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Content analysis
?Positive | ||
Negative | ||
Uncertain | ||
Constraining | ||
Legalese | ||
Litigous | ||
Readability |
8th grade Avg
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New words:
add, adding, addressed, advance, affording, ago, American, ARB, ARRA, assertion, attempt, AU, beginning, breach, capable, climbing, comparison, compelled, concurrence, conditionally, conference, conservatorship, constrained, contemplated, convenience, corroborated, Council, CPP, create, debtor, Dec, delay, depleted, detrimentally, DGP, DIF, difficult, dissolution, distinct, distressed, diversified, domestic, downturn, dramatic, EESA, efficiency, effort, EITF, element, elevated, emergency, energy, environmental, evidenced, evolving, exacerbate, excessive, expenditure, extra, Fannie, felt, foregone, foreseeable, formal, Freddie, frequent, frequently, Front, FSP, GAB, geographically, global, golf, greatly, half, harbor, heavily, heightened, hierarchy, highlight, hinder, holder, hotel, hurt, impracticable, inability, increasingly, infrastructure, interrelated, interruption, investor, issuable, Jan, judged, lack, lead, led, ledger, lesser, lowest, Mac, Mae, Mangagement, middle, mirrored, monthly, municipal, network, nongovernment, nongovernmental, nonrecurring, nonrefundable, occurrence, opt, opted, orderly, perception, permanent, Pink, population, precise, preemptive, premium, prime, prolonged, published, put, readily, recession, recessionary, recharacterized, recurring, Relief, removing, repaid, replenish, resolved, rest, restoration, restore, retrospectively, riskier, risky, routine, Royal, safe, safety, satisfied, satisfy, SCB, secondary, sector, sentiment, slight, spread, staggered, stimulate, subsidized, successful, succession, suffer, TAGP, takeover, TARP, team, technique, TLG, TLGP, treat, trend, true, turmoil, unadjusted, unavailable, unconsolidated, undergoing, unexpected, unissued, unlimited, unobservable, unsecured, unvested, weak, weakened, weakening, weaker, weather, withdraw, worsen, worsening, York
Removed:
adhere, aspect, deliver, extended, extending, force, proactive, promptly, successfully, supervision, sustain, virtue
Filing tables
Filing exhibits
- 10-K Annual report
- 10.1 CEO Amended Employment Agreement
- 10.2 CEO Change In Control Agreement
- 10.3 CEO Executive Salary Continuation Agreement
- 10.4 Amended Emp Agreement for CFO, CCO &Amp; COO
- 10.5 Exec Salary Cont Agrmt for CFO, CCO, &Amp; COO
- 10.6 Amended Employment Agreement for Miller
- 10.7 Amended Employment Agreement for Robertson
- 10.9 Exec Salary Cont Agrmt Miller &Amp; Robertson
- 10.14 Amend No. 2 to Directors Deferral Plan
- 10.15 Amended &Amp; Restated Directors Deferral Plan
- 10.16 Rabbi Trust for SFG Directors Deferral Plan
- 10.17 Amend No. 1 to Rabbi Trust for SFG
- 10.18 Amend No. 1 to Rabbi Trust for SCB
- 10.19 Amend No. 1 to Rabbi Trust for SCB
- 10.20 Amend No. 1 to Rabbi Trust for SCB
- 12 Computation of Ratios
- 21 Subsidiaries of Registrant
- 23 Consent of Public Accounting Firm
- 24 Power of Attorney
- 31.1 Sox Section 302 CEO Cert
- 31.2 Sox Section 302 CFO Cert
- 32.1 Sox Section 906 CEO Cert
- 32.2 Sox Section 906 CFO Cert
SMMF similar filings
Filing view
External links
Exhibit 12
STATEMENTS RE: COMPUTATION OF RATIOS
Net Income Per Share | = | Net Income/Average Common Shares Outstanding | |||
Cash Dividends Per Share | = | Dividends Paid/Actual Common Shares Outstanding | |||
Book Value Per Share | = | Total Shareholders’ Equity/Actual Common Shares Outstanding | |||
Return on Average Assets | = | Net Income/Average Assets | |||
Return on Average Shareholders’ Equity | = | Net Income/Average Shareholders’ Equity | |||
Net Interest Margin | = | Net Interest Income/Average Earning Assets | |||
Noninterest Expense to Average Assets | = | Noninterest Expense/Average Assets | |||
Dividend Payout | = | Dividends Declared/Net Income | |||
Average Shareholders’ Equity to Average Assets | = | Average Shareholders’ Equity/Average Assets | |||
Tier I Capital Ratio | = | Shareholders’ Equity – Net Unrealized Gains on Available for Sale Securities-Intangible Assets +Qualifying Capital Securities (Tier I Capital)/Risk Weighted Assets | |||
Total Capital Ratio | = | (Tier I Capital +Qualifying Tier II Capital Securities +Allowance for Loan Losses +Qualifying Portion of Unrealized Gains on Available for Sale Marketable Equity Securities)/Risk Weighted Assets | |||
Tier I Leverage Ratio | = | Tier I Capital/Average Assets | |||
Net Charge-offs to Average Loans | = | (Gross Charge-offs – Recoveries)/ Average Net Loans | |||
Non-performing Loans to Total Loans | = | (Nonaccrual Loans + Accruing Loans Past Due 90 Days or More )/ Loans Net of Unearned Income | |||
Non-performing Assets to Period End Assets | = | (Nonaccrual Loans + Accruing Loans Past Due 90 Days or More + Other Real Estate Owned + Other Repossessed Assets + Nonaccrual Securities)/Total Assets | |||
Allowance for Loan Losses to Period End Loans | = | Loan Loss Reserve/Loans Net of Unearned Income | |||
Allowance for Loan Losses to Non-Performing Loans | = | Loan Loss Reserve/(Nonaccrual Loans + Accruing Loans Past Due 90 Days or More ) |