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Heritage Community Bank, Performance and Condition Ratios
| 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 | 5.4417% | 7,408 |
| Cost of funding earning assets | 2.5785% | 3,805 |
| Net interest margin | 2.8632% | 7,228 |
| Noninterest income to average assets | 0.4278% | 5,228 |
| Noninterest expense to average assets | 3.3024% | 2,954 |
| Loan and lease loss provision to assets | 7.8548% | 27 |
| Net operating income to assets | -8.0183% | 8,222 |
| Return on assets (ROA) | -8.0183% | 8,219 |
| Pretax return on assets | -8.0183% | 8,202 |
| Return on Equity (ROE) | -129.7376% | 8,291 |
| Retained earnings to average equity (ytd only) | -134.0250% | 8,290 |
| Net charge-offs to loans | 10.7558% | 8 |
| Credit loss provision to net charge-offs | 93.4306% | 5,586 |
| Earnings coverage of net charge-offs (x) | -0.0195% | 6,256 |
| Efficiency ratio | 105.2098% | 832 |
| Assets per employee ($millions) | 3.8550% | 3,847 |
| Cash dividends to net income (ytd only)* | -3.3047% | 7,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7027% | 1,902 |
| Loan loss allowance to noncurrent loans | 9.2864% | 7,514 |
| Noncurrent assets plus other real estate owned to assets | 14.1214% | 70 |
| Noncurrent loans to loans | 18.3357% | 45 |
| Net loans and leases to total assets | 73.5752% | 3,212 |
| Net loans and leases to deposits | 76.6452% | 5,515 |
| Net loans and leases to core deposits | 88.5789% | 5,925 |
| Total domestic deposits to total assets | 95.9945% | 7 |
| Equity capital to assets | 2.0735% | 8,284 |
| Core capital (leverage) ratio | 2.0418% | 8,289 |
| Tier 1 risk-based capital ratio | 2.5809% | 8,291 |
| Total risk-based capital ratio | 3.7947% | 8,290 |
| Memoranda: | ||
| Average total assets | $264,169,200 | 2,424 |
| Average earning assets | $250,141,800 | 2,369 |
| Average equity | $16,326,800 | 3,861 |
| Average total loans | $206,483,000 | 2,237 |