Home > The State Bank of Lebo > Performance and Condition Ratios
The State Bank of Lebo, 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 | 5.0655% | 6,561 |
| Cost of funding earning assets | 2.0544% | 3,503 |
| Net interest margin | 3.0111% | 6,521 |
| Noninterest income to average assets | 0.3387% | 5,805 |
| Noninterest expense to average assets | 6.5764% | 261 |
| Loan and lease loss provision to assets | 0.5081% | 2,994 |
| Net operating income to assets | -3.9327% | 7,821 |
| Return on assets (ROA) | -3.9327% | 7,815 |
| Pretax return on assets | -3.9327% | 7,734 |
| Return on Equity (ROE) | -86.2745% | 8,055 |
| Retained earnings to average equity (ytd only) | -86.2745% | 8,053 |
| Net charge-offs to loans | 5.8255% | 195 |
| Credit loss provision to net charge-offs | 13.4328% | 6,170 |
| Earnings coverage of net charge-offs (x) | -0.9055% | 6,208 |
| Efficiency ratio | 208.6567% | 176 |
| Assets per employee ($millions) | 1.9228% | 7,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 5,612 |
| Loan loss allowance to noncurrent loans | 8.9441% | 7,511 |
| Noncurrent assets plus other real estate owned to assets | 8.8881% | 385 |
| Noncurrent loans to loans | 12.2835% | 213 |
| Net loans and leases to total assets | 67.4173% | 4,271 |
| Net loans and leases to deposits | 70.8554% | 5,891 |
| Net loans and leases to core deposits | 97.5395% | 4,737 |
| Total domestic deposits to total assets | 95.1477% | 33 |
| Equity capital to assets | 4.1034% | 8,096 |
| Core capital (leverage) ratio | 3.7318% | 8,107 |
| Tier 1 risk-based capital ratio | 6.1140% | 8,051 |
| Total risk-based capital ratio | 7.2173% | 8,067 |
| Memoranda: | ||
| Average total assets | $21,257,670 | 7,896 |
| Average earning assets | $19,859,670 | 7,865 |
| Average equity | $969,000 | 8,159 |
| Average total loans | $13,801,330 | 7,660 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5573% | 7,661 |
| Cost of funding earning assets | 2.1152% | 3,580 |
| Net interest margin | 2.4421% | 7,570 |
| Noninterest income to average assets | 0.2155% | 6,754 |
| Noninterest expense to average assets | 4.3462% | 820 |
| Loan and lease loss provision to assets | 4.8490% | 175 |
| Net operating income to assets | -6.6988% | 8,115 |
| Return on assets (ROA) | -6.6988% | 8,105 |
| Pretax return on assets | -6.6988% | 8,073 |
| Return on Equity (ROE) | -140.8876% | 8,176 |
| Retained earnings to average equity (ytd only) | -140.8876% | 8,174 |
| Net charge-offs to loans | 10.7149% | 54 |
| Credit loss provision to net charge-offs | 71.2401% | 4,336 |
| Earnings coverage of net charge-offs (x) | -0.2718% | 5,170 |
| Efficiency ratio | 174.1007% | 266 |
| Assets per employee ($millions) | 2.1296% | 7,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7913% | 586 |
| Loan loss allowance to noncurrent loans | 18.3166% | 7,247 |
| Noncurrent assets plus other real estate owned to assets | 10.4010% | 209 |
| Noncurrent loans to loans | 15.2394% | 97 |
| Net loans and leases to total assets | 62.6315% | 5,218 |
| Net loans and leases to deposits | 72.8813% | 5,630 |
| Net loans and leases to core deposits | 100.2556% | 4,515 |
| Total domestic deposits to total assets | 85.9363% | 2,762 |
| Equity capital to assets | 4.0289% | 8,162 |
| Core capital (leverage) ratio | 3.7882% | 8,176 |
| Tier 1 risk-based capital ratio | 5.9613% | 8,143 |
| Total risk-based capital ratio | 7.2327% | 8,146 |
| Memoranda: | ||
| Average total assets | $22,272,500 | 7,919 |
| Average earning assets | $20,802,000 | 7,881 |
| Average equity | $1,059,000 | 8,202 |
| Average total loans | $14,148,500 | 7,680 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2705% | 4,119 |
| Cost of funding earning assets | 3.4609% | 582 |
| Net interest margin | 2.8097% | 7,314 |
| Noninterest income to average assets | 0.1499% | 7,344 |
| Noninterest expense to average assets | 4.0203% | 1,388 |
| Loan and lease loss provision to assets | 2.7173% | 363 |
| Net operating income to assets | -3.9550% | 7,983 |
| Return on assets (ROA) | -3.9550% | 7,967 |
| Pretax return on assets | -3.9511% | 7,885 |
| Return on Equity (ROE) | -63.0747% | 8,211 |
| Retained earnings to average equity (ytd only) | -63.0747% | 8,203 |
| Net charge-offs to loans | 2.3179% | 445 |
| Credit loss provision to net charge-offs | 159.2342% | 3,248 |
| Earnings coverage of net charge-offs (x) | -0.7230% | 6,549 |
| Efficiency ratio | 144.2759% | 378 |
| Assets per employee ($millions) | 2.1135% | 7,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3754% | 312 |
| Loan loss allowance to noncurrent loans | 22.7252% | 7,114 |
| Noncurrent assets plus other real estate owned to assets | 9.5273% | 191 |
| Noncurrent loans to loans | 14.8532% | 71 |
| Net loans and leases to total assets | 60.5789% | 5,826 |
| Net loans and leases to deposits | 70.9521% | 6,174 |
| Net loans and leases to core deposits | 106.4953% | 4,131 |
| Total domestic deposits to total assets | 85.3800% | 2,678 |
| Equity capital to assets | 5.4196% | 8,140 |
| Core capital (leverage) ratio | 5.1528% | 8,195 |
| Tier 1 risk-based capital ratio | 8.1047% | 8,067 |
| Total risk-based capital ratio | 9.3767% | 8,103 |
| Memoranda: | ||
| Average total assets | $26,018,000 | 7,804 |
| Average earning assets | $24,415,800 | 7,768 |
| Average equity | $1,631,400 | 8,191 |
| Average total loans | $19,155,400 | 7,392 |