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Sutton State Bank, Performance and Condition Ratios
| 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 | 5.4722% | 4,769 |
| Cost of funding earning assets | 1.9187% | 4,170 |
| Net interest margin | 3.5535% | 4,557 |
| Noninterest income to average assets | 1.0688% | 1,388 |
| Noninterest expense to average assets | 4.5232% | 761 |
| Loan and lease loss provision to assets | 0.4647% | 3,200 |
| Net operating income to assets | -0.7203% | 6,769 |
| Return on assets (ROA) | -0.7203% | 6,773 |
| Pretax return on assets | -0.7203% | 6,618 |
| Return on Equity (ROE) | -7.7029% | 6,872 |
| Retained earnings to average equity (ytd only) | -11.8443% | 7,045 |
| Net charge-offs to loans | 1.1999% | 1,526 |
| Credit loss provision to net charge-offs | 63.1579% | 5,538 |
| Earnings coverage of net charge-offs (x) | -0.3474% | 5,991 |
| Efficiency ratio | 105.9891% | 971 |
| Assets per employee ($millions) | 2.5072% | 7,232 |
| Cash dividends to net income (ytd only)* | -53.7634% | 8,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 6,790 |
| Loan loss allowance to noncurrent loans | 715.0000% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 7,383 |
| Noncurrent loans to loans | 0.1253% | 7,203 |
| Net loans and leases to total assets | 63.0704% | 5,171 |
| Net loans and leases to deposits | 74.5158% | 5,376 |
| Net loans and leases to core deposits | 78.6951% | 6,503 |
| Total domestic deposits to total assets | 84.6402% | 3,429 |
| Equity capital to assets | 9.1696% | 5,066 |
| Core capital (leverage) ratio | 8.2230% | 5,939 |
| Tier 1 risk-based capital ratio | 11.8237% | 5,079 |
| Total risk-based capital ratio | 12.6338% | 5,422 |
| Memoranda: | ||
| Average total assets | $25,822,330 | 7,761 |
| Average earning assets | $23,244,670 | 7,759 |
| Average equity | $2,414,670 | 7,901 |
| Average total loans | $15,835,000 | 7,541 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4769% | 5,031 |
| Cost of funding earning assets | 2.0367% | 3,944 |
| Net interest margin | 3.4402% | 4,972 |
| Noninterest income to average assets | 0.9314% | 1,731 |
| Noninterest expense to average assets | 3.3744% | 2,435 |
| Loan and lease loss provision to assets | 0.2290% | 4,154 |
| Net operating income to assets | 0.3970% | 4,870 |
| Return on assets (ROA) | 0.3970% | 5,049 |
| Pretax return on assets | 0.3970% | 5,406 |
| Return on Equity (ROE) | 4.2063% | 4,841 |
| Retained earnings to average equity (ytd only) | -0.6471% | 5,796 |
| Net charge-offs to loans | -0.0254% | 7,505 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3511% | 2,265 |
| Assets per employee ($millions) | 2.5802% | 7,130 |
| Cash dividends to net income (ytd only)* | 115.3846% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 4,337 |
| Loan loss allowance to noncurrent loans | 157.7236% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 6,007 |
| Noncurrent loans to loans | 0.7992% | 5,436 |
| Net loans and leases to total assets | 58.8985% | 5,819 |
| Net loans and leases to deposits | 71.2037% | 5,841 |
| Net loans and leases to core deposits | 75.1508% | 6,737 |
| Total domestic deposits to total assets | 82.7184% | 4,279 |
| Equity capital to assets | 9.6117% | 4,510 |
| Core capital (leverage) ratio | 8.4574% | 5,618 |
| Tier 1 risk-based capital ratio | 12.6910% | 4,399 |
| Total risk-based capital ratio | 13.7970% | 4,437 |
| Memoranda: | ||
| Average total assets | $26,197,500 | 7,790 |
| Average earning assets | $23,371,000 | 7,792 |
| Average equity | $2,472,500 | 7,937 |
| Average total loans | $15,774,500 | 7,591 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5816% | 2,567 |
| Cost of funding earning assets | 2.4236% | 4,614 |
| Net interest margin | 4.1580% | 2,471 |
| Noninterest income to average assets | 1.1389% | 1,196 |
| Noninterest expense to average assets | 3.7925% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0830% | 2,214 |
| Return on assets (ROA) | 1.0830% | 2,132 |
| Pretax return on assets | 1.0830% | 3,080 |
| Return on Equity (ROE) | 11.2234% | 1,838 |
| Retained earnings to average equity (ytd only) | -2.6091% | 6,018 |
| Net charge-offs to loans | 0.7327% | 1,686 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 1.9926% | 5,076 |
| Efficiency ratio | 77.7869% | 2,953 |
| Assets per employee ($millions) | 2.6593% | 6,869 |
| Cash dividends to net income (ytd only)* | 123.2472% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 5,272 |
| Loan loss allowance to noncurrent loans | 144.7154% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 5,832 |
| Noncurrent loans to loans | 0.7612% | 5,132 |
| Net loans and leases to total assets | 60.0910% | 5,898 |
| Net loans and leases to deposits | 74.0535% | 5,838 |
| Net loans and leases to core deposits | 82.5371% | 6,411 |
| Total domestic deposits to total assets | 81.1454% | 4,581 |
| Equity capital to assets | 9.2694% | 4,972 |
| Core capital (leverage) ratio | 8.8224% | 5,003 |
| Tier 1 risk-based capital ratio | 12.2039% | 4,665 |
| Total risk-based capital ratio | 13.1776% | 4,768 |
| Memoranda: | ||
| Average total assets | $25,023,400 | 7,839 |
| Average earning assets | $22,486,800 | 7,841 |
| Average equity | $2,414,600 | 8,015 |
| Average total loans | $18,562,000 | 7,427 |