Home > Chestatee State Bank > Performance and Condition Ratios
Chestatee State Bank, Performance and Condition Ratios
| 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 | 4.6933% | 6,045 |
| Cost of funding earning assets | 2.4572% | 166 |
| Net interest margin | 2.2361% | 7,505 |
| Noninterest income to average assets | -0.7915% | 7,714 |
| Noninterest expense to average assets | 3.7155% | 1,538 |
| Loan and lease loss provision to assets | 3.2331% | 246 |
| Net operating income to assets | -5.8690% | 7,689 |
| Return on assets (ROA) | -5.6922% | 7,688 |
| Pretax return on assets | -5.6922% | 7,679 |
| Return on Equity (ROE) | -163.7989% | 7,731 |
| Retained earnings to average equity (ytd only) | -163.7989% | 7,731 |
| Net charge-offs to loans | 6.6204% | 78 |
| Credit loss provision to net charge-offs | 69.8063% | 5,426 |
| Earnings coverage of net charge-offs (x) | -0.5691% | 6,355 |
| Efficiency ratio | 344.1595% | 20 |
| Assets per employee ($millions) | 4.1420% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9103% | 2,451 |
| Loan loss allowance to noncurrent loans | 11.5900% | 7,153 |
| Noncurrent assets plus other real estate owned to assets | 23.9095% | 28 |
| Noncurrent loans to loans | 16.4819% | 129 |
| Net loans and leases to total assets | 68.4789% | 3,104 |
| Net loans and leases to deposits | 69.5895% | 5,209 |
| Net loans and leases to core deposits | 72.4388% | 5,462 |
| Total domestic deposits to total assets | 98.4041% | 7 |
| Equity capital to assets | 0.8692% | 7,747 |
| Core capital (leverage) ratio | 0.8504% | 7,744 |
| Tier 1 risk-based capital ratio | 1.0332% | 7,746 |
| Total risk-based capital ratio | 2.0664% | 7,746 |
| Memoranda: | ||
| Average total assets | $260,094,250 | 2,488 |
| Average earning assets | $217,638,750 | 2,693 |
| Average equity | $9,038,500 | 5,485 |
| Average total loans | $181,957,250 | 2,372 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6542% | 6,296 |
| Cost of funding earning assets | 2.4664% | 197 |
| Net interest margin | 2.1878% | 7,589 |
| Noninterest income to average assets | 0.2992% | 5,754 |
| Noninterest expense to average assets | 3.7862% | 1,380 |
| Loan and lease loss provision to assets | 1.4864% | 893 |
| Net operating income to assets | -3.1266% | 7,523 |
| Return on assets (ROA) | -3.1116% | 7,526 |
| Pretax return on assets | -3.1116% | 7,485 |
| Return on Equity (ROE) | -72.7829% | 7,688 |
| Retained earnings to average equity (ytd only) | -72.7829% | 7,686 |
| Net charge-offs to loans | 3.3164% | 453 |
| Credit loss provision to net charge-offs | 64.0260% | 5,118 |
| Earnings coverage of net charge-offs (x) | -0.7065% | 6,071 |
| Efficiency ratio | 176.4313% | 134 |
| Assets per employee ($millions) | 4.3794% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6901% | 1,103 |
| Loan loss allowance to noncurrent loans | 13.1052% | 7,189 |
| Noncurrent assets plus other real estate owned to assets | 24.5984% | 23 |
| Noncurrent loans to loans | 20.5268% | 76 |
| Net loans and leases to total assets | 68.2914% | 3,292 |
| Net loans and leases to deposits | 71.3998% | 5,088 |
| Net loans and leases to core deposits | 75.1868% | 5,299 |
| Total domestic deposits to total assets | 95.6465% | 32 |
| Equity capital to assets | 3.6283% | 7,717 |
| Core capital (leverage) ratio | 3.4618% | 7,713 |
| Tier 1 risk-based capital ratio | 4.2357% | 7,738 |
| Total risk-based capital ratio | 5.4984% | 7,739 |
| Memoranda: | ||
| Average total assets | $265,333,670 | 2,462 |
| Average earning assets | $223,970,330 | 2,640 |
