Home > Superior Bank > Performance and Condition Ratios
Superior Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1094% | 2,603 |
| Cost of funding earning assets | 1.6622% | 647 |
| Net interest margin | 3.4472% | 5,238 |
| Noninterest income to average assets | 0.1571% | 6,597 |
| Noninterest expense to average assets | 4.2979% | 729 |
| Loan and lease loss provision to assets | 3.5399% | 127 |
| Net operating income to assets | -4.6426% | 7,477 |
| Return on assets (ROA) | -4.7231% | 7,480 |
| Pretax return on assets | -4.7349% | 7,471 |
| Return on Equity (ROE) | -9,151.5858% | 7,574 |
| Retained earnings to average equity (ytd only) | -9,151.5858% | 7,574 |
| Net charge-offs to loans | 2.6613% | 412 |
| Credit loss provision to net charge-offs | 178.9584% | 1,636 |
| Earnings coverage of net charge-offs (x) | -0.5635% | 4,815 |
| Efficiency ratio | 131.3801% | 253 |
| Assets per employee ($millions) | 3.8566% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4573% | 630 |
| Loan loss allowance to noncurrent loans | 24.8275% | 6,553 |
| Noncurrent assets plus other real estate owned to assets | 12.7100% | 227 |
| Noncurrent loans to loans | 13.9254% | 185 |
| Net loans and leases to total assets | 70.3463% | 2,064 |
| Net loans and leases to deposits | 76.5446% | 3,325 |
| Net loans and leases to core deposits | 86.1275% | 2,856 |
| Total domestic deposits to total assets | 91.9024% | 312 |
| Equity capital to assets | -0.5183% | 7,570 |
| Core capital (leverage) ratio | -0.7606% | 7,570 |
| Tier 1 risk-based capital ratio | -1.0043% | 7,570 |
| Total risk-based capital ratio | -1.0043% | 7,570 |
| Memoranda: | ||
| Average total assets | $2,993,658,500 | 238 |
| Average earning assets | $2,628,011,000 | 241 |
| Average equity | $1,545,000 | 7,478 |
| Average total loans | $2,225,085,000 | 220 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3398% | 2,934 |
| Cost of funding earning assets | 1.8927% | 866 |
| Net interest margin | 3.4472% | 5,447 |
| Noninterest income to average assets | 0.2661% | 5,884 |
| Noninterest expense to average assets | 3.5730% | 1,991 |
| Loan and lease loss provision to assets | 6.9422% | 28 |
| Net operating income to assets | -8.1874% | 7,620 |
| Return on assets (ROA) | -8.1695% | 7,620 |
| Pretax return on assets | -7.1731% | 7,610 |
| Return on Equity (ROE) | -149.1054% | 7,635 |
| Retained earnings to average equity (ytd only) | -149.1054% | 7,635 |
| Net charge-offs to loans | 7.6318% | 43 |
| Credit loss provision to net charge-offs | 119.0933% | 3,562 |
| Earnings coverage of net charge-offs (x) | -0.0427% | 6,165 |
| Efficiency ratio | 103.8419% | 680 |
| Assets per employee ($millions) | 3.6529% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7761% | 1,087 |
| Loan loss allowance to noncurrent loans | 23.7848% | 6,664 |
| Noncurrent assets plus other real estate owned to assets | 11.0661% | 347 |
| Noncurrent loans to loans | 11.6715% | 311 |
| Net loans and leases to total assets | 73.6684% | 1,730 |
| Net loans and leases to deposits | 81.9026% | 2,826 |
| Net loans and leases to core deposits | 94.3943% | 2,213 |
| Total domestic deposits to total assets | 89.9463% | 1,129 |
| Equity capital to assets | 0.6153% | 7,640 |
| Core capital (leverage) ratio | 0.4000% | 7,645 |
| Tier 1 risk-based capital ratio | 0.5128% | 7,644 |
| Total risk-based capital ratio | 1.0256% | 7,644 |
| Memoranda: | ||
| Average total assets | $3,218,171,000 | 235 |
| Average earning assets | $2,854,952,800 | 233 |
| Average equity | $176,323,600 | 396 |
