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Suburban Federal Savings Bank, 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 | 6.9013% | 1,391 |
| Cost of funding earning assets | 3.7948% | 205 |
| Net interest margin | 3.1065% | 6,635 |
| Noninterest income to average assets | -2.7026% | 8,298 |
| Noninterest expense to average assets | 3.6657% | 2,017 |
| Loan and lease loss provision to assets | 5.4345% | 85 |
| Net operating income to assets | -8.8372% | 8,239 |
| Return on assets (ROA) | -8.7655% | 8,236 |
| Pretax return on assets | -8.8920% | 8,226 |
| Return on Equity (ROE) | -235.9681% | 8,303 |
| Retained earnings to average equity (ytd only) | -235.9681% | 8,303 |
| Net charge-offs to loans | 3.4667% | 229 |
| Credit loss provision to net charge-offs | 178.5596% | 2,831 |
| Earnings coverage of net charge-offs (x) | -1.1598% | 6,620 |
| Efficiency ratio | 2,698.6275% | 4 |
| Assets per employee ($millions) | 5.7901% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4208% | 748 |
| Loan loss allowance to noncurrent loans | 22.3277% | 7,126 |
| Noncurrent assets plus other real estate owned to assets | 13.5866% | 75 |
| Noncurrent loans to loans | 10.8423% | 177 |
| Net loans and leases to total assets | 85.6730% | 646 |
| Net loans and leases to deposits | 98.6046% | 2,036 |
| Net loans and leases to core deposits | 134.3603% | 1,577 |
| Total domestic deposits to total assets | 86.8854% | 1,991 |
| Equity capital to assets | -0.5714% | 8,302 |
| Core capital (leverage) ratio | -0.5754% | 8,301 |
| Tier 1 risk-based capital ratio | -0.7732% | 8,301 |
| Total risk-based capital ratio | -0.7732% | 8,301 |
| Memoranda: | ||
| Average total assets | $375,450,200 | 1,798 |
| Average earning assets | $343,050,600 | 1,798 |
| Average equity | $13,946,800 | 4,350 |
| Average total loans | $329,622,800 | 1,473 |