Home > Bank of Hiawassee > Performance and Condition Ratios
Bank of Hiawassee, Performance and Condition Ratios
| 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 | 4.6487% | 7,216 |
| Cost of funding earning assets | 2.9471% | 265 |
| Net interest margin | 1.7016% | 7,830 |
| Noninterest income to average assets | 0.3279% | 5,735 |
| Noninterest expense to average assets | 3.6175% | 2,105 |
| Loan and lease loss provision to assets | 5.8647% | 121 |
| Net operating income to assets | -7.4061% | 7,913 |
| Return on assets (ROA) | -7.3669% | 7,905 |
| Pretax return on assets | -7.6223% | 7,902 |
| Return on Equity (ROE) | -118.7949% | 7,965 |
| Retained earnings to average equity (ytd only) | -118.7949% | 7,964 |
| Net charge-offs to loans | 6.9573% | 121 |
| Credit loss provision to net charge-offs | 111.6130% | 4,921 |
| Earnings coverage of net charge-offs (x) | -0.3422% | 6,575 |
| Efficiency ratio | 198.8117% | 143 |
| Assets per employee ($millions) | 3.1746% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3736% | 273 |
| Loan loss allowance to noncurrent loans | 21.5471% | 6,981 |
| Noncurrent assets plus other real estate owned to assets | 19.2721% | 62 |
| Noncurrent loans to loans | 20.2980% | 68 |
| Net loans and leases to total assets | 71.3666% | 2,916 |
| Net loans and leases to deposits | 79.3906% | 4,103 |
| Net loans and leases to core deposits | 104.3427% | 3,531 |
| Total domestic deposits to total assets | 89.8930% | 1,016 |
| Equity capital to assets | 1.4951% | 7,976 |
| Core capital (leverage) ratio | 1.3540% | 7,975 |
| Tier 1 risk-based capital ratio | 1.7459% | 7,975 |
| Total risk-based capital ratio | 3.0293% | 7,975 |
| Memoranda: | ||
| Average total assets | $416,252,400 | 1,660 |
| Average earning assets | $364,896,200 | 1,725 |
| Average equity | $25,813,400 | 2,544 |
| Average total loans | $314,376,200 | 1,525 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 7,242 |
| Cost of funding earning assets | 2.9725% | 359 |
| Net interest margin | 1.7535% | 7,899 |
| Noninterest income to average assets | 0.3109% | 6,000 |
| Noninterest expense to average assets | 3.4404% | 2,449 |
| Loan and lease loss provision to assets | 4.5142% | 220 |
| Net operating income to assets | -3.7839% | 7,723 |
| Return on assets (ROA) | -3.7616% | 7,719 |
| Pretax return on assets | -6.0665% | 7,911 |
| Return on Equity (ROE) | -51.9194% | 7,845 |
| Retained earnings to average equity (ytd only) | -51.9194% | 7,840 |
| Net charge-offs to loans | 4.4855% | 286 |
| Credit loss provision to net charge-offs | 132.9063% | 3,763 |
| Earnings coverage of net charge-offs (x) | -0.4672% | 6,462 |
| Efficiency ratio | 185.6250% | 180 |
| Assets per employee ($millions) | 3.3951% | 5,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4339% | 220 |
| Loan loss allowance to noncurrent loans | 20.6017% | 7,061 |
| Noncurrent assets plus other real estate owned to assets | 19.2089% | 55 |
| Noncurrent loans to loans | 21.5221% | 53 |
| Net loans and leases to total assets | 70.0997% | 3,493 |
| Net loans and leases to deposits | 81.4509% | 4,122 |
| Net loans and leases to core deposits | 104.5759% | 3,864 |
| Total domestic deposits to total assets | 86.0638% | 2,674 |
| Equity capital to assets | 5.9578% | 7,865 |
| Core capital (leverage) ratio | 4.2309% | 7,968 |
| Tier 1 risk-based capital ratio | 5.1395% | 7,990 |
| Total risk-based capital ratio | 6.4231% | 7,992 |
| Memoranda: | ||
| Average total assets | $425,870,750 | 1,643 |
| Average earning assets | $374,623,750 | 1,694 |
| Average equity | $30,854,750 | 2,197 |
| Average total loans | $322,485,500 | 1,512 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8180% | 7,195 |
| Cost of funding earning assets | 3.0154% | 448 |
| Net interest margin | 1.8026% | 7,941 |
| Noninterest income to average assets | 0.2924% | 6,177 |
| Noninterest expense to average assets | 3.4445% | 2,508 |
| Loan and lease loss provision to assets | 3.5721% | 395 |
| Net operating income to assets | -3.2055% | 7,713 |
| Return on assets (ROA) | -3.2031% | 7,713 |
| Pretax return on assets | -5.1257% | 7,876 |
| Return on Equity (ROE) | -41.8479% | 7,861 |
| Retained earnings to average equity (ytd only) | -41.8479% | 7,848 |
| Net charge-offs to loans | 3.6300% | 420 |
| Credit loss provision to net charge-offs | 128.6741% | 3,615 |
| Earnings coverage of net charge-offs (x) | -0.5609% | 6,104 |
| Efficiency ratio | 182.5135% | 241 |
