| Pretax return on assets | -4.4288% | 7,628 |
| Return on Equity (ROE) | -86.3661% | 7,890 |
| Retained earnings to average equity (ytd only) | -87.2825% | 7,888 |
| Net charge-offs to loans | 3.2191% | 638 |
| Credit loss provision to net charge-offs | 131.7977% | 3,825 |
| Earnings coverage of net charge-offs (x) | -0.6519% | 6,780 |
| Efficiency ratio | 201.1828% | 138 |
| Assets per employee ($millions) | 6.5532% | 970 |
| Cash dividends to net income (ytd only)* | -1.0612% | 7,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0544% | 740 |
| Loan loss allowance to noncurrent loans | 26.9656% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 12.9378% | 208 |
| Noncurrent loans to loans | 11.3270% | 321 |
| Net loans and leases to total assets | 52.8949% | 6,314 |
| Net loans and leases to deposits | 54.2535% | 7,036 |
| Net loans and leases to core deposits | 100.8066% | 3,921 |
| Total domestic deposits to total assets | 97.4958% | 16 |
| Equity capital to assets | 2.2022% | 7,953 |
| Core capital (leverage) ratio | 2.0576% | 7,951 |
| Tier 1 risk-based capital ratio | 3.5191% | 7,926 |
| Total risk-based capital ratio | 4.7849% | 7,929 |
| Memoranda: | ||
| Average total assets | $128,408,200 | 4,374 |
| Average earning assets | $118,310,000 | 4,348 |
| Average equity | $6,001,200 | 6,604 |
| Average total loans | $89,683,400 | 4,221 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 7,588 |
| Cost of funding earning assets | 2.4650% | 1,396 |
| Net interest margin | 1.9567% | 7,835 |
| Noninterest income to average assets | -0.2205% | 7,987 |
| Noninterest expense to average assets | 2.7638% | 5,047 |
| Loan and lease loss provision to assets | 3.2337% | 427 |
| Net operating income to assets | -2.7401% | 7,525 |
| Return on assets (ROA) | -2.7401% | 7,529 |
| Pretax return on assets | -4.3972% | 7,741 |
| Return on Equity (ROE) | -52.0135% | 7,846 |
| Retained earnings to average equity (ytd only) | -53.0895% | 7,848 |
| Net charge-offs to loans | 1.1984% | 1,696 |
| Credit loss provision to net charge-offs | 367.0175% | 1,103 |
| Earnings coverage of net charge-offs (x) | -1.3205% | 6,686 |
| Efficiency ratio | 172.6980% | 223 |
| Assets per employee ($millions) | 8.1375% | 489 |
| Cash dividends to net income (ytd only)* | -2.0684% | 7,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9185% | 316 |
| Loan loss allowance to noncurrent loans | 39.3998% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 8.8295% | 448 |
| Noncurrent loans to loans | 9.9456% | 399 |
| Net loans and leases to total assets | 57.5853% | 5,955 |
| Net loans and leases to deposits | 59.9885% | 6,829 |
| Net loans and leases to core deposits | 121.6143% | 2,104 |
| Total domestic deposits to total assets | 95.9939% | 25 |
| Equity capital to assets | 3.5890% | 8,017 |
| Core capital (leverage) ratio | 3.4297% | 8,012 |
| Tier 1 risk-based capital ratio | 5.3415% | 7,983 |
| Total risk-based capital ratio | 6.6227% | 7,986 |
| Memoranda: | ||
| Average total assets | $129,382,500 | 4,383 |
| Average earning assets | $120,404,250 | 4,339 |
| Average equity | $6,816,000 | 6,388 |
| Average total loans | $95,120,500 | 4,121 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7003% | 7,390 |
| Cost of funding earning assets | 2.4748% | 1,701 |
| Net interest margin | 2.2256% | 7,734 |
| Noninterest income to average assets | -0.2296% | 8,075 |
| Noninterest expense to average assets | 2.9753% | 4,181 |
| Loan and lease loss provision to assets | 2.2153% | 724 |
| Net operating income to assets | -2.0714% | 7,447 |
| Return on assets (ROA) | -2.0714% | 7,440 |
| Pretax return on assets | -3.3407% | 7,643 |
| Return on Equity (ROE) | -34.9252% | 7,783 |
| Retained earnings to average equity (ytd only) | -36.4248% | 7,790 |
| Net charge-offs to loans | 1.1746% | 1,556 |
| Credit loss provision to net charge-offs | 239.0925% | 1,949 |
| Earnings coverage of net charge-offs (x) | -1.2147% | 6,272 |
| Efficiency ratio | 160.8392% | 321 |
| Assets per employee ($millions) | 6.5178% | 960 |
| Cash dividends to net income (ytd only)* | -4.2935% | 7,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0799% | 1,426 |
| Loan loss allowance to noncurrent loans | 25.2945% | 6,826 |
