Home > Bartow County Bank > Performance and Condition Ratios
Bartow County Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 6,815 |
| Cost of funding earning assets | 1.5706% | 914 |
| Net interest margin | 2.3355% | 7,296 |
| Noninterest income to average assets | -0.7190% | 7,518 |
| Noninterest expense to average assets | 3.5453% | 1,888 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -2.2054% | 7,312 |
| Return on assets (ROA) | -2.2054% | 7,310 |
| Pretax return on assets | -2.2054% | 7,289 |
| Return on Equity (ROE) | -421.8527% | 7,560 |
| Retained earnings to average equity (ytd only) | -421.8527% | 7,560 |
| Net charge-offs to loans | 10.3997% | 35 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.3003% | 4,730 |
| Efficiency ratio | 264.5968% | 32 |
| Assets per employee ($millions) | 4.9065% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4523% | 7,313 |
| Loan loss allowance to noncurrent loans | 2.5190% | 7,059 |
| Noncurrent assets plus other real estate owned to assets | 19.9902% | 64 |
| Noncurrent loans to loans | 17.9542% | 91 |
| Net loans and leases to total assets | 70.4451% | 2,046 |
| Net loans and leases to deposits | 76.2783% | 3,375 |
| Net loans and leases to core deposits | 77.9934% | 4,019 |
| Total domestic deposits to total assets | 92.3527% | 201 |
| Equity capital to assets | 0.2713% | 7,564 |
| Core capital (leverage) ratio | 0.2413% | 7,565 |
| Tier 1 risk-based capital ratio | 0.3363% | 7,564 |
| Total risk-based capital ratio | 0.6725% | 7,564 |
| Memoranda: | ||
| Average total assets | $322,117,000 | 2,026 |
| Average earning assets | $283,961,000 | 2,089 |
| Average equity | $1,684,000 | 7,452 |
| Average total loans | $227,469,000 | 1,879 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 7,109 |
| Cost of funding earning assets | 2.0895% | 444 |
| Net interest margin | 1.9430% | 7,474 |
| Noninterest income to average assets | 0.0937% | 6,923 |
| Noninterest expense to average assets | 3.2399% | 2,950 |
| Loan and lease loss provision to assets | 2.9243% | 335 |
| Net operating income to assets | -5.0561% | 7,539 |
| Return on assets (ROA) | -4.9226% | 7,534 |
| Pretax return on assets | -4.1804% | 7,463 |
| Return on Equity (ROE) | -123.0507% | 7,618 |
| Retained earnings to average equity (ytd only) | -123.0507% | 7,618 |
| Net charge-offs to loans | 4.6321% | 219 |
| Credit loss provision to net charge-offs | 91.5489% | 5,061 |
| Earnings coverage of net charge-offs (x) | -0.4350% | 6,422 |
| Efficiency ratio | 175.1028% | 129 |
| Assets per employee ($millions) | 4.9286% | 2,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9731% | 892 |
| Loan loss allowance to noncurrent loans | 18.3426% | 6,869 |
| Noncurrent assets plus other real estate owned to assets | 18.2190% | 88 |
| Noncurrent loans to loans | 16.2086% | 126 |
| Net loans and leases to total assets | 68.3806% | 2,887 |
| Net loans and leases to deposits | 74.2558% | 4,152 |
| Net loans and leases to core deposits | 77.2713% | 4,555 |
| Total domestic deposits to total assets | 92.0879% | 263 |
| Equity capital to assets | 0.7619% | 7,635 |
| Core capital (leverage) ratio | 0.7144% | 7,637 |
| Tier 1 risk-based capital ratio | 1.0864% | 7,637 |
| Total risk-based capital ratio | 2.1600% | 7,637 |
| Memoranda: | ||
| Average total assets | $381,184,400 | 1,723 |
| Average earning assets | $344,626,400 | 1,737 |
| Average equity | $15,249,000 | 3,896 |
| Average total loans | $262,862,400 | 1,687 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 7,232 |
