Home > Bank of Ellijay > Performance and Condition Ratios
Bank of Ellijay, Performance and Condition Ratios
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0837% | 7,702 |
| Cost of funding earning assets | 2.8054% | 60 |
| Net interest margin | 0.2782% | 7,807 |
| Noninterest income to average assets | 0.0572% | 7,302 |
| Noninterest expense to average assets | 3.2263% | 2,810 |
| Loan and lease loss provision to assets | 5.5708% | 84 |
| Net operating income to assets | -8.5020% | 7,795 |
| Return on assets (ROA) | -8.3410% | 7,791 |
| Pretax return on assets | -8.3410% | 7,787 |
| Return on Equity (ROE) | -312.3389% | 7,821 |
| Retained earnings to average equity (ytd only) | -312.3389% | 7,821 |
| Net charge-offs to loans | 2.6609% | 622 |
| Credit loss provision to net charge-offs | 288.9292% | 1,287 |
| Earnings coverage of net charge-offs (x) | -1.5203% | 6,177 |
| Efficiency ratio | 1,093.2806% | 6 |
| Assets per employee ($millions) | 6.2526% | 1,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4142% | 274 |
| Loan loss allowance to noncurrent loans | 13.5033% | 7,182 |
| Noncurrent assets plus other real estate owned to assets | 30.9478% | 6 |
| Noncurrent loans to loans | 32.6895% | 11 |
| Net loans and leases to total assets | 66.5715% | 3,718 |
| Net loans and leases to deposits | 69.9275% | 5,290 |
| Net loans and leases to core deposits | 70.9445% | 5,776 |
| Total domestic deposits to total assets | 95.2008% | 44 |
| Equity capital to assets | 0.5598% | 7,821 |
| Core capital (leverage) ratio | 0.5044% | 7,821 |
| Tier 1 risk-based capital ratio | 0.6628% | 7,820 |
| Total risk-based capital ratio | 1.3256% | 7,820 |
| Memoranda: | ||
| Average total assets | $171,466,330 | 3,579 |
| Average earning assets | $146,643,330 | 3,770 |
| Average equity | $4,579,000 | 6,911 |
| Average total loans | $124,244,000 | 3,314 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9405% | 7,820 |
| Cost of funding earning assets | 2.8859% | 63 |
| Net interest margin | 0.0546% | 7,923 |
| Noninterest income to average assets | 0.1065% | 7,168 |
| Noninterest expense to average assets | 2.4099% | 6,051 |
| Loan and lease loss provision to assets | 4.1669% | 204 |
| Net operating income to assets | -6.4217% | 7,830 |
| Return on assets (ROA) | -6.4217% | 7,834 |
| Pretax return on assets | -6.4217% | 7,823 |
| Return on Equity (ROE) | -173.4834% | 7,881 |
| Retained earnings to average equity (ytd only) | -173.4834% | 7,879 |
| Net charge-offs to loans | 0.9625% | 1,692 |
| Credit loss provision to net charge-offs | 586.3192% | 745 |
| Earnings coverage of net charge-offs (x) | -3.1726% | 5,505 |
| Efficiency ratio | 1,553.7313% | 8 |
| Assets per employee ($millions) | 6.3592% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8299% | 955 |
| Loan loss allowance to noncurrent loans | 10.6801% | 7,320 |
| Noncurrent assets plus other real estate owned to assets | 24.8831% | 25 |
| Noncurrent loans to loans | 26.4968% | 30 |
| Net loans and leases to total assets | 71.1944% | 2,650 |
| Net loans and leases to deposits | 76.6044% | 4,301 |
| Net loans and leases to core deposits | 80.5642% | 4,692 |
| Total domestic deposits to total assets | 92.9376% | 128 |
| Equity capital to assets | 3.0029% | 7,848 |
| Core capital (leverage) ratio | 3.0059% | 7,838 |
| Tier 1 risk-based capital ratio | 3.8221% | 7,849 |
| Total risk-based capital ratio | 5.0881% | 7,849 |
| Memoranda: | ||
| Average total assets | $172,789,500 | 3,615 |
| Average earning assets | $153,852,000 | 3,694 |
| Average equity | $6,396,000 | 6,383 |
| Average total loans | $127,578,000 | 3,316 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8818% | 6,754 |
| Cost of funding earning assets | 3.4004% | 65 |
| Net interest margin | 1.4815% | 7,870 |
| Noninterest income to average assets | -0.2261% | 7,869 |
| Noninterest expense to average assets | 2.4337% | 6,359 |
| Loan and lease loss provision to assets | 2.1929% | 948 |
| Net operating income to assets | -3.5259% | 7,510 |
| Return on assets (ROA) | -4.3258% | 7,655 |