| Average total loans | $2,458,076,400 | 210 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3516% | 3,112 |
| Cost of funding earning assets | 1.9272% | 941 |
| Net interest margin | 3.4243% | 5,588 |
| Noninterest income to average assets | 0.4125% | 4,858 |
| Noninterest expense to average assets | 3.3980% | 2,303 |
| Loan and lease loss provision to assets | 6.5885% | 35 |
| Net operating income to assets | -7.7113% | 7,725 |
| Return on assets (ROA) | -7.6766% | 7,726 |
| Pretax return on assets | -6.4974% | 7,699 |
| Return on Equity (ROE) | -116.3440% | 7,705 |
| Retained earnings to average equity (ytd only) | -116.3440% | 7,705 |
| Net charge-offs to loans | 7.5006% | 51 |
| Credit loss provision to net charge-offs | 114.7902% | 3,643 |
| Earnings coverage of net charge-offs (x) | 0.0098% | 6,022 |
| Efficiency ratio | 94.9189% | 950 |
| Assets per employee ($millions) | 3.7970% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0161% | 2,180 |
| Loan loss allowance to noncurrent loans | 17.4144% | 6,990 |
| Noncurrent assets plus other real estate owned to assets | 10.6076% | 357 |
| Noncurrent loans to loans | 11.5772% | 318 |
| Net loans and leases to total assets | 74.2424% | 1,749 |
| Net loans and leases to deposits | 84.5022% | 2,617 |
| Net loans and leases to core deposits | 101.1262% | 1,736 |
| Total domestic deposits to total assets | 87.8586% | 2,046 |
| Equity capital to assets | 3.0082% | 7,694 |
| Core capital (leverage) ratio | 2.6327% | 7,694 |
| Tier 1 risk-based capital ratio | 3.3759% | 7,702 |
| Total risk-based capital ratio | 5.0416% | 7,693 |
| Memoranda: | ||
| Average total assets | $3,270,207,000 | 227 |
| Average earning assets | $2,904,929,250 | 228 |
| Average equity | $215,774,250 | 320 |
| Average total loans | $2,502,407,250 | 206 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4074% | 2,942 |
| Cost of funding earning assets | 1.9367% | 1,087 |
| Net interest margin | 3.4707% | 5,364 |
| Noninterest income to average assets | 0.4375% | 4,630 |
| Noninterest expense to average assets | 3.2752% | 2,644 |
| Loan and lease loss provision to assets | 3.5989% | 239 |
| Net operating income to assets | -3.4060% | 7,568 |
| Return on assets (ROA) | -3.3359% | 7,558 |
| Pretax return on assets | -3.2836% | 7,511 |
| Return on Equity (ROE) | -43.0824% | 7,557 |
| Retained earnings to average equity (ytd only) | -43.0824% | 7,550 |
| Net charge-offs to loans | 4.3157% | 282 |
| Credit loss provision to net charge-offs | 108.6397% | 3,750 |
| Earnings coverage of net charge-offs (x) | 0.0741% | 5,650 |
| Efficiency ratio | 89.6843% | 1,364 |
| Assets per employee ($millions) | 4.0435% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 5,011 |
| Loan loss allowance to noncurrent loans | 13.9238% | 7,172 |
| Noncurrent assets plus other real estate owned to assets | 8.2165% | 589 |
| Noncurrent loans to loans | 9.2243% | 509 |
| Net loans and leases to total assets | 73.7994% | 1,951 |
| Net loans and leases to deposits | 87.1336% | 2,316 |
| Net loans and leases to core deposits | 100.2080% | 1,995 |
| Total domestic deposits to total assets | 84.6968% | 3,771 |
| Equity capital to assets | 6.7513% | 7,425 |
| Core capital (leverage) ratio | 5.6411% | 7,535 |
| Tier 1 risk-based capital ratio | 7.2203% | 7,582 |
| Total risk-based capital ratio | 8.8491% | 7,560 |
| Memoranda: | ||
| Average total assets | $3,305,967,330 | 229 |
| Average earning assets | $2,936,693,330 | 228 |
| Average equity | $255,983,670 | 288 |
| Average total loans | $2,537,693,330 | 203 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4917% | 2,628 |