| Cost of funding earning assets | 2.1554% | 440 |
| Net interest margin | 1.9121% | 7,600 |
| Noninterest income to average assets | -0.1435% | 7,562 |
| Noninterest expense to average assets | 3.0201% | 3,673 |
| Loan and lease loss provision to assets | 2.3513% | 465 |
| Net operating income to assets | -2.3455% | 7,312 |
| Return on assets (ROA) | -2.2768% | 7,314 |
| Pretax return on assets | -3.6713% | 7,524 |
| Return on Equity (ROE) | -48.6599% | 7,550 |
| Retained earnings to average equity (ytd only) | -48.6599% | 7,547 |
| Net charge-offs to loans | 4.3155% | 254 |
| Credit loss provision to net charge-offs | 79.3761% | 5,156 |
| Earnings coverage of net charge-offs (x) | -0.4818% | 6,314 |
| Efficiency ratio | 189.6090% | 102 |
| Assets per employee ($millions) | 5.4101% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4918% | 1,340 |
| Loan loss allowance to noncurrent loans | 17.7318% | 6,984 |
| Noncurrent assets plus other real estate owned to assets | 14.8739% | 159 |
| Noncurrent loans to loans | 14.0528% | 184 |
| Net loans and leases to total assets | 67.3216% | 3,373 |
| Net loans and leases to deposits | 75.5402% | 4,258 |
| Net loans and leases to core deposits | 78.9721% | 4,671 |
| Total domestic deposits to total assets | 89.1203% | 1,333 |
| Equity capital to assets | 4.1701% | 7,632 |
| Core capital (leverage) ratio | 2.4475% | 7,703 |
| Tier 1 risk-based capital ratio | 3.6369% | 7,694 |
| Total risk-based capital ratio | 4.9025% | 7,697 |
| Memoranda: | ||
| Average total assets | $393,926,750 | 1,699 |
| Average earning assets | $357,721,250 | 1,696 |
| Average equity | $18,432,250 | 3,404 |
| Average total loans | $270,397,500 | 1,665 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 7,341 |
| Cost of funding earning assets | 2.2669% | 378 |
| Net interest margin | 1.7592% | 7,702 |
| Noninterest income to average assets | -0.2289% | 7,688 |
| Noninterest expense to average assets | 2.8438% | 4,296 |
| Loan and lease loss provision to assets | 1.9635% | 626 |
| Net operating income to assets | -2.1270% | 7,339 |
| Return on assets (ROA) | -2.1270% | 7,348 |
| Pretax return on assets | -3.4258% | 7,535 |
| Return on Equity (ROE) | -44.0524% | 7,565 |
| Retained earnings to average equity (ytd only) | -44.0524% | 7,558 |
| Net charge-offs to loans | 2.4386% | 717 |
| Credit loss provision to net charge-offs | 117.5015% | 3,458 |
| Earnings coverage of net charge-offs (x) | -0.8751% | 6,096 |
| Efficiency ratio | 205.8446% | 90 |
| Assets per employee ($millions) | 5.9361% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2123% | 692 |
| Loan loss allowance to noncurrent loans | 21.2208% | 6,883 |
| Noncurrent assets plus other real estate owned to assets | 13.4542% | 200 |
| Noncurrent loans to loans | 15.1377% | 168 |
| Net loans and leases to total assets | 67.7451% | 3,442 |
| Net loans and leases to deposits | 78.2594% | 3,922 |
| Net loans and leases to core deposits | 82.3419% | 4,367 |
| Total domestic deposits to total assets | 86.5647% | 2,780 |
| Equity capital to assets | 4.6013% | 7,658 |
| Core capital (leverage) ratio | 3.1638% | 7,731 |
| Tier 1 risk-based capital ratio | 4.9137% | 7,706 |
| Total risk-based capital ratio | 6.1898% | 7,704 |
| Memoranda: | ||
| Average total assets | $406,213,000 | 1,671 |
| Average earning assets | $371,866,670 | 1,662 |
| Average equity | $19,613,000 | 3,231 |
| Average total loans | $278,354,330 | 1,645 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1332% | 7,341 |
