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Superior Bank, Performance and Condition Ratios
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3077% | 5,924 |
| Cost of funding earning assets | 0.3970% | 7,028 |
| Net interest margin | 3.9107% | 3,335 |
| Noninterest income to average assets | 1.1151% | 1,070 |
| Noninterest expense to average assets | 2.7522% | 4,529 |
| Loan and lease loss provision to assets | 0.9660% | 901 |
| Net operating income to assets | 0.3522% | 5,199 |
| Return on assets (ROA) | 0.3522% | 5,378 |
| Pretax return on assets | 0.5504% | 4,971 |
| Return on Equity (ROE) | 2.4018% | 5,652 |
| Retained earnings to average equity (ytd only) | 2.4018% | 4,921 |
| Net charge-offs to loans | 0.2358% | 3,947 |
| Credit loss provision to net charge-offs | 629.6593% | 430 |
| Earnings coverage of net charge-offs (x) | 9.8838% | 1,993 |
| Efficiency ratio | 62.8259% | 5,272 |
| Assets per employee ($millions) | 3.6731% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 6,430 |
| Loan loss allowance to noncurrent loans | 6.7189% | 6,928 |
| Noncurrent assets plus other real estate owned to assets | 10.8979% | 300 |
| Noncurrent loans to loans | 14.2414% | 156 |
| Net loans and leases to total assets | 64.7655% | 3,156 |
| Net loans and leases to deposits | 77.1615% | 3,140 |
| Net loans and leases to core deposits | 80.0797% | 3,625 |
| Total domestic deposits to total assets | 83.9350% | 4,260 |
| Equity capital to assets | 15.1959% | 796 |
| Core capital (leverage) ratio | 11.6206% | 1,942 |
| Tier 1 risk-based capital ratio | 31.1697% | 487 |
| Total risk-based capital ratio | 32.4254% | 476 |
| Memoranda: | ||
| Average total assets | $2,601,911,000 | 272 |
| Average earning assets | $2,098,133,000 | 297 |
| Average equity | $381,597,500 | 230 |
| Average total loans | $1,692,783,500 | 265 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5551% | 7,413 |
| Cost of funding earning assets | 0.4761% | 6,929 |
| Net interest margin | 2.0790% | 7,349 |
| Noninterest income to average assets | 0.2823% | 5,630 |
| Noninterest expense to average assets | 1.7578% | 7,124 |
| Loan and lease loss provision to assets | 0.0034% | 6,201 |
| Net operating income to assets | 0.1098% | 5,992 |
| Return on assets (ROA) | 0.1098% | 6,074 |
| Pretax return on assets | 0.1716% | 5,979 |
| Return on Equity (ROE) | 0.7755% | 6,129 |
| Retained earnings to average equity (ytd only) | 0.7755% | 5,547 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9757% | 1,515 |
| Assets per employee ($millions) | 3.6467% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0027% | 7,446 |
| Loan loss allowance to noncurrent loans | 0.0193% | 7,013 |
| Noncurrent assets plus other real estate owned to assets | 11.1635% | 299 |
| Noncurrent loans to loans | 13.8233% | 169 |
| Net loans and leases to total assets | 64.7423% | 3,313 |
| Net loans and leases to deposits | 76.0339% | 3,464 |
| Net loans and leases to core deposits | 79.2120% | 3,899 |
| Total domestic deposits to total assets | 85.1493% | 3,812 |
| Equity capital to assets | 14.1630% | 1,040 |
| Core capital (leverage) ratio | 10.6253% | 2,591 |
| Tier 1 risk-based capital ratio | 31.8811% | 456 |
| Total risk-based capital ratio | 31.8860% | 496 |
| Memoranda: | ||
| Average total assets | $2,669,405,000 | 272 |
| Average earning assets | $2,119,331,000 | 298 |
| Average equity | $378,068,000 | 231 |
| Average total loans | $1,728,281,000 | 267 |