Home > The National Bank of South Carolina > Performance and Condition Ratios
The National Bank of South Carolina, Performance and Condition Ratios
| 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 | 4.3164% | 7,109 |
| Cost of funding earning assets | 1.2460% | 5,137 |
| Net interest margin | 3.0704% | 6,667 |
| Noninterest income to average assets | 0.2658% | 6,026 |
| Noninterest expense to average assets | 1.8447% | 7,416 |
| Loan and lease loss provision to assets | 8.8548% | 43 |
| Net operating income to assets | -9.1795% | 7,884 |
| Return on assets (ROA) | -9.1795% | 7,885 |
| Pretax return on assets | -7.6250% | 7,851 |
| Return on Equity (ROE) | -106.4164% | 7,838 |
| Retained earnings to average equity (ytd only) | -106.4164% | 7,834 |
| Net charge-offs to loans | 9.0078% | 70 |
| Credit loss provision to net charge-offs | 125.0269% | 2,807 |
| Earnings coverage of net charge-offs (x) | 0.1736% | 4,882 |
| Efficiency ratio | 60.0012% | 6,173 |
| Assets per employee ($millions) | 10.3312% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0500% | 168 |
| Loan loss allowance to noncurrent loans | 55.7726% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 7.8690% | 632 |
| Noncurrent loans to loans | 9.0547% | 530 |
| Net loans and leases to total assets | 74.8486% | 1,776 |
| Net loans and leases to deposits | 83.5065% | 3,023 |
| Net loans and leases to core deposits | 128.8180% | 518 |
| Total domestic deposits to total assets | 89.6321% | 1,169 |
| Equity capital to assets | 8.2028% | 6,426 |
| Core capital (leverage) ratio | 7.7586% | 6,558 |
| Tier 1 risk-based capital ratio | 9.5342% | 7,289 |
| Total risk-based capital ratio | 10.8276% | 7,256 |
| Memoranda: | ||
| Average total assets | $4,458,167,000 | 189 |
| Average earning assets | $4,078,073,000 | 183 |
| Average equity | $384,561,000 | 219 |
| Average total loans | $3,505,198,000 | 156 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5785% | 7,307 |
| Cost of funding earning assets | 1.5234% | 5,413 |
| Net interest margin | 3.0551% | 6,504 |
| Noninterest income to average assets | 0.1034% | 7,253 |
| Noninterest expense to average assets | 1.8690% | 7,547 |
| Loan and lease loss provision to assets | 7.2388% | 59 |
| Net operating income to assets | -4.9131% | 7,737 |
| Return on assets (ROA) | -4.8732% | 7,727 |
| Pretax return on assets | -6.1478% | 7,819 |
| Return on Equity (ROE) | -54.6343% | 7,722 |
| Retained earnings to average equity (ytd only) | -54.6343% | 7,717 |
| Net charge-offs to loans | 7.0423% | 117 |
| Credit loss provision to net charge-offs | 125.7388% | 4,158 |
| Earnings coverage of net charge-offs (x) | 0.1807% | 5,973 |
| Efficiency ratio | 61.2135% | 6,292 |
| Assets per employee ($millions) | 10.5972% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3253% | 290 |
| Loan loss allowance to noncurrent loans | 52.0806% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 7.2368% | 692 |
| Noncurrent loans to loans | 8.3050% | 583 |
| Net loans and leases to total assets | 75.0346% | 2,021 |
| Net loans and leases to deposits | 84.5353% | 3,173 |
| Net loans and leases to core deposits | 100.4315% | 3,952 |
| Total domestic deposits to total assets | 88.7613% | 1,592 |
| Equity capital to assets | 9.0328% | 5,085 |
| Core capital (leverage) ratio | 8.7997% | 4,769 |
| Tier 1 risk-based capital ratio | 10.2213% | 6,660 |
| Total risk-based capital ratio | 11.5041% | 6,603 |
| Memoranda: | ||
| Average total assets | $4,797,375,400 | 178 |
| Average earning assets | $4,406,334,800 | 173 |