| Average equity | $11,343,330 | 4,845 |
| Average total loans | $185,741,330 | 2,356 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 6,372 |
| Cost of funding earning assets | 2.5228% | 213 |
| Net interest margin | 2.1385% | 7,676 |
| Noninterest income to average assets | 0.2634% | 6,047 |
| Noninterest expense to average assets | 3.8213% | 1,297 |
| Loan and lease loss provision to assets | 0.7797% | 1,619 |
| Net operating income to assets | -2.5327% | 7,562 |
| Return on assets (ROA) | -2.5327% | 7,563 |
| Pretax return on assets | -2.5327% | 7,518 |
| Return on Equity (ROE) | -55.2261% | 7,732 |
| Retained earnings to average equity (ytd only) | -55.2261% | 7,723 |
| Net charge-offs to loans | 5.0611% | 239 |
| Credit loss provision to net charge-offs | 22.0353% | 4,925 |
| Earnings coverage of net charge-offs (x) | -0.4954% | 5,278 |
| Efficiency ratio | 184.7482% | 117 |
| Assets per employee ($millions) | 4.5313% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2513% | 1,660 |
| Loan loss allowance to noncurrent loans | 11.5085% | 7,301 |
| Noncurrent assets plus other real estate owned to assets | 23.6441% | 34 |
| Noncurrent loans to loans | 19.5621% | 85 |
| Net loans and leases to total assets | 67.1062% | 3,602 |
| Net loans and leases to deposits | 71.0140% | 5,198 |
| Net loans and leases to core deposits | 74.7663% | 5,421 |
| Total domestic deposits to total assets | 94.4971% | 58 |
| Equity capital to assets | 4.3120% | 7,772 |
| Core capital (leverage) ratio | 4.2949% | 7,755 |
| Tier 1 risk-based capital ratio | 5.1756% | 7,787 |
| Total risk-based capital ratio | 6.4329% | 7,790 |
| Memoranda: | ||
| Average total assets | $268,807,000 | 2,482 |
| Average earning assets | $226,887,000 | 2,666 |
| Average equity | $12,327,500 | 4,632 |
| Average total loans | $187,945,000 | 2,401 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6728% | 7,180 |
| Cost of funding earning assets | 3.4129% | 62 |
| Net interest margin | 1.2599% | 7,901 |
| Noninterest income to average assets | -0.4312% | 7,928 |
| Noninterest expense to average assets | 3.0775% | 3,842 |
| Loan and lease loss provision to assets | 0.7002% | 3,018 |
| Net operating income to assets | -2.4510% | 7,255 |
| Return on assets (ROA) | -2.3465% | 7,218 |
| Pretax return on assets | -3.0085% | 7,292 |
| Return on Equity (ROE) | -38.2572% | 7,539 |
| Retained earnings to average equity (ytd only) | -38.2572% | 7,527 |
| Net charge-offs to loans | 3.5415% | 545 |
| Credit loss provision to net charge-offs | 26.7577% | 6,914 |
| Earnings coverage of net charge-offs (x) | -0.9332% | 6,871 |
| Efficiency ratio | 484.4769% | 31 |
| Assets per employee ($millions) | 4.5808% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1125% | 702 |
| Loan loss allowance to noncurrent loans | 15.9098% | 7,215 |
| Noncurrent assets plus other real estate owned to assets | 22.5966% | 35 |
| Noncurrent loans to loans | 19.5637% | 75 |
| Net loans and leases to total assets | 68.9558% | 3,500 |
| Net loans and leases to deposits | 73.3771% | 5,142 |
| Net loans and leases to core deposits | 116.7892% | 2,237 |
| Total domestic deposits to total assets | 93.9745% | 73 |
| Equity capital to assets | 4.8571% | 7,800 |
| Core capital (leverage) ratio | 4.7023% | 7,789 |
| Tier 1 risk-based capital ratio | 5.8763% | 7,820 |
| Total risk-based capital ratio | 7.1458% | 7,825 |
| Memoranda: | ||
| Average total assets | $279,902,400 | 2,349 |
| Average earning assets | $236,924,200 | 2,533 |
| Average equity | $17,168,000 | 3,643 |
