Home > State Bank of Tower > Performance and Condition Ratios
State Bank of Tower, Performance and Condition Ratios
| 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 | 3.3986% | 8,148 |
| Cost of funding earning assets | 1.1304% | 7,992 |
| Net interest margin | 2.2682% | 7,925 |
| Noninterest income to average assets | 0.6859% | 3,208 |
| Noninterest expense to average assets | 1.9424% | 7,547 |
| Loan and lease loss provision to assets | 0.2500% | 4,417 |
| Net operating income to assets | 0.4803% | 4,826 |
| Return on assets (ROA) | 0.4803% | 4,645 |
| Pretax return on assets | 0.4803% | 5,035 |
| Return on Equity (ROE) | 4.1061% | 4,778 |
| Retained earnings to average equity (ytd only) | 4.1061% | 2,577 |
| Net charge-offs to loans | 0.1185% | 5,078 |
| Credit loss provision to net charge-offs | 286.7925% | 1,582 |
| Earnings coverage of net charge-offs (x) | 8.3774% | 2,894 |
| Efficiency ratio | 67.3846% | 4,840 |
| Assets per employee ($millions) | 3.3546% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9440% | 6,427 |
| Loan loss allowance to noncurrent loans | 55.0706% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 1.3791% | 3,430 |
| Noncurrent loans to loans | 1.7142% | 3,196 |
| Net loans and leases to total assets | 70.6235% | 3,877 |
| Net loans and leases to deposits | 85.2102% | 4,222 |
| Net loans and leases to core deposits | 95.5265% | 5,296 |
| Total domestic deposits to total assets | 82.8815% | 3,821 |
| Equity capital to assets | 14.2301% | 1,368 |
| Core capital (leverage) ratio | 7.6265% | 7,040 |
| Tier 1 risk-based capital ratio | 10.5378% | 6,170 |
| Total risk-based capital ratio | 11.5199% | 6,322 |
| Memoranda: | ||
| Average total assets | $60,800,400 | 6,357 |
| Average earning assets | $53,257,800 | 6,452 |
| Average equity | $7,111,400 | 6,419 |
| Average total loans | $44,732,600 | 5,939 |