| Cost of funding earning assets | 2.5114% | 221 |
| Net interest margin | 1.6218% | 7,811 |
| Noninterest income to average assets | 0.4502% | 4,462 |
| Noninterest expense to average assets | 2.7050% | 4,886 |
| Loan and lease loss provision to assets | 1.4994% | 778 |
| Net operating income to assets | -1.4040% | 7,293 |
| Return on assets (ROA) | -1.4040% | 7,307 |
| Pretax return on assets | -2.2692% | 7,473 |
| Return on Equity (ROE) | -28.4733% | 7,546 |
| Retained earnings to average equity (ytd only) | -28.4733% | 7,514 |
| Net charge-offs to loans | 1.8413% | 938 |
| Credit loss provision to net charge-offs | 120.0000% | 2,902 |
| Earnings coverage of net charge-offs (x) | -0.6160% | 5,317 |
| Efficiency ratio | 139.7733% | 256 |
| Assets per employee ($millions) | 5.0178% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9343% | 868 |
| Loan loss allowance to noncurrent loans | 28.8343% | 6,472 |
| Noncurrent assets plus other real estate owned to assets | 9.5205% | 432 |
| Noncurrent loans to loans | 10.1763% | 411 |
| Net loans and leases to total assets | 66.0057% | 3,848 |
| Net loans and leases to deposits | 75.9123% | 4,433 |
| Net loans and leases to core deposits | 80.7886% | 4,664 |
| Total domestic deposits to total assets | 86.9499% | 2,654 |
| Equity capital to assets | 4.8496% | 7,731 |
| Core capital (leverage) ratio | 4.5017% | 7,744 |
| Tier 1 risk-based capital ratio | 6.9064% | 7,704 |
| Total risk-based capital ratio | 8.1776% | 7,706 |
| Memoranda: | ||
| Average total assets | $419,364,000 | 1,658 |
| Average earning assets | $384,010,000 | 1,654 |
| Average equity | $20,679,000 | 3,103 |
| Average total loans | $284,575,000 | 1,655 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 7,093 |
| Cost of funding earning assets | 2.7793% | 470 |
| Net interest margin | 1.9488% | 7,764 |
| Noninterest income to average assets | -0.0377% | 7,758 |
| Noninterest expense to average assets | 2.5622% | 5,916 |
| Loan and lease loss provision to assets | 3.4871% | 444 |
| Net operating income to assets | -2.8445% | 7,360 |
| Return on assets (ROA) | -2.7004% | 7,330 |
| Pretax return on assets | -4.0883% | 7,550 |
| Return on Equity (ROE) | -43.3316% | 7,613 |
| Retained earnings to average equity (ytd only) | -43.3316% | 7,599 |
| Net charge-offs to loans | 3.7534% | 488 |
| Credit loss provision to net charge-offs | 130.3054% | 3,914 |
| Earnings coverage of net charge-offs (x) | -0.3063% | 6,556 |
| Efficiency ratio | 147.0307% | 338 |
| Assets per employee ($millions) | 5.1478% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7468% | 975 |
| Loan loss allowance to noncurrent loans | 37.7649% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 7.4817% | 647 |
| Noncurrent loans to loans | 7.2735% | 739 |
| Net loans and leases to total assets | 65.8615% | 4,191 |
| Net loans and leases to deposits | 75.6618% | 4,802 |
| Net loans and leases to core deposits | 107.1125% | 3,206 |
| Total domestic deposits to total assets | 87.0472% | 2,476 |
| Equity capital to assets | 5.0095% | 7,795 |
| Core capital (leverage) ratio | 4.5598% | 7,799 |
| Tier 1 risk-based capital ratio | 7.1623% | 7,732 |
| Total risk-based capital ratio | 8.4315% | 7,736 |
| Memoranda: | ||
| Average total assets | $431,936,800 | 1,602 |
| Average earning assets | $394,596,000 | 1,610 |
| Average equity | $26,918,000 | 2,457 |
| Average total loans | $307,963,400 | 1,551 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7892% | 7,141 |
