Home > Sun American Bank > Performance and Condition Ratios
Sun American Bank, 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 | 4.7899% | 6,968 |
| Cost of funding earning assets | 2.6734% | 628 |
| Net interest margin | 2.1165% | 7,693 |
| Noninterest income to average assets | 0.0099% | 7,660 |
| Noninterest expense to average assets | 3.5902% | 2,170 |
| Loan and lease loss provision to assets | 5.5676% | 143 |
| Net operating income to assets | -7.1432% | 7,902 |
| Return on assets (ROA) | -6.9892% | 7,890 |
| Pretax return on assets | -6.9892% | 7,871 |
| Return on Equity (ROE) | -138.1074% | 7,983 |
| Retained earnings to average equity (ytd only) | -138.1074% | 7,983 |
| Net charge-offs to loans | 4.2245% | 366 |
| Credit loss provision to net charge-offs | 168.1162% | 2,559 |
| Earnings coverage of net charge-offs (x) | -0.4758% | 6,674 |
| Efficiency ratio | 178.2081% | 192 |
| Assets per employee ($millions) | 4.5400% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5945% | 232 |
| Loan loss allowance to noncurrent loans | 27.1885% | 6,666 |
| Noncurrent assets plus other real estate owned to assets | 15.2726% | 131 |
| Noncurrent loans to loans | 16.8986% | 116 |
| Net loans and leases to total assets | 75.5301% | 1,913 |
| Net loans and leases to deposits | 91.2402% | 2,007 |
| Net loans and leases to core deposits | 122.8935% | 1,720 |
| Total domestic deposits to total assets | 82.7816% | 4,624 |
| Equity capital to assets | 1.6264% | 7,969 |
| Core capital (leverage) ratio | 1.7430% | 7,960 |
| Tier 1 risk-based capital ratio | 2.3292% | 7,962 |
| Total risk-based capital ratio | 3.6211% | 7,964 |
| Memoranda: | ||
| Average total assets | $572,867,400 | 1,210 |
| Average earning assets | $542,602,800 | 1,162 |
| Average equity | $28,991,200 | 2,303 |
| Average total loans | $449,098,000 | 1,068 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9092% | 6,860 |
| Cost of funding earning assets | 2.7712% | 646 |
| Net interest margin | 2.1381% | 7,742 |
| Noninterest income to average assets | 0.0254% | 7,748 |
| Noninterest expense to average assets | 3.5612% | 2,117 |
| Loan and lease loss provision to assets | 6.6931% | 82 |
| Net operating income to assets | -8.2008% | 8,016 |
| Return on assets (ROA) | -7.9943% | 8,009 |
| Pretax return on assets | -7.9943% | 7,997 |
| Return on Equity (ROE) | -136.6348% | 8,054 |
| Retained earnings to average equity (ytd only) | -136.6348% | 8,053 |
| Net charge-offs to loans | 5.2428% | 196 |
| Credit loss provision to net charge-offs | 163.2170% | 2,890 |
| Earnings coverage of net charge-offs (x) | -0.3677% | 6,401 |
| Efficiency ratio | 173.4218% | 220 |
| Assets per employee ($millions) | 5.1882% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1193% | 273 |
| Loan loss allowance to noncurrent loans | 28.0124% | 6,596 |
| Noncurrent assets plus other real estate owned to assets | 13.2853% | 173 |
| Noncurrent loans to loans | 14.7052% | 154 |
| Net loans and leases to total assets | 74.9772% | 2,251 |
| Net loans and leases to deposits | 91.2614% | 2,352 |
| Net loans and leases to core deposits | 114.7913% | 2,752 |
| Total domestic deposits to total assets | 82.1566% | 4,612 |
| Equity capital to assets | 2.5844% | 8,041 |
| Core capital (leverage) ratio | 2.5365% | 8,037 |
| Tier 1 risk-based capital ratio | 3.3834% | 8,036 |
| Total risk-based capital ratio | 4.6674% | 8,040 |
| Memoranda: | ||
| Average total assets | $582,153,250 | 1,200 |
| Average earning assets | $552,197,250 | 1,153 |
| Average equity | $34,060,750 | 1,998 |
| Average total loans | $455,342,750 | 1,070 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9183% | 6,989 |
| Cost of funding earning assets | 2.8727% | 652 |
| Net interest margin | 2.0455% | 7,835 |
| Noninterest income to average assets | 0.0030% | 7,930 |
| Noninterest expense to average assets | 3.3023% | 2,949 |
| Loan and lease loss provision to assets | 5.6171% | 159 |
| Net operating income to assets | -6.9721% | 8,054 |
| Return on assets (ROA) | -6.9734% | 8,044 |
| Pretax return on assets | -6.9734% | 8,025 |
| Return on Equity (ROE) | -101.4570% | 8,078 |
| Retained earnings to average equity (ytd only) | -101.4570% | 8,077 |
| Net charge-offs to loans | 3.6067% | 426 |
| Credit loss provision to net charge-offs | 199.1006% | 2,299 |
| Earnings coverage of net charge-offs (x) | -0.4803% | 6,065 |
| Efficiency ratio | 169.5796% | 290 |
