Home > Spirit of America National Bank > Performance and Condition Ratios
Spirit of America National Bank, Performance and Condition Ratios
| 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 | 0.2833% | 8,083 |
| Cost of funding earning assets | 0.1111% | 8,051 |
| Net interest margin | 0.1723% | 8,082 |
| Noninterest income to average assets | 64.0447% | 20 |
| Noninterest expense to average assets | 12.0140% | 86 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 32.3292% | 3 |
| Return on assets (ROA) | 32.3292% | 3 |
| Pretax return on assets | 52.1991% | 3 |
| Return on Equity (ROE) | 51.6136% | 18 |
| Retained earnings to average equity (ytd only) | 25.0838% | 28 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.7096% | 8,060 |
| Assets per employee ($millions) | 4.4775% | 2,893 |
| Cash dividends to net income (ytd only)* | 51.4007% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 22.5126% | 8,041 |
| Equity capital to assets | 66.3540% | 40 |
| Core capital (leverage) ratio | 65.0661% | 39 |
| Tier 1 risk-based capital ratio | 314.0592% | 18 |
| Total risk-based capital ratio | 314.0592% | 18 |
| Memoranda: | ||
| Average total assets | $35,624,250 | 7,318 |
| Average earning assets | $34,819,250 | 7,215 |
| Average equity | $22,314,000 | 2,932 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3798% | 8,173 |
| Cost of funding earning assets | 0.1324% | 8,141 |
| Net interest margin | 0.2474% | 8,160 |
| Noninterest income to average assets | 64.5575% | 20 |
| Noninterest expense to average assets | 12.6100% | 86 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 31.5194% | 3 |
| Return on assets (ROA) | 31.5194% | 3 |
| Pretax return on assets | 52.1893% | 3 |
| Return on Equity (ROE) | 51.3438% | 16 |
| Retained earnings to average equity (ytd only) | 38.9018% | 21 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.4601% | 8,144 |
| Assets per employee ($millions) | 4.4624% | 2,821 |
| Cash dividends to net income (ytd only)* | 24.2327% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 21.3731% | 8,129 |
| Equity capital to assets | 66.7134% | 42 |
| Core capital (leverage) ratio | 61.9563% | 45 |
| Tier 1 risk-based capital ratio | 315.6946% | 18 |
| Total risk-based capital ratio | 315.6946% | 18 |
| Memoranda: | ||
| Average total assets | $35,559,000 | 7,385 |
| Average earning assets | $34,756,000 | 7,281 |
| Average equity | $21,829,330 | 2,995 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3689% | 8,231 |
| Cost of funding earning assets | 0.1268% | 8,194 |
| Net interest margin | 0.2421% | 8,218 |
| Noninterest income to average assets | 57.7418% | 21 |
| Noninterest expense to average assets | 13.9874% | 74 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 28.4144% | 6 |
| Return on assets (ROA) | 28.4144% | 6 |
| Pretax return on assets | 43.9911% | 5 |
| Return on Equity (ROE) | 48.3970% | 26 |
| Retained earnings to average equity (ytd only) | 48.3970% | 18 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.1252% | 8,175 |
| Assets per employee ($millions) | 5.0744% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 37.2164% | 8,151 |
| Equity capital to assets | 54.4230% | 61 |
| Core capital (leverage) ratio | 65.1528% | 49 |
| Tier 1 risk-based capital ratio | 306.1530% | 22 |
| Total risk-based capital ratio | 306.1530% | 22 |
| Memoranda: | ||
| Average total assets | $35,489,000 | 7,428 |
| Average earning assets | $34,694,000 | 7,319 |
| Average equity | $20,836,000 | 3,134 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9174% | 8,232 |
| Cost of funding earning assets | 0.9711% | 8,069 |
| Net interest margin | 0.9464% | 8,234 |
| Noninterest income to average assets | 72.7885% | 19 |
| Noninterest expense to average assets | 11.2911% | 118 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 39.8037% | 5 |
| Return on assets (ROA) | 39.8037% | 5 |
| Pretax return on assets | 62.4291% | 6 |
| Return on Equity (ROE) | 67.5748% | 8 |
| Retained earnings to average equity (ytd only) | -1.4855% | 5,736 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.3161% | 8,271 |
| Assets per employee ($millions) | 3.7979% | 3,963 |
| Cash dividends to net income (ytd only)* | 102.1982% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 22.2921% | 8,235 |
| Equity capital to assets | 64.4406% | 48 |
| Core capital (leverage) ratio | 47.7912% | 86 |
| Tier 1 risk-based capital ratio | 366.8229% | 21 |
| Total risk-based capital ratio | 366.8229% | 21 |
| Memoranda: | ||
| Average total assets | $37,029,200 | 7,344 |
| Average earning assets | $36,455,000 | 7,218 |
| Average equity | $21,811,400 | 2,999 |
| Average total loans | NA | NA |