| Average total loans | $206,835,800 | 2,236 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7380% | 7,224 |
| Cost of funding earning assets | 3.5663% | 52 |
| Net interest margin | 1.1716% | 7,994 |
| Noninterest income to average assets | 0.2239% | 6,626 |
| Noninterest expense to average assets | 2.8091% | 4,858 |
| Loan and lease loss provision to assets | 0.4340% | 3,732 |
| Net operating income to assets | -2.0289% | 7,332 |
| Return on assets (ROA) | -1.8613% | 7,262 |
| Pretax return on assets | -1.8613% | 7,118 |
| Return on Equity (ROE) | -28.9056% | 7,582 |
| Retained earnings to average equity (ytd only) | -28.9056% | 7,572 |
| Net charge-offs to loans | 2.0095% | 977 |
| Credit loss provision to net charge-offs | 28.9723% | 6,518 |
| Earnings coverage of net charge-offs (x) | -1.0646% | 6,642 |
| Efficiency ratio | 231.3497% | 101 |
| Assets per employee ($millions) | 5.1044% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4567% | 217 |
| Loan loss allowance to noncurrent loans | 19.9325% | 7,097 |
| Noncurrent assets plus other real estate owned to assets | 22.4459% | 34 |
| Noncurrent loans to loans | 22.3588% | 47 |
| Net loans and leases to total assets | 67.0305% | 4,179 |
| Net loans and leases to deposits | 72.5930% | 5,571 |
| Net loans and leases to core deposits | 112.0576% | 3,017 |
| Total domestic deposits to total assets | 92.3375% | 136 |
| Equity capital to assets | 5.4848% | 7,922 |
| Core capital (leverage) ratio | 5.3629% | 7,893 |
| Tier 1 risk-based capital ratio | 6.6992% | 7,922 |
| Total risk-based capital ratio | 7.9809% | 7,925 |
| Memoranda: | ||
| Average total assets | $282,311,500 | 2,344 |
| Average earning assets | $238,633,000 | 2,537 |
| Average equity | $18,178,250 | 3,504 |
| Average total loans | $210,457,000 | 2,208 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9060% | 7,018 |
| Cost of funding earning assets | 3.6492% | 66 |
| Net interest margin | 1.2568% | 8,066 |
| Noninterest income to average assets | 0.2197% | 6,730 |
| Noninterest expense to average assets | 2.7169% | 5,319 |
| Loan and lease loss provision to assets | 0.0716% | 6,481 |
| Net operating income to assets | -1.5224% | 7,258 |
| Return on assets (ROA) | -1.4393% | 7,220 |
| Pretax return on assets | -1.4393% | 7,060 |
| Return on Equity (ROE) | -21.2598% | 7,539 |
| Retained earnings to average equity (ytd only) | -21.2598% | 7,493 |
| Net charge-offs to loans | 1.5110% | 1,258 |
| Credit loss provision to net charge-offs | 6.2267% | 6,210 |
| Earnings coverage of net charge-offs (x) | -1.2621% | 6,278 |
| Efficiency ratio | 214.5845% | 169 |
| Assets per employee ($millions) | 4.8500% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7152% | 154 |
| Loan loss allowance to noncurrent loans | 21.6960% | 7,033 |
| Noncurrent assets plus other real estate owned to assets | 22.3826% | 33 |
| Noncurrent loans to loans | 21.7331% | 43 |
| Net loans and leases to total assets | 68.3669% | 4,092 |
| Net loans and leases to deposits | 74.6000% | 5,362 |
| Net loans and leases to core deposits | 115.0062% | 2,805 |
| Total domestic deposits to total assets | 91.6446% | 279 |
| Equity capital to assets | 6.1471% | 7,902 |
| Core capital (leverage) ratio | 6.3145% | 7,852 |
| Tier 1 risk-based capital ratio | 7.4143% | 7,972 |
| Total risk-based capital ratio | 8.6996% | 7,979 |
| Memoranda: | ||
| Average total assets | $279,432,670 | 2,380 |
| Average earning assets | $232,656,000 | 2,596 |
| Average equity | $18,918,330 | 3,406 |