| Cost of funding earning assets | 1.9609% | 1,206 |
| Net interest margin | 3.5308% | 5,035 |
| Noninterest income to average assets | 0.4623% | 4,364 |
| Noninterest expense to average assets | 3.2319% | 2,752 |
| Loan and lease loss provision to assets | 1.1127% | 1,103 |
| Net operating income to assets | -0.5677% | 6,873 |
| Return on assets (ROA) | -0.5858% | 6,919 |
| Pretax return on assets | -0.7783% | 6,939 |
| Return on Equity (ROE) | -7.1005% | 7,005 |
| Retained earnings to average equity (ytd only) | -7.1005% | 6,754 |
| Net charge-offs to loans | 2.2913% | 737 |
| Credit loss provision to net charge-offs | 62.4325% | 4,252 |
| Earnings coverage of net charge-offs (x) | 0.2012% | 4,860 |
| Efficiency ratio | 86.7063% | 1,717 |
| Assets per employee ($millions) | 4.0205% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8614% | 6,953 |
| Loan loss allowance to noncurrent loans | 12.3635% | 7,280 |
| Noncurrent assets plus other real estate owned to assets | 6.7058% | 829 |
| Noncurrent loans to loans | 6.9669% | 857 |
| Net loans and leases to total assets | 75.7984% | 1,586 |
| Net loans and leases to deposits | 91.9289% | 1,621 |
| Net loans and leases to core deposits | 109.1055% | 1,346 |
| Total domestic deposits to total assets | 82.4533% | 4,868 |
| Equity capital to assets | 8.0463% | 6,603 |
| Core capital (leverage) ratio | 7.1799% | 7,118 |
| Tier 1 risk-based capital ratio | 8.9140% | 7,495 |
| Total risk-based capital ratio | 10.1138% | 7,526 |
| Memoranda: | ||
| Average total assets | $3,280,901,500 | 236 |
| Average earning assets | $2,906,801,500 | 238 |
| Average equity | $270,685,500 | 276 |
| Average total loans | $2,552,037,500 | 207 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7855% | 2,717 |
| Cost of funding earning assets | 2.3307% | 1,533 |
| Net interest margin | 3.4549% | 5,152 |
| Noninterest income to average assets | 0.4135% | 5,093 |
| Noninterest expense to average assets | 3.1492% | 3,551 |
| Loan and lease loss provision to assets | 0.9051% | 2,485 |
| Net operating income to assets | -0.3135% | 5,991 |
| Return on assets (ROA) | -0.4842% | 6,154 |
| Pretax return on assets | -0.8411% | 6,300 |
| Return on Equity (ROE) | -5.3320% | 6,241 |
| Retained earnings to average equity (ytd only) | -7.4267% | 6,284 |
| Net charge-offs to loans | 1.0052% | 2,403 |
| Credit loss provision to net charge-offs | 115.1204% | 4,742 |
| Earnings coverage of net charge-offs (x) | 0.4205% | 5,682 |
| Efficiency ratio | 86.5260% | 2,053 |
| Assets per employee ($millions) | 3.9087% | 4,005 |
| Cash dividends to net income (ytd only)* | -39.2850% | 7,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 6,003 |
| Loan loss allowance to noncurrent loans | 17.2323% | 7,177 |
| Noncurrent assets plus other real estate owned to assets | 6.2332% | 889 |
| Noncurrent loans to loans | 6.2580% | 981 |
| Net loans and leases to total assets | 78.3083% | 1,319 |
| Net loans and leases to deposits | 94.8563% | 1,486 |
| Net loans and leases to core deposits | 118.1397% | 2,113 |
| Total domestic deposits to total assets | 82.5546% | 4,723 |
| Equity capital to assets | 8.4620% | 5,948 |
| Core capital (leverage) ratio | 7.7917% | 6,461 |
| Tier 1 risk-based capital ratio | 9.2954% | 7,334 |
| Total risk-based capital ratio | 10.6937% | 7,241 |
| Memoranda: | ||
| Average total assets | $3,154,337,400 | 236 |
| Average earning assets | $2,799,656,600 | 240 |
| Average equity | $286,438,600 | 263 |
| Average total loans | $2,467,339,600 | 217 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7991% | 2,899 |
| Cost of funding earning assets | 2.4097% | 1,604 |