| Pretax return on assets | -4.3258% | 7,605 |
| Return on Equity (ROE) | -59.3399% | 7,752 |
| Retained earnings to average equity (ytd only) | -59.3399% | 7,748 |
| Net charge-offs to loans | 3.3693% | 593 |
| Credit loss provision to net charge-offs | 84.5098% | 6,173 |
| Earnings coverage of net charge-offs (x) | -0.5137% | 6,701 |
| Efficiency ratio | 221.1094% | 112 |
| Assets per employee ($millions) | 6.4400% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 3,290 |
| Loan loss allowance to noncurrent loans | 8.8137% | 7,383 |
| Noncurrent assets plus other real estate owned to assets | 17.0738% | 97 |
| Noncurrent loans to loans | 18.1298% | 98 |
| Net loans and leases to total assets | 73.2051% | 2,448 |
| Net loans and leases to deposits | 79.9479% | 4,007 |
| Net loans and leases to core deposits | 113.9653% | 2,500 |
| Total domestic deposits to total assets | 91.5660% | 361 |
| Equity capital to assets | 4.3915% | 7,826 |
| Core capital (leverage) ratio | 4.5337% | 7,803 |
| Tier 1 risk-based capital ratio | 5.8458% | 7,824 |
| Total risk-based capital ratio | 7.0994% | 7,827 |
| Memoranda: | ||
| Average total assets | $176,890,200 | 3,489 |
| Average earning assets | $158,424,800 | 3,547 |
| Average equity | $12,895,200 | 4,535 |
| Average total loans | $136,231,800 | 3,150 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2181% | 5,804 |
| Cost of funding earning assets | 3.5095% | 67 |
| Net interest margin | 1.7086% | 7,911 |
| Noninterest income to average assets | -0.2484% | 7,995 |
| Noninterest expense to average assets | 2.2344% | 6,888 |
| Loan and lease loss provision to assets | 2.7613% | 567 |
| Net operating income to assets | -2.3363% | 7,424 |
| Return on assets (ROA) | -2.1451% | 7,361 |
| Pretax return on assets | -3.4188% | 7,599 |
| Return on Equity (ROE) | -26.8161% | 7,543 |
| Retained earnings to average equity (ytd only) | -26.8161% | 7,528 |
| Net charge-offs to loans | 3.4031% | 444 |
| Credit loss provision to net charge-offs | 104.4874% | 4,864 |
| Earnings coverage of net charge-offs (x) | -0.3618% | 6,395 |
| Efficiency ratio | 174.8092% | 215 |
| Assets per employee ($millions) | 6.4265% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1685% | 1,478 |
| Loan loss allowance to noncurrent loans | 15.7061% | 7,296 |
| Noncurrent assets plus other real estate owned to assets | 11.3191% | 262 |
| Noncurrent loans to loans | 13.8064% | 187 |
| Net loans and leases to total assets | 73.5872% | 2,649 |
| Net loans and leases to deposits | 82.7506% | 3,878 |
| Net loans and leases to core deposits | 125.7574% | 1,756 |
| Total domestic deposits to total assets | 88.9265% | 1,230 |
| Equity capital to assets | 7.0672% | 7,565 |
| Core capital (leverage) ratio | 5.9761% | 7,802 |
| Tier 1 risk-based capital ratio | 6.7665% | 7,920 |
| Total risk-based capital ratio | 8.0107% | 7,924 |
| Memoranda: | ||
| Average total assets | $177,642,750 | 3,499 |
| Average earning assets | $158,726,500 | 3,567 |
| Average equity | $14,210,000 | 4,239 |
| Average total loans | $137,950,750 | 3,155 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4741% | 4,755 |
| Cost of funding earning assets | 3.6621% | 62 |
| Net interest margin | 1.8120% | 7,936 |
| Noninterest income to average assets | -0.3505% | 8,101 |
| Noninterest expense to average assets | 2.2796% | 6,820 |
| Loan and lease loss provision to assets | 4.1600% | 290 |
| Net operating income to assets | -3.2447% | 7,715 |
| Return on assets (ROA) | -2.9964% | 7,669 |
| Pretax return on assets | -4.7841% | 7,836 |
| Return on Equity (ROE) | -36.0356% | 7,800 |
| Retained earnings to average equity (ytd only) | -36.0356% | 7,783 |
| Net charge-offs to loans | 4.7933% | 262 |
| Credit loss provision to net charge-offs | 110.5801% | 4,187 |
| Earnings coverage of net charge-offs (x) | -0.2690% | 5,931 |
| Efficiency ratio | 179.8394% | 251 |
| Assets per employee ($millions) | 6.1338% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2602% | 1,153 |
| Loan loss allowance to noncurrent loans | 48.5493% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 4.5964% | 1,207 |