| Average total loans | $212,569,000 | 2,227 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0778% | 6,715 |
| Cost of funding earning assets | 3.7016% | 90 |
| Net interest margin | 1.3763% | 8,090 |
| Noninterest income to average assets | 0.2251% | 6,666 |
| Noninterest expense to average assets | 2.8343% | 4,405 |
| Loan and lease loss provision to assets | 0.1462% | 5,068 |
| Net operating income to assets | -1.6064% | 7,543 |
| Return on assets (ROA) | -1.4369% | 7,487 |
| Pretax return on assets | -1.4369% | 7,343 |
| Return on Equity (ROE) | -20.2331% | 7,758 |
| Retained earnings to average equity (ytd only) | -20.2331% | 7,650 |
| Net charge-offs to loans | 1.7122% | 848 |
| Credit loss provision to net charge-offs | 10.8932% | 5,186 |
| Earnings coverage of net charge-offs (x) | -1.0882% | 5,382 |
| Efficiency ratio | 206.2766% | 175 |
| Assets per employee ($millions) | 4.5496% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9711% | 110 |
| Loan loss allowance to noncurrent loans | 21.1247% | 7,108 |
| Noncurrent assets plus other real estate owned to assets | 24.6558% | 17 |
| Noncurrent loans to loans | 23.5321% | 29 |
| Net loans and leases to total assets | 72.5527% | 3,106 |
| Net loans and leases to deposits | 79.8395% | 4,641 |
| Net loans and leases to core deposits | 121.7541% | 2,276 |
| Total domestic deposits to total assets | 90.8733% | 458 |
| Equity capital to assets | 6.8444% | 7,751 |
| Core capital (leverage) ratio | 6.8622% | 7,720 |
| Tier 1 risk-based capital ratio | 7.7942% | 8,031 |
| Total risk-based capital ratio | 9.0824% | 8,049 |
| Memoranda: | ||
| Average total assets | $273,649,500 | 2,431 |
| Average earning assets | $228,444,000 | 2,661 |
| Average equity | $19,433,500 | 3,360 |
| Average total loans | $214,457,500 | 2,224 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4875% | 7,333 |
| Cost of funding earning assets | 3.6319% | 338 |
| Net interest margin | 1.8556% | 8,118 |
| Noninterest income to average assets | 0.2919% | 6,377 |
| Noninterest expense to average assets | 2.6096% | 5,613 |
| Loan and lease loss provision to assets | 2.2757% | 500 |
| Net operating income to assets | -2.7738% | 7,773 |
| Return on assets (ROA) | -2.7735% | 7,745 |
| Pretax return on assets | -2.9022% | 7,685 |
| Return on Equity (ROE) | -31.9876% | 7,989 |
| Retained earnings to average equity (ytd only) | -31.9876% | 7,944 |
| Net charge-offs to loans | 1.8024% | 609 |
| Credit loss provision to net charge-offs | 153.1425% | 3,413 |
| Earnings coverage of net charge-offs (x) | -0.4218% | 6,463 |
| Efficiency ratio | 131.6120% | 454 |
| Assets per employee ($millions) | 4.0875% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2302% | 89 |
| Loan loss allowance to noncurrent loans | 20.6258% | 7,206 |
| Noncurrent assets plus other real estate owned to assets | 26.4781% | 13 |
| Noncurrent loans to loans | 25.3573% | 18 |
| Net loans and leases to total assets | 76.2412% | 2,557 |
| Net loans and leases to deposits | 84.4726% | 4,341 |
| Net loans and leases to core deposits | 124.2698% | 2,303 |
| Total domestic deposits to total assets | 90.2555% | 565 |
| Equity capital to assets | 7.3662% | 7,499 |
| Core capital (leverage) ratio | 7.0806% | 7,631 |
| Tier 1 risk-based capital ratio | 8.0999% | 8,070 |
| Total risk-based capital ratio | 9.3921% | 8,098 |
| Memoranda: | ||
| Average total assets | $289,091,800 | 2,259 |
| Average earning assets | $263,417,200 | 2,261 |
| Average equity | $25,066,000 | 2,632 |
| Average total loans | $238,354,400 | 1,983 |