| Assets per employee ($millions) | 4.9776% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2667% | 461 |
| Loan loss allowance to noncurrent loans | 25.8603% | 6,783 |
| Noncurrent assets plus other real estate owned to assets | 10.7068% | 244 |
| Noncurrent loans to loans | 12.6322% | 195 |
| Net loans and leases to total assets | 75.3891% | 2,348 |
| Net loans and leases to deposits | 95.5826% | 1,863 |
| Net loans and leases to core deposits | 119.3975% | 2,420 |
| Total domestic deposits to total assets | 78.8732% | 5,844 |
| Equity capital to assets | 4.8942% | 8,044 |
| Core capital (leverage) ratio | 4.9036% | 8,035 |
| Tier 1 risk-based capital ratio | 6.2438% | 8,046 |
| Total risk-based capital ratio | 7.5176% | 8,053 |
| Memoranda: | ||
| Average total assets | $591,159,670 | 1,205 |
| Average earning assets | $561,903,670 | 1,154 |
| Average equity | $40,632,000 | 1,668 |
| Average total loans | $462,421,670 | 1,078 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9230% | 7,119 |
| Cost of funding earning assets | 3.0006% | 607 |
| Net interest margin | 1.9224% | 7,934 |
| Noninterest income to average assets | -0.0410% | 8,110 |
| Noninterest expense to average assets | 3.2434% | 2,818 |
| Loan and lease loss provision to assets | 1.8544% | 663 |
| Net operating income to assets | -3.3112% | 7,888 |
| Return on assets (ROA) | -3.3139% | 7,891 |
| Pretax return on assets | -3.3139% | 7,811 |
| Return on Equity (ROE) | -42.2644% | 8,013 |
| Retained earnings to average equity (ytd only) | -42.2644% | 7,993 |
| Net charge-offs to loans | 2.5936% | 526 |
| Credit loss provision to net charge-offs | 91.2426% | 3,976 |
| Earnings coverage of net charge-offs (x) | -0.7168% | 5,309 |
| Efficiency ratio | 181.5414% | 237 |
| Assets per employee ($millions) | 5.2271% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 3,701 |
| Loan loss allowance to noncurrent loans | 14.3741% | 7,420 |
| Noncurrent assets plus other real estate owned to assets | 8.2396% | 343 |
| Noncurrent loans to loans | 9.5083% | 321 |
| Net loans and leases to total assets | 75.6102% | 2,361 |
| Net loans and leases to deposits | 98.8325% | 1,554 |
| Net loans and leases to core deposits | 131.2253% | 1,587 |
| Total domestic deposits to total assets | 76.5034% | 6,403 |
| Equity capital to assets | 7.3581% | 7,449 |
| Core capital (leverage) ratio | 7.4249% | 7,247 |
| Tier 1 risk-based capital ratio | 9.1411% | 7,711 |
| Total risk-based capital ratio | 10.3917% | 7,712 |
| Memoranda: | ||
| Average total assets | $595,549,500 | 1,198 |
| Average earning assets | $566,158,000 | 1,153 |
| Average equity | $46,696,500 | 1,480 |
| Average total loans | $466,693,500 | 1,075 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4792% | 3,068 |
| Cost of funding earning assets | 3.0937% | 1,521 |
| Net interest margin | 3.3855% | 5,718 |
| Noninterest income to average assets | 0.2836% | 6,440 |
| Noninterest expense to average assets | 10.0070% | 139 |
| Loan and lease loss provision to assets | 1.5305% | 876 |
| Net operating income to assets | -8.7808% | 8,238 |
| Return on assets (ROA) | -8.6221% | 8,233 |
| Pretax return on assets | -8.0958% | 8,204 |
| Return on Equity (ROE) | -59.2825% | 8,200 |
| Retained earnings to average equity (ytd only) | -59.2825% | 8,187 |
| Net charge-offs to loans | 1.9836% | 544 |
| Credit loss provision to net charge-offs | 100.6273% | 5,270 |
| Earnings coverage of net charge-offs (x) | -4.4207% | 6,817 |
| Efficiency ratio | 88.8440% | 1,600 |
| Assets per employee ($millions) | 5.0426% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 3,262 |
| Loan loss allowance to noncurrent loans | 25.3134% | 6,992 |
| Noncurrent assets plus other real estate owned to assets | 4.9897% | 698 |
| Noncurrent loans to loans | 5.4863% | 745 |
| Net loans and leases to total assets | 78.9889% | 1,890 |
| Net loans and leases to deposits | 105.0198% | 1,230 |
| Net loans and leases to core deposits | 146.1142% | 1,014 |
| Total domestic deposits to total assets | 75.2134% | 6,401 |
| Equity capital to assets | 8.3328% | 6,368 |
| Core capital (leverage) ratio | 8.1788% | 6,205 |
| Tier 1 risk-based capital ratio | 9.7286% | 7,049 |
| Total risk-based capital ratio | 10.9792% | 6,955 |
| Memoranda: | ||
| Average total assets | $618,408,800 | 1,083 |
| Average earning assets | $547,895,800 | 1,125 |
| Average equity | $89,942,200 | 741 |
| Average total loans | $474,195,800 | 1,018 |