Home > State Bank of Aurora > Performance and Condition Ratios
State Bank of Aurora, Performance and Condition Ratios
| 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 | 4.7722% | 7,000 |
| Cost of funding earning assets | 1.3298% | 6,208 |
| Net interest margin | 3.4423% | 5,206 |
| Noninterest income to average assets | 0.3212% | 5,790 |
| Noninterest expense to average assets | 3.6675% | 1,986 |
| Loan and lease loss provision to assets | 6.7628% | 74 |
| Net operating income to assets | -6.5620% | 7,865 |
| Return on assets (ROA) | -6.5620% | 7,859 |
| Pretax return on assets | -6.9301% | 7,866 |
| Return on Equity (ROE) | -134.0763% | 7,980 |
| Retained earnings to average equity (ytd only) | -134.0763% | 7,980 |
| Net charge-offs to loans | 7.2331% | 108 |
| Credit loss provision to net charge-offs | 115.6840% | 4,706 |
| Earnings coverage of net charge-offs (x) | -0.0286% | 6,244 |
| Efficiency ratio | 104.7801% | 933 |
| Assets per employee ($millions) | 3.1288% | 5,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6824% | 119 |
| Loan loss allowance to noncurrent loans | 34.6380% | 6,116 |
| Noncurrent assets plus other real estate owned to assets | 14.9899% | 137 |
| Noncurrent loans to loans | 16.4052% | 130 |
| Net loans and leases to total assets | 69.3775% | 3,396 |
| Net loans and leases to deposits | 70.2709% | 5,572 |
| Net loans and leases to core deposits | 78.9110% | 6,190 |
| Total domestic deposits to total assets | 98.7286% | 10 |
| Equity capital to assets | 1.1542% | 7,981 |
| Core capital (leverage) ratio | 1.0410% | 7,981 |
| Tier 1 risk-based capital ratio | 1.5824% | 7,978 |
| Total risk-based capital ratio | 2.8900% | 7,979 |
| Memoranda: | ||
| Average total assets | $29,884,000 | 7,473 |
| Average earning assets | $27,597,600 | 7,441 |
| Average equity | $1,462,600 | 7,937 |
| Average total loans | $24,153,000 | 6,963 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 7,072 |
| Cost of funding earning assets | 1.3467% | 6,407 |
| Net interest margin | 3.4757% | 4,969 |
| Noninterest income to average assets | 0.3167% | 5,946 |
| Noninterest expense to average assets | 3.5933% | 2,037 |
| Loan and lease loss provision to assets | 6.7379% | 81 |
| Net operating income to assets | -6.3069% | 7,943 |
| Return on assets (ROA) | -6.3069% | 7,940 |
| Pretax return on assets | -6.7907% | 7,955 |
| Return on Equity (ROE) | -109.4419% | 8,027 |
| Retained earnings to average equity (ytd only) | -109.4419% | 8,026 |
| Net charge-offs to loans | 3.6833% | 397 |
| Credit loss provision to net charge-offs | 221.7077% | 1,973 |
| Earnings coverage of net charge-offs (x) | -0.0174% | 6,087 |
| Efficiency ratio | 101.4907% | 998 |
| Assets per employee ($millions) | 3.1301% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5225% | 36 |
| Loan loss allowance to noncurrent loans | 48.3246% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 15.0545% | 119 |
| Noncurrent loans to loans | 15.5667% | 134 |
| Net loans and leases to total assets | 76.1492% | 1,972 |
| Net loans and leases to deposits | 78.6364% | 4,631 |
| Net loans and leases to core deposits | 88.1275% | 5,633 |
| Total domestic deposits to total assets | 96.8372% | 19 |
| Equity capital to assets | 3.0350% | 8,030 |
| Core capital (leverage) ratio | 2.7480% | 8,032 |
| Tier 1 risk-based capital ratio | 4.0263% | 8,028 |
| Total risk-based capital ratio | 5.3620% | 8,029 |
| Memoranda: | ||
| Average total assets | $30,315,250 | 7,525 |
| Average earning assets | $28,118,250 | 7,490 |
| Average equity | $1,747,000 | 7,972 |
| Average total loans | $25,013,000 | 6,975 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9108% | 7,008 |
| Cost of funding earning assets | 1.3833% | 6,539 |
| Net interest margin | 3.5275% | 4,669 |
| Noninterest income to average assets | 0.3094% | 6,035 |
| Noninterest expense to average assets | 3.4676% | 2,433 |
| Loan and lease loss provision to assets | 4.9178% | 218 |
| Net operating income to assets | -4.0799% | 7,846 |
| Return on assets (ROA) | -4.0799% | 7,842 |
| Pretax return on assets | -4.7889% | 7,838 |
| Return on Equity (ROE) | -61.9274% | 7,983 |
| Retained earnings to average equity (ytd only) | -61.9274% | 7,979 |
| Net charge-offs to loans | 3.0603% | 536 |
| Credit loss provision to net charge-offs | 194.6429% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.0510% | 5,623 |
| Efficiency ratio | 96.4158% | 1,350 |