| Cost of funding earning assets | 2.7976% | 600 |
| Net interest margin | 1.9916% | 7,816 |
| Noninterest income to average assets | -0.2189% | 7,986 |
| Noninterest expense to average assets | 2.4628% | 6,205 |
| Loan and lease loss provision to assets | 2.5259% | 655 |
| Net operating income to assets | -2.3276% | 7,422 |
| Return on assets (ROA) | -2.2242% | 7,382 |
| Pretax return on assets | -3.2404% | 7,556 |
| Return on Equity (ROE) | -34.0434% | 7,685 |
| Retained earnings to average equity (ytd only) | -34.0434% | 7,677 |
| Net charge-offs to loans | 2.5530% | 717 |
| Credit loss provision to net charge-offs | 137.0698% | 3,610 |
| Earnings coverage of net charge-offs (x) | -0.4691% | 6,465 |
| Efficiency ratio | 154.0832% | 296 |
| Assets per employee ($millions) | 4.8133% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2352% | 1,367 |
| Loan loss allowance to noncurrent loans | 32.9999% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 7.4144% | 611 |
| Noncurrent loans to loans | 6.7733% | 827 |
| Net loans and leases to total assets | 67.2852% | 4,120 |
| Net loans and leases to deposits | 78.1697% | 4,717 |
| Net loans and leases to core deposits | 107.0395% | 3,586 |
| Total domestic deposits to total assets | 86.0758% | 2,670 |
| Equity capital to assets | 6.0446% | 7,853 |
| Core capital (leverage) ratio | 5.9020% | 7,819 |
| Tier 1 risk-based capital ratio | 8.7558% | 7,695 |
| Total risk-based capital ratio | 10.0180% | 7,729 |
| Memoranda: | ||
| Average total assets | $433,104,000 | 1,611 |
| Average earning assets | $395,183,500 | 1,621 |
| Average equity | $28,296,500 | 2,372 |
| Average total loans | $312,616,000 | 1,552 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8347% | 7,158 |
| Cost of funding earning assets | 2.8222% | 740 |
| Net interest margin | 2.0125% | 7,859 |
| Noninterest income to average assets | -0.6073% | 8,132 |
| Noninterest expense to average assets | 2.5067% | 6,098 |
| Loan and lease loss provision to assets | 2.0491% | 788 |
| Net operating income to assets | -2.4251% | 7,541 |
| Return on assets (ROA) | -2.3045% | 7,508 |
| Pretax return on assets | -3.1681% | 7,607 |
| Return on Equity (ROE) | -34.4134% | 7,776 |
| Retained earnings to average equity (ytd only) | -34.4134% | 7,753 |
| Net charge-offs to loans | 1.2903% | 1,436 |
| Credit loss provision to net charge-offs | 216.6504% | 2,125 |
| Earnings coverage of net charge-offs (x) | -1.3579% | 6,299 |
| Efficiency ratio | 205.0623% | 188 |
| Assets per employee ($millions) | 4.8292% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2095% | 1,228 |
| Loan loss allowance to noncurrent loans | 34.0610% | 6,182 |
| Noncurrent assets plus other real estate owned to assets | 6.9176% | 624 |
| Noncurrent loans to loans | 6.4869% | 817 |
| Net loans and leases to total assets | 69.5918% | 3,797 |
| Net loans and leases to deposits | 81.9684% | 4,228 |
| Net loans and leases to core deposits | 108.2102% | 3,588 |
| Total domestic deposits to total assets | 84.9007% | 3,313 |
| Equity capital to assets | 6.2557% | 7,879 |
| Core capital (leverage) ratio | 6.0415% | 7,916 |
| Tier 1 risk-based capital ratio | 8.8905% | 7,747 |
| Total risk-based capital ratio | 10.1539% | 7,780 |
| Memoranda: | ||
| Average total assets | $433,073,670 | 1,633 |
| Average earning assets | $393,734,330 | 1,649 |
| Average equity | $29,000,330 | 2,336 |
| Average total loans | $317,441,330 | 1,566 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0610% | 6,761 |
