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Sumter Bank and Trust Company, 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 | 6.0750% | 5,172 |
| Cost of funding earning assets | 2.2255% | 5,478 |
| Net interest margin | 3.8494% | 3,797 |
| Noninterest income to average assets | 0.8122% | 2,442 |
| Noninterest expense to average assets | 2.2320% | 6,891 |
| Loan and lease loss provision to assets | 0.3399% | 3,671 |
| Net operating income to assets | 1.2195% | 1,712 |
| Return on assets (ROA) | 1.2195% | 1,660 |
| Pretax return on assets | 1.9198% | 734 |
| Return on Equity (ROE) | 15.6936% | 813 |
| Retained earnings to average equity (ytd only) | -4.2370% | 6,368 |
| Net charge-offs to loans | 0.1852% | 4,350 |
| Credit loss provision to net charge-offs | 250.3571% | 1,859 |
| Earnings coverage of net charge-offs (x) | 16.6429% | 1,828 |
| Efficiency ratio | 49.6923% | 7,682 |
| Assets per employee ($millions) | 4.7495% | 2,243 |
| Cash dividends to net income (ytd only)* | 126.9980% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 2,474 |
| Loan loss allowance to noncurrent loans | 401.2924% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3646% | 6,145 |
| Noncurrent loans to loans | 0.3849% | 6,187 |
| Net loans and leases to total assets | 75.7685% | 2,685 |
| Net loans and leases to deposits | 86.0427% | 4,111 |
| Net loans and leases to core deposits | 125.0877% | 2,243 |
| Total domestic deposits to total assets | 88.0591% | 1,450 |
| Equity capital to assets | 7.6711% | 7,238 |
| Core capital (leverage) ratio | 7.0328% | 7,668 |
| Tier 1 risk-based capital ratio | 8.9391% | 7,823 |
| Total risk-based capital ratio | 10.1922% | 7,833 |
| Memoranda: | ||
| Average total assets | $206,223,800 | 3,051 |
| Average earning assets | $197,120,400 | 2,921 |
| Average equity | $16,025,600 | 3,924 |
| Average total loans | $151,204,800 | 2,906 |