| Average equity | $427,912,200 | 204 |
| Average total loans | $3,921,840,800 | 145 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5971% | 7,420 |
| Cost of funding earning assets | 1.5778% | 5,502 |
| Net interest margin | 3.0194% | 6,550 |
| Noninterest income to average assets | 0.1421% | 7,161 |
| Noninterest expense to average assets | 1.7933% | 7,664 |
| Loan and lease loss provision to assets | 7.8603% | 48 |
| Net operating income to assets | -5.7627% | 7,913 |
| Return on assets (ROA) | -5.7056% | 7,907 |
| Pretax return on assets | -6.6633% | 7,949 |
| Return on Equity (ROE) | -64.1565% | 7,911 |
| Retained earnings to average equity (ytd only) | -64.1565% | 7,909 |
| Net charge-offs to loans | 8.0525% | 82 |
| Credit loss provision to net charge-offs | 118.2804% | 4,293 |
| Earnings coverage of net charge-offs (x) | 0.1701% | 5,853 |
| Efficiency ratio | 61.3317% | 6,223 |
| Assets per employee ($millions) | 10.8994% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4477% | 440 |
| Loan loss allowance to noncurrent loans | 50.5623% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 5.9842% | 903 |
| Noncurrent loans to loans | 6.8187% | 810 |
| Net loans and leases to total assets | 75.7808% | 2,034 |
| Net loans and leases to deposits | 86.6925% | 3,188 |
| Net loans and leases to core deposits | 103.2305% | 4,030 |
| Total domestic deposits to total assets | 87.4133% | 1,941 |
| Equity capital to assets | 8.2392% | 6,583 |
| Core capital (leverage) ratio | 8.0317% | 6,305 |
| Tier 1 risk-based capital ratio | 9.2976% | 7,492 |
| Total risk-based capital ratio | 10.5716% | 7,468 |
| Memoranda: | ||
| Average total assets | $4,860,165,250 | 183 |
| Average earning assets | $4,477,885,000 | 177 |
| Average equity | $432,227,750 | 205 |
| Average total loans | $4,010,938,250 | 151 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6878% | 7,409 |
| Cost of funding earning assets | 1.6374% | 5,574 |
| Net interest margin | 3.0504% | 6,399 |
| Noninterest income to average assets | 0.3136% | 5,998 |
| Noninterest expense to average assets | 1.6966% | 7,834 |
| Loan and lease loss provision to assets | 6.9841% | 96 |
| Net operating income to assets | -3.5641% | 7,772 |
| Return on assets (ROA) | -3.5641% | 7,772 |
| Pretax return on assets | -5.5543% | 7,923 |
| Return on Equity (ROE) | -39.1558% | 7,840 |
| Retained earnings to average equity (ytd only) | -39.1558% | 7,823 |
| Net charge-offs to loans | 6.1458% | 170 |
| Credit loss provision to net charge-offs | 135.5806% | 3,437 |
| Earnings coverage of net charge-offs (x) | 0.2776% | 5,397 |
| Efficiency ratio | 54.2662% | 7,304 |
| Assets per employee ($millions) | 10.7593% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3212% | 443 |
| Loan loss allowance to noncurrent loans | 50.8654% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 5.7431% | 860 |
| Noncurrent loans to loans | 6.5294% | 803 |
| Net loans and leases to total assets | 78.2536% | 1,687 |
| Net loans and leases to deposits | 92.1176% | 2,449 |
| Net loans and leases to core deposits | 112.4155% | 3,088 |
| Total domestic deposits to total assets | 84.9497% | 3,291 |
| Equity capital to assets | 8.7873% | 5,617 |
| Core capital (leverage) ratio | 8.1694% | 6,034 |
| Tier 1 risk-based capital ratio | 9.6315% | 7,289 |
| Total risk-based capital ratio | 10.9042% | 7,215 |
| Memoranda: | ||
| Average total assets | $4,910,705,330 | 189 |
| Average earning assets | $4,528,305,670 | 182 |
| Average equity | $446,988,330 | 206 |