| Noncurrent assets plus other real estate owned to assets | 8.2351% | 453 |
| Noncurrent loans to loans | 8.2227% | 522 |
| Net loans and leases to total assets | 70.5706% | 3,559 |
| Net loans and leases to deposits | 75.0933% | 5,305 |
| Net loans and leases to core deposits | 137.5473% | 1,126 |
| Total domestic deposits to total assets | 93.9773% | 58 |
| Equity capital to assets | 5.0608% | 8,032 |
| Core capital (leverage) ratio | 5.2953% | 8,002 |
| Tier 1 risk-based capital ratio | 7.2900% | 7,978 |
| Total risk-based capital ratio | 8.5502% | 7,988 |
| Memoranda: | ||
| Average total assets | $123,685,000 | 4,540 |
| Average earning assets | $115,566,670 | 4,471 |
| Average equity | $7,335,670 | 6,251 |
| Average total loans | $97,564,670 | 4,079 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2841% | 5,954 |
| Cost of funding earning assets | 2.4877% | 1,966 |
| Net interest margin | 2.7964% | 6,996 |
| Noninterest income to average assets | -0.3091% | 8,184 |
| Noninterest expense to average assets | 2.5260% | 5,741 |
| Loan and lease loss provision to assets | 1.2497% | 1,027 |
| Net operating income to assets | -0.9772% | 7,246 |
| Return on assets (ROA) | -0.9772% | 7,264 |
| Pretax return on assets | -1.4657% | 7,352 |
| Return on Equity (ROE) | -15.2628% | 7,611 |
| Retained earnings to average equity (ytd only) | -18.1181% | 7,587 |
| Net charge-offs to loans | 0.3260% | 2,786 |
| Credit loss provision to net charge-offs | 464.1975% | 1,146 |
| Earnings coverage of net charge-offs (x) | -0.8025% | 5,325 |
| Efficiency ratio | 109.3525% | 825 |
| Assets per employee ($millions) | 7.1997% | 711 |
| Cash dividends to net income (ytd only)* | -18.7075% | 8,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4514% | 3,221 |
| Loan loss allowance to noncurrent loans | 23.9881% | 6,963 |
| Noncurrent assets plus other real estate owned to assets | 6.1785% | 631 |
| Noncurrent loans to loans | 6.0505% | 785 |
| Net loans and leases to total assets | 76.0761% | 2,251 |
| Net loans and leases to deposits | 81.4652% | 4,377 |
| Net loans and leases to core deposits | 170.9910% | 328 |
| Total domestic deposits to total assets | 93.3847% | 64 |
| Equity capital to assets | 5.8514% | 8,023 |
| Core capital (leverage) ratio | 6.3343% | 7,932 |
| Tier 1 risk-based capital ratio | 7.9427% | 8,020 |
| Total risk-based capital ratio | 9.1959% | 8,040 |
| Memoranda: | ||
| Average total assets | $120,349,500 | 4,644 |
| Average earning assets | $112,714,500 | 4,565 |
| Average equity | $7,705,000 | 6,157 |
| Average total loans | $99,373,500 | 4,055 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8375% | 1,560 |
| Cost of funding earning assets | 3.0670% | 1,611 |
| Net interest margin | 3.7705% | 4,136 |
| Noninterest income to average assets | 0.1087% | 7,591 |
| Noninterest expense to average assets | 2.4550% | 6,185 |
| Loan and lease loss provision to assets | 0.7856% | 1,899 |
| Net operating income to assets | 0.2985% | 5,550 |
| Return on assets (ROA) | 0.2985% | 5,361 |
| Pretax return on assets | 0.3763% | 5,322 |
| Return on Equity (ROE) | 3.8661% | 4,870 |
| Retained earnings to average equity (ytd only) | -0.1243% | 5,313 |
| Net charge-offs to loans | 0.1721% | 4,481 |
| Credit loss provision to net charge-offs | 504.7945% | 861 |
| Earnings coverage of net charge-offs (x) | 7.4658% | 3,103 |
| Efficiency ratio | 67.8750% | 4,745 |
| Assets per employee ($millions) | 6.1725% | 1,051 |
| Cash dividends to net income (ytd only)* | 103.2143% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 4,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5733% | 3,094 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 87.7980% | 389 |
| Net loans and leases to deposits | 112.6811% | 674 |
| Net loans and leases to core deposits | 237.6727% | 80 |
| Total domestic deposits to total assets | 77.9173% | 5,742 |
| Equity capital to assets | 7.0447% | 7,714 |
| Core capital (leverage) ratio | 7.5028% | 7,205 |
| Tier 1 risk-based capital ratio | 8.7951% | 7,912 |
| Total risk-based capital ratio | 10.0448% | 7,972 |
| Memoranda: | ||
| Average total assets | $93,808,600 | 5,232 |
| Average earning assets | $87,283,000 | 5,172 |
| Average equity | $7,242,400 | 6,367 |
| Average total loans | $84,819,000 | 4,371 |