| Cost of funding earning assets | 2.7646% | 1,072 |
| Net interest margin | 2.2964% | 7,716 |
| Noninterest income to average assets | 0.4071% | 5,161 |
| Noninterest expense to average assets | 2.3206% | 6,466 |
| Loan and lease loss provision to assets | 0.5654% | 2,224 |
| Net operating income to assets | -0.2405% | 6,606 |
| Return on assets (ROA) | -0.1434% | 6,576 |
| Pretax return on assets | -0.2397% | 6,613 |
| Return on Equity (ROE) | -2.0732% | 6,668 |
| Retained earnings to average equity (ytd only) | -2.0732% | 6,117 |
| Net charge-offs to loans | 1.4183% | 1,005 |
| Credit loss provision to net charge-offs | 53.5965% | 4,619 |
| Earnings coverage of net charge-offs (x) | 0.1649% | 4,850 |
| Efficiency ratio | 93.0267% | 1,497 |
| Assets per employee ($millions) | 4.2807% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 4,431 |
| Loan loss allowance to noncurrent loans | 41.9227% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 4.8181% | 960 |
| Noncurrent loans to loans | 2.9826% | 2,192 |
| Net loans and leases to total assets | 69.4675% | 3,803 |
| Net loans and leases to deposits | 81.9443% | 4,292 |
| Net loans and leases to core deposits | 106.0252% | 3,909 |
| Total domestic deposits to total assets | 84.7741% | 3,315 |
| Equity capital to assets | 6.6960% | 7,811 |
| Core capital (leverage) ratio | 6.7584% | 7,779 |
| Tier 1 risk-based capital ratio | 9.2488% | 7,627 |
| Total risk-based capital ratio | 10.4883% | 7,624 |
| Memoranda: | ||
| Average total assets | $432,296,000 | 1,647 |
| Average earning assets | $392,968,000 | 1,664 |
| Average equity | $29,906,000 | 2,285 |
| Average total loans | $321,512,000 | 1,561 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4737% | 3,095 |
| Cost of funding earning assets | 3.1536% | 1,339 |
| Net interest margin | 3.3201% | 5,969 |
| Noninterest income to average assets | 0.7760% | 2,639 |
| Noninterest expense to average assets | 2.7471% | 5,062 |
| Loan and lease loss provision to assets | 0.6379% | 2,282 |
| Net operating income to assets | 0.3016% | 5,533 |
| Return on assets (ROA) | 0.3059% | 5,339 |
| Pretax return on assets | 0.4170% | 5,210 |
| Return on Equity (ROE) | 4.3275% | 4,672 |
| Retained earnings to average equity (ytd only) | 1.7394% | 4,168 |
| Net charge-offs to loans | 0.7075% | 1,746 |
| Credit loss provision to net charge-offs | 113.3480% | 4,760 |
| Earnings coverage of net charge-offs (x) | 1.8639% | 5,138 |
| Efficiency ratio | 72.3681% | 3,868 |
| Assets per employee ($millions) | 3.9196% | 3,682 |
| Cash dividends to net income (ytd only)* | 59.8055% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 3,490 |
| Loan loss allowance to noncurrent loans | 35.0663% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 4.8684% | 728 |
| Noncurrent loans to loans | 3.8430% | 1,292 |
| Net loans and leases to total assets | 77.5869% | 2,241 |
| Net loans and leases to deposits | 97.4383% | 2,211 |
| Net loans and leases to core deposits | 123.0508% | 2,395 |
| Total domestic deposits to total assets | 79.6268% | 5,157 |
| Equity capital to assets | 7.1536% | 7,652 |
| Core capital (leverage) ratio | 7.1017% | 7,614 |
| Tier 1 risk-based capital ratio | 8.9286% | 7,828 |
| Total risk-based capital ratio | 10.1788% | 7,845 |
| Memoranda: | ||
| Average total assets | $403,374,000 | 1,691 |
| Average earning assets | $366,913,200 | 1,696 |
| Average equity | $28,515,000 | 2,370 |
| Average total loans | $320,837,400 | 1,510 |