| Average total loans | $4,116,056,330 | 154 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 7,480 |
| Cost of funding earning assets | 1.7011% | 5,593 |
| Net interest margin | 3.0188% | 6,430 |
| Noninterest income to average assets | 0.4528% | 4,743 |
| Noninterest expense to average assets | 1.6529% | 7,864 |
| Loan and lease loss provision to assets | 3.9893% | 239 |
| Net operating income to assets | -1.4610% | 7,476 |
| Return on assets (ROA) | -1.4610% | 7,492 |
| Pretax return on assets | -2.3945% | 7,640 |
| Return on Equity (ROE) | -15.7895% | 7,641 |
| Retained earnings to average equity (ytd only) | -15.7895% | 7,482 |
| Net charge-offs to loans | 3.3592% | 371 |
| Credit loss provision to net charge-offs | 139.3969% | 2,920 |
| Earnings coverage of net charge-offs (x) | 0.5573% | 4,550 |
| Efficiency ratio | 50.8948% | 7,519 |
| Assets per employee ($millions) | 10.8704% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2896% | 957 |
| Loan loss allowance to noncurrent loans | 44.9067% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 4.6586% | 1,013 |
| Noncurrent loans to loans | 5.0986% | 1,065 |
| Net loans and leases to total assets | 83.6605% | 738 |
| Net loans and leases to deposits | 100.4575% | 1,346 |
| Net loans and leases to core deposits | 121.8305% | 2,268 |
| Total domestic deposits to total assets | 83.2795% | 4,001 |
| Equity capital to assets | 9.2189% | 5,064 |
| Core capital (leverage) ratio | 8.8474% | 4,915 |
| Tier 1 risk-based capital ratio | 9.4930% | 7,427 |
| Total risk-based capital ratio | 10.7535% | 7,370 |
| Memoranda: | ||
| Average total assets | $4,982,866,500 | 188 |
| Average earning assets | $4,613,128,000 | 181 |
| Average equity | $461,065,500 | 200 |
| Average total loans | $4,245,085,000 | 154 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8992% | 6,040 |
| Cost of funding earning assets | 2.3695% | 4,854 |
| Net interest margin | 3.5296% | 5,191 |
| Noninterest income to average assets | 0.4858% | 4,738 |
| Noninterest expense to average assets | 1.3628% | 8,093 |
| Loan and lease loss provision to assets | 1.8214% | 692 |
| Net operating income to assets | 0.4268% | 5,045 |
| Return on assets (ROA) | 0.4268% | 4,863 |
| Pretax return on assets | 0.5699% | 4,780 |
| Return on Equity (ROE) | 4.6470% | 4,537 |
| Retained earnings to average equity (ytd only) | -1.5296% | 5,746 |
| Net charge-offs to loans | 1.1841% | 1,020 |
| Credit loss provision to net charge-offs | 182.5435% | 2,733 |
| Earnings coverage of net charge-offs (x) | 2.3966% | 4,881 |
| Efficiency ratio | 36.3019% | 8,189 |
| Assets per employee ($millions) | 9.9579% | 263 |
| Cash dividends to net income (ytd only)* | 132.9164% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9578% | 1,306 |
| Loan loss allowance to noncurrent loans | 141.3158% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 1.5078% | 3,204 |
| Noncurrent loans to loans | 1.3854% | 3,746 |
| Net loans and leases to total assets | 83.1112% | 1,027 |
| Net loans and leases to deposits | 94.0265% | 2,753 |
| Net loans and leases to core deposits | 111.3511% | 3,630 |
| Total domestic deposits to total assets | 88.3913% | 1,295 |
| Equity capital to assets | 9.2868% | 4,952 |
| Core capital (leverage) ratio | 9.0427% | 4,681 |
| Tier 1 risk-based capital ratio | 9.4321% | 7,381 |
| Total risk-based capital ratio | 10.6884% | 7,292 |
| Memoranda: | ||
| Average total assets | $4,870,231,400 | 185 |
| Average earning assets | $4,509,676,800 | 181 |
| Average equity | $447,296,800 | 203 |
| Average total loans | $4,103,799,000 | 160 |