| Net interest margin | 3.3894% | 5,317 |
| Noninterest income to average assets | 0.5527% | 4,060 |
| Noninterest expense to average assets | 3.0620% | 3,798 |
| Loan and lease loss provision to assets | 0.6205% | 2,911 |
| Net operating income to assets | -0.0015% | 5,708 |
| Return on assets (ROA) | -0.2140% | 6,100 |
| Pretax return on assets | -0.4479% | 6,246 |
| Return on Equity (ROE) | -2.3165% | 6,140 |
| Retained earnings to average equity (ytd only) | -4.3860% | 6,170 |
| Net charge-offs to loans | 0.8220% | 2,319 |
| Credit loss provision to net charge-offs | 96.8048% | 5,276 |
| Earnings coverage of net charge-offs (x) | 0.7873% | 5,267 |
| Efficiency ratio | 81.9543% | 2,584 |
| Assets per employee ($millions) | 4.0237% | 3,680 |
| Cash dividends to net income (ytd only)* | -89.3389% | 7,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 6,640 |
| Loan loss allowance to noncurrent loans | 15.2434% | 7,322 |
| Noncurrent assets plus other real estate owned to assets | 6.0735% | 878 |
| Noncurrent loans to loans | 6.0877% | 962 |
| Net loans and leases to total assets | 77.4465% | 1,680 |
| Net loans and leases to deposits | 94.6971% | 1,767 |
| Net loans and leases to core deposits | 117.9447% | 2,420 |
| Total domestic deposits to total assets | 81.7834% | 4,776 |
| Equity capital to assets | 8.8760% | 5,666 |
| Core capital (leverage) ratio | 8.3244% | 5,802 |
| Tier 1 risk-based capital ratio | 10.0157% | 6,965 |
| Total risk-based capital ratio | 11.2707% | 6,913 |
| Memoranda: | ||
| Average total assets | $3,137,737,500 | 249 |
| Average earning assets | $2,790,219,500 | 250 |
| Average equity | $289,913,250 | 268 |
| Average total loans | $2,446,774,750 | 231 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8208% | 2,954 |
| Cost of funding earning assets | 2.4811% | 1,674 |
| Net interest margin | 3.3397% | 5,404 |
| Noninterest income to average assets | 0.5177% | 4,290 |
| Noninterest expense to average assets | 3.1045% | 3,685 |
| Loan and lease loss provision to assets | 0.6058% | 2,630 |
| Net operating income to assets | -0.1636% | 6,125 |
| Return on assets (ROA) | -0.2889% | 6,330 |
| Pretax return on assets | -0.3993% | 6,324 |
| Return on Equity (ROE) | -3.0850% | 6,368 |
| Retained earnings to average equity (ytd only) | -5.1421% | 6,321 |
| Net charge-offs to loans | 0.8668% | 1,959 |
| Credit loss provision to net charge-offs | 89.6939% | 4,937 |
| Earnings coverage of net charge-offs (x) | 0.5633% | 5,150 |
| Efficiency ratio | 85.0662% | 2,349 |
| Assets per employee ($millions) | 3.9722% | 3,732 |
| Cash dividends to net income (ytd only)* | -66.6815% | 8,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 6,762 |
| Loan loss allowance to noncurrent loans | 19.2474% | 7,173 |
| Noncurrent assets plus other real estate owned to assets | 4.7736% | 1,149 |
| Noncurrent loans to loans | 4.6832% | 1,352 |
| Net loans and leases to total assets | 78.0052% | 1,740 |
| Net loans and leases to deposits | 95.6152% | 1,858 |
| Net loans and leases to core deposits | 118.3712% | 2,512 |
| Total domestic deposits to total assets | 81.5824% | 4,865 |
| Equity capital to assets | 8.9966% | 5,325 |
| Core capital (leverage) ratio | 8.3649% | 5,687 |
| Tier 1 risk-based capital ratio | 9.9398% | 6,994 |
| Total risk-based capital ratio | 11.1630% | 6,957 |
| Memoranda: | ||
| Average total assets | $3,114,696,000 | 257 |
| Average earning assets | $2,767,396,670 | 257 |
| Average equity | $291,670,670 | 269 |
| Average total loans | $2,426,744,670 | 241 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8161% | 3,222 |
