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Strategic Capital Bank, Performance and Condition Ratios
| 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 | 6.6807% | 600 |
| Cost of funding earning assets | 4.4728% | 9 |
| Net interest margin | 2.2079% | 7,789 |
| Noninterest income to average assets | 0.2485% | 6,469 |
| Noninterest expense to average assets | 1.2643% | 8,093 |
| Loan and lease loss provision to assets | -1.0857% | 8,239 |
| Net operating income to assets | 2.0981% | 289 |
| Return on assets (ROA) | 1.1344% | 1,970 |
| Pretax return on assets | 1.1492% | 2,806 |
| Return on Equity (ROE) | 70.3590% | 14 |
| Retained earnings to average equity (ytd only) | 70.3590% | 11 |
| Net charge-offs to loans | -0.0018% | 7,108 |
| Credit loss provision to net charge-offs | 153,800.0000% | 2 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7117% | 7,248 |
| Assets per employee ($millions) | 18.8474% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2562% | 173 |
| Loan loss allowance to noncurrent loans | 28.0909% | 6,680 |
| Noncurrent assets plus other real estate owned to assets | 6.9112% | 499 |
| Noncurrent loans to loans | 15.1517% | 101 |
| Net loans and leases to total assets | 35.9827% | 7,732 |
| Net loans and leases to deposits | 41.0262% | 7,811 |
| Net loans and leases to core deposits | 42.1928% | 7,941 |
| Total domestic deposits to total assets | 87.7067% | 1,884 |
| Equity capital to assets | 2.3563% | 8,213 |
| Core capital (leverage) ratio | 3.4668% | 8,188 |
| Tier 1 risk-based capital ratio | 4.4801% | 8,190 |
| Total risk-based capital ratio | 5.7391% | 8,187 |
| Memoranda: | ||
| Average total assets | $566,658,000 | 1,254 |
| Average earning assets | $526,832,500 | 1,232 |
| Average equity | $9,136,000 | 5,646 |
| Average total loans | $217,636,000 | 2,197 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3021% | 594 |
| Cost of funding earning assets | 4.4600% | 16 |
| Net interest margin | 2.8421% | 7,267 |
| Noninterest income to average assets | 0.3596% | 5,846 |
| Noninterest expense to average assets | 1.0902% | 8,189 |
| Loan and lease loss provision to assets | 3.6418% | 206 |
| Net operating income to assets | -1.6561% | 7,520 |
| Return on assets (ROA) | -3.8961% | 7,954 |
| Pretax return on assets | -3.9001% | 7,877 |
| Return on Equity (ROE) | -98.3334% | 8,274 |
| Retained earnings to average equity (ytd only) | -98.3334% | 8,270 |
| Net charge-offs to loans | 5.6832% | 70 |
| Credit loss provision to net charge-offs | 173.5188% | 2,937 |
| Earnings coverage of net charge-offs (x) | 0.9442% | 5,660 |
| Efficiency ratio | 34.5257% | 8,204 |
| Assets per employee ($millions) | 17.2571% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4728% | 137 |
| Loan loss allowance to noncurrent loans | 35.5289% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 5.3470% | 614 |
| Noncurrent loans to loans | 12.5892% | 111 |
| Net loans and leases to total assets | 37.4229% | 7,778 |
| Net loans and leases to deposits | 42.8648% | 7,881 |
| Net loans and leases to core deposits | 44.0418% | 7,995 |
| Total domestic deposits to total assets | 87.3044% | 1,796 |
| Equity capital to assets | 0.9191% | 8,293 |
| Core capital (leverage) ratio | 2.8777% | 8,279 |
| Tier 1 risk-based capital ratio | 3.8867% | 8,277 |
| Total risk-based capital ratio | 5.1485% | 8,276 |
| Memoranda: | ||
| Average total assets | $580,627,000 | 1,158 |
| Average earning assets | $554,103,400 | 1,109 |
| Average equity | $23,005,400 | 2,847 |
| Average total loans | $214,422,200 | 2,175 |