| Assets per employee ($millions) | 3.2689% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1774% | 113 |
| Loan loss allowance to noncurrent loans | 41.1898% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 12.3114% | 170 |
| Noncurrent loans to loans | 12.5696% | 199 |
| Net loans and leases to total assets | 79.3100% | 1,455 |
| Net loans and leases to deposits | 85.5033% | 3,646 |
| Net loans and leases to core deposits | 95.9337% | 4,910 |
| Total domestic deposits to total assets | 92.7566% | 116 |
| Equity capital to assets | 5.6356% | 7,982 |
| Core capital (leverage) ratio | 5.3348% | 7,997 |
| Tier 1 risk-based capital ratio | 7.5237% | 7,959 |
| Total risk-based capital ratio | 8.8306% | 7,963 |
| Memoranda: | ||
| Average total assets | $31,030,000 | 7,565 |
| Average earning assets | $28,915,670 | 7,531 |
| Average equity | $2,044,330 | 7,995 |
| Average total loans | $25,618,330 | 6,988 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7127% | 7,490 |
| Cost of funding earning assets | 1.4192% | 6,666 |
| Net interest margin | 3.2935% | 5,515 |
| Noninterest income to average assets | 0.2764% | 6,214 |
| Noninterest expense to average assets | 3.2543% | 2,782 |
| Loan and lease loss provision to assets | 1.9727% | 611 |
| Net operating income to assets | -1.2313% | 7,383 |
| Return on assets (ROA) | -1.2313% | 7,399 |
| Pretax return on assets | -1.8596% | 7,491 |
| Return on Equity (ROE) | -17.5196% | 7,696 |
| Retained earnings to average equity (ytd only) | -17.5196% | 7,567 |
| Net charge-offs to loans | 1.8986% | 761 |
| Credit loss provision to net charge-offs | 126.6129% | 3,146 |
| Earnings coverage of net charge-offs (x) | 0.0726% | 4,923 |
| Efficiency ratio | 96.6418% | 1,285 |
| Assets per employee ($millions) | 3.1783% | 5,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6594% | 285 |
| Loan loss allowance to noncurrent loans | 26.7276% | 6,789 |
| Noncurrent assets plus other real estate owned to assets | 12.2109% | 136 |
| Noncurrent loans to loans | 13.6915% | 125 |
| Net loans and leases to total assets | 77.5320% | 1,925 |
| Net loans and leases to deposits | 83.3768% | 4,079 |
| Net loans and leases to core deposits | 92.5035% | 5,303 |
| Total domestic deposits to total assets | 92.9900% | 88 |
| Equity capital to assets | 6.8810% | 7,731 |
| Core capital (leverage) ratio | 6.9021% | 7,692 |
| Tier 1 risk-based capital ratio | 9.1924% | 7,677 |
| Total risk-based capital ratio | 10.4737% | 7,644 |
| Memoranda: | ||
| Average total assets | $31,835,000 | 7,576 |
| Average earning assets | $29,877,000 | 7,523 |
| Average equity | $2,237,500 | 7,999 |
| Average total loans | $26,124,000 | 7,000 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9243% | 5,927 |
| Cost of funding earning assets | 2.1460% | 5,850 |
| Net interest margin | 3.7782% | 4,109 |
| Noninterest income to average assets | 0.3065% | 6,259 |
| Noninterest expense to average assets | 3.2185% | 3,268 |
| Loan and lease loss provision to assets | 1.9372% | 641 |
| Net operating income to assets | -0.6866% | 7,056 |
| Return on assets (ROA) | -0.6866% | 6,961 |
| Pretax return on assets | -1.2660% | 7,147 |
| Return on Equity (ROE) | -8.7391% | 7,176 |
| Retained earnings to average equity (ytd only) | -13.0306% | 7,332 |
| Net charge-offs to loans | 0.5770% | 2,087 |
| Credit loss provision to net charge-offs | 405.1282% | 1,085 |
| Earnings coverage of net charge-offs (x) | 1.4038% | 5,422 |
| Efficiency ratio | 82.7423% | 2,214 |
| Assets per employee ($millions) | 3.1887% | 5,511 |
| Cash dividends to net income (ytd only)* | -49.1071% | 8,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3858% | 309 |
| Loan loss allowance to noncurrent loans | 32.1696% | 6,581 |
| Noncurrent assets plus other real estate owned to assets | 9.1354% | 213 |
| Noncurrent loans to loans | 10.5249% | 190 |
| Net loans and leases to total assets | 80.8072% | 1,490 |
| Net loans and leases to deposits | 87.2068% | 3,910 |
| Net loans and leases to core deposits | 95.5643% | 5,292 |
| Total domestic deposits to total assets | 92.6616% | 74 |
| Equity capital to assets | 7.1753% | 7,640 |
| Core capital (leverage) ratio | 7.0176% | 7,681 |
| Tier 1 risk-based capital ratio | 9.3556% | 7,455 |
| Total risk-based capital ratio | 10.6371% | 7,351 |
| Memoranda: | ||
| Average total assets | $32,623,600 | 7,527 |
| Average earning assets | $30,940,600 | 7,464 |
| Average equity | $2,563,200 | 7,961 |
| Average total loans | $27,038,200 | 6,893 |