| Cost of funding earning assets | 2.5485% | 1,742 |
| Net interest margin | 3.2676% | 5,626 |
| Noninterest income to average assets | 0.4238% | 5,013 |
| Noninterest expense to average assets | 2.9844% | 3,840 |
| Loan and lease loss provision to assets | 0.4490% | 2,671 |
| Net operating income to assets | -0.0743% | 6,370 |
| Return on assets (ROA) | 0.0537% | 6,269 |
| Pretax return on assets | 0.0743% | 6,224 |
| Return on Equity (ROE) | 0.5622% | 6,262 |
| Retained earnings to average equity (ytd only) | -1.4797% | 5,997 |
| Net charge-offs to loans | 0.8951% | 1,466 |
| Credit loss provision to net charge-offs | 64.7290% | 4,444 |
| Earnings coverage of net charge-offs (x) | 0.4980% | 4,587 |
| Efficiency ratio | 85.3672% | 2,145 |
| Assets per employee ($millions) | 3.8376% | 4,000 |
| Cash dividends to net income (ytd only)* | 363.1961% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 6,716 |
| Loan loss allowance to noncurrent loans | 29.4532% | 6,589 |
| Noncurrent assets plus other real estate owned to assets | 3.1960% | 1,737 |
| Noncurrent loans to loans | 3.0793% | 2,109 |
| Net loans and leases to total assets | 76.6619% | 2,125 |
| Net loans and leases to deposits | 95.2195% | 2,078 |
| Net loans and leases to core deposits | 118.1956% | 2,578 |
| Total domestic deposits to total assets | 80.5107% | 5,165 |
| Equity capital to assets | 9.4308% | 4,770 |
| Core capital (leverage) ratio | 8.7942% | 4,998 |
| Tier 1 risk-based capital ratio | 10.6409% | 6,244 |
| Total risk-based capital ratio | 11.8864% | 6,173 |
| Memoranda: | ||
| Average total assets | $3,075,222,500 | 261 |
| Average earning assets | $2,734,950,500 | 260 |
| Average equity | $293,847,000 | 267 |
| Average total loans | $2,383,183,000 | 244 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5879% | 2,546 |
| Cost of funding earning assets | 3.1612% | 1,313 |
| Net interest margin | 3.4268% | 5,552 |
| Noninterest income to average assets | 0.5773% | 4,027 |
| Noninterest expense to average assets | 8.4053% | 202 |
| Loan and lease loss provision to assets | 0.7715% | 1,935 |
| Net operating income to assets | -5.5915% | 8,127 |
| Return on assets (ROA) | -5.4124% | 8,107 |
| Pretax return on assets | -5.5014% | 8,062 |
| Return on Equity (ROE) | -43.2567% | 8,104 |
| Retained earnings to average equity (ytd only) | -44.3265% | 8,083 |
| Net charge-offs to loans | 0.4927% | 2,389 |
| Credit loss provision to net charge-offs | 212.9491% | 2,269 |
| Earnings coverage of net charge-offs (x) | -13.5599% | 6,918 |
| Efficiency ratio | 83.4379% | 2,122 |
| Assets per employee ($millions) | 3.6647% | 4,255 |
| Cash dividends to net income (ytd only)* | -2.4730% | 7,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 5,961 |
| Loan loss allowance to noncurrent loans | 37.8412% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 2.7226% | 1,736 |
| Noncurrent loans to loans | 2.6638% | 2,038 |
| Net loans and leases to total assets | 76.8500% | 2,414 |
| Net loans and leases to deposits | 99.4786% | 1,908 |
| Net loans and leases to core deposits | 122.0197% | 2,503 |
| Total domestic deposits to total assets | 77.2528% | 5,930 |
| Equity capital to assets | 9.6831% | 4,447 |
| Core capital (leverage) ratio | 8.9999% | 4,742 |
| Tier 1 risk-based capital ratio | 10.8047% | 5,909 |
| Total risk-based capital ratio | 12.1494% | 5,732 |
| Memoranda: | ||
| Average total assets | $2,988,482,200 | 258 |
| Average earning assets | $2,542,460,400 | 270 |
| Average equity | $373,925,600 | 232 |
| Average total loans | $2,197,668,200 | 254 |