| Assets per employee ($millions) | 3.4051% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6076% | 345 |
| Loan loss allowance to noncurrent loans | 18.7510% | 7,199 |
| Noncurrent assets plus other real estate owned to assets | 16.8315% | 77 |
| Noncurrent loans to loans | 19.2392% | 60 |
| Net loans and leases to total assets | 72.8121% | 3,002 |
| Net loans and leases to deposits | 85.3804% | 3,666 |
| Net loans and leases to core deposits | 107.1359% | 3,708 |
| Total domestic deposits to total assets | 85.2797% | 3,120 |
| Equity capital to assets | 6.9270% | 7,647 |
| Core capital (leverage) ratio | 5.7628% | 7,959 |
| Tier 1 risk-based capital ratio | 7.0828% | 8,001 |
| Total risk-based capital ratio | 8.3575% | 8,005 |
| Memoranda: | ||
| Average total assets | $430,891,330 | 1,638 |
| Average earning assets | $381,237,000 | 1,696 |
| Average equity | $32,981,330 | 2,059 |
| Average total loans | $329,535,000 | 1,513 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9586% | 7,039 |
| Cost of funding earning assets | 3.0304% | 570 |
| Net interest margin | 1.9282% | 7,928 |
| Noninterest income to average assets | 0.3584% | 5,578 |
| Noninterest expense to average assets | 2.8142% | 4,501 |
| Loan and lease loss provision to assets | 1.3906% | 918 |
| Net operating income to assets | -0.6810% | 7,038 |
| Return on assets (ROA) | -0.6810% | 7,074 |
| Pretax return on assets | -2.1387% | 7,566 |
| Return on Equity (ROE) | -8.5055% | 7,271 |
| Retained earnings to average equity (ytd only) | -8.5055% | 6,964 |
| Net charge-offs to loans | 2.5792% | 531 |
| Credit loss provision to net charge-offs | 70.0787% | 4,350 |
| Earnings coverage of net charge-offs (x) | -0.3770% | 5,211 |
| Efficiency ratio | 136.2100% | 445 |
| Assets per employee ($millions) | 3.4343% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7631% | 599 |
| Loan loss allowance to noncurrent loans | 18.1759% | 7,254 |
| Noncurrent assets plus other real estate owned to assets | 14.2091% | 93 |
| Noncurrent loans to loans | 15.2019% | 100 |
| Net loans and leases to total assets | 73.7866% | 2,812 |
| Net loans and leases to deposits | 87.9008% | 3,305 |
| Net loans and leases to core deposits | 109.1206% | 3,551 |
| Total domestic deposits to total assets | 83.9430% | 3,742 |
| Equity capital to assets | 8.0817% | 6,695 |
| Core capital (leverage) ratio | 7.6096% | 7,013 |
| Tier 1 risk-based capital ratio | 9.0397% | 7,770 |
| Total risk-based capital ratio | 10.3049% | 7,779 |
| Memoranda: | ||
| Average total assets | $435,221,000 | 1,637 |
| Average earning assets | $385,433,500 | 1,694 |
| Average equity | $34,848,000 | 1,956 |
| Average total loans | $334,831,500 | 1,501 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3512% | 3,688 |
| Cost of funding earning assets | 3.4365% | 635 |
| Net interest margin | 2.9147% | 7,122 |
| Noninterest income to average assets | 0.5540% | 4,198 |
| Noninterest expense to average assets | 3.2975% | 2,969 |
| Loan and lease loss provision to assets | 2.5623% | 402 |
| Net operating income to assets | -1.5820% | 7,497 |
| Return on assets (ROA) | -1.5815% | 7,443 |
| Pretax return on assets | -2.6835% | 7,636 |
| Return on Equity (ROE) | -17.6885% | 7,699 |
| Retained earnings to average equity (ytd only) | -20.1992% | 7,683 |
| Net charge-offs to loans | 1.5808% | 724 |
| Credit loss provision to net charge-offs | 197.7849% | 2,471 |
| Earnings coverage of net charge-offs (x) | -0.0941% | 6,318 |
| Efficiency ratio | 103.8405% | 876 |
| Assets per employee ($millions) | 3.1933% | 5,498 |
| Cash dividends to net income (ytd only)* | -14.1937% | 7,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8908% | 477 |
| Loan loss allowance to noncurrent loans | 19.6535% | 7,256 |
| Noncurrent assets plus other real estate owned to assets | 13.4534% | 77 |
| Noncurrent loans to loans | 14.7089% | 72 |
| Net loans and leases to total assets | 75.7341% | 2,699 |
| Net loans and leases to deposits | 89.6457% | 3,510 |
| Net loans and leases to core deposits | 109.6669% | 3,804 |
| Total domestic deposits to total assets | 84.4816% | 3,085 |
| Equity capital to assets | 7.9319% | 6,924 |
| Core capital (leverage) ratio | 7.7817% | 6,831 |
| Tier 1 risk-based capital ratio | 9.0766% | 7,735 |
| Total risk-based capital ratio | 10.3229% | 7,706 |
| Memoranda: | ||
| Average total assets | $432,114,800 | 1,580 |
| Average earning assets | $388,653,200 | 1,599 |
| Average equity | $38,635,200 | 1,750 |
| Average total loans | $354,122,200 | 1,371 |