| Noncurrent loans to loans | 4.6555% | 1,366 |
| Net loans and leases to total assets | 76.0674% | 2,165 |
| Net loans and leases to deposits | 85.7139% | 3,599 |
| Net loans and leases to core deposits | 135.8132% | 1,223 |
| Total domestic deposits to total assets | 88.7457% | 1,406 |
| Equity capital to assets | 7.1993% | 7,482 |
| Core capital (leverage) ratio | 5.9998% | 7,924 |
| Tier 1 risk-based capital ratio | 6.7737% | 8,024 |
| Total risk-based capital ratio | 8.0333% | 8,031 |
| Memoranda: | ||
| Average total assets | $176,876,000 | 3,529 |
| Average earning assets | $157,943,000 | 3,598 |
| Average equity | $14,707,670 | 4,156 |
| Average total loans | $138,817,670 | 3,164 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4578% | 5,128 |
| Cost of funding earning assets | 3.8096% | 59 |
| Net interest margin | 1.6482% | 8,021 |
| Noninterest income to average assets | 0.0794% | 7,657 |
| Noninterest expense to average assets | 2.3110% | 6,503 |
| Loan and lease loss provision to assets | 0.0091% | 6,703 |
| Net operating income to assets | -0.5411% | 6,914 |
| Return on assets (ROA) | -0.0726% | 6,483 |
| Pretax return on assets | -0.1021% | 6,478 |
| Return on Equity (ROE) | -0.8174% | 6,512 |
| Retained earnings to average equity (ytd only) | -0.8174% | 5,840 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.3261% | 362 |
| Assets per employee ($millions) | 6.4999% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9998% | 1,418 |
| Loan loss allowance to noncurrent loans | 87.7326% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 4.6786% | 1,006 |
| Noncurrent loans to loans | 2.2794% | 2,885 |
| Net loans and leases to total assets | 74.9091% | 2,527 |
| Net loans and leases to deposits | 85.6030% | 3,704 |
| Net loans and leases to core deposits | 152.6224% | 630 |
| Total domestic deposits to total assets | 87.5076% | 1,964 |
| Equity capital to assets | 8.5600% | 5,974 |
| Core capital (leverage) ratio | 8.2028% | 6,096 |
| Tier 1 risk-based capital ratio | 8.9773% | 7,803 |
| Total risk-based capital ratio | 10.2330% | 7,829 |
| Memoranda: | ||
| Average total assets | $176,374,500 | 3,561 |
| Average earning assets | $158,231,000 | 3,608 |
| Average equity | $15,658,500 | 4,012 |
| Average total loans | $139,008,000 | 3,189 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1077% | 5,001 |
| Cost of funding earning assets | 4.4003% | 23 |
| Net interest margin | 1.7074% | 8,152 |
| Noninterest income to average assets | -0.0282% | 8,173 |
| Noninterest expense to average assets | 2.7991% | 4,819 |
| Loan and lease loss provision to assets | 0.7946% | 1,871 |
| Net operating income to assets | -1.3142% | 7,397 |
| Return on assets (ROA) | -1.3012% | 7,334 |
| Pretax return on assets | -2.0646% | 7,454 |
| Return on Equity (ROE) | -12.9247% | 7,490 |
| Retained earnings to average equity (ytd only) | -12.9247% | 7,323 |
| Net charge-offs to loans | 0.0285% | 6,424 |
| Credit loss provision to net charge-offs | 3,413.1579% | 149 |
| Earnings coverage of net charge-offs (x) | -55.4211% | 6,987 |
| Efficiency ratio | 185.5055% | 231 |
| Assets per employee ($millions) | 6.3241% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 1,222 |
| Loan loss allowance to noncurrent loans | 61.8433% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 4.5440% | 821 |
| Noncurrent loans to loans | 3.2340% | 1,621 |
| Net loans and leases to total assets | 79.7202% | 1,719 |
| Net loans and leases to deposits | 92.3488% | 3,075 |
| Net loans and leases to core deposits | 182.0167% | 269 |
| Total domestic deposits to total assets | 86.3251% | 2,249 |
| Equity capital to assets | 9.2169% | 5,053 |
| Core capital (leverage) ratio | 8.5612% | 5,463 |
| Tier 1 risk-based capital ratio | 9.0598% | 7,747 |
| Total risk-based capital ratio | 10.3159% | 7,712 |
| Memoranda: | ||
| Average total assets | $163,231,400 | 3,663 |
| Average earning assets | $146,944,600 | 3,709 |
| Average equity | $16,433,600 | 3,838 |
| Average total loans | $133,322,000 | 3,212 |