Home > Cohutta Banking Company > Performance and Condition Ratios
Cohutta Banking Company, Performance and Condition Ratios
| 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 | 4.9234% | 5,340 |
| Cost of funding earning assets | 1.2895% | 4,874 |
| Net interest margin | 3.6338% | 4,564 |
| Noninterest income to average assets | 0.3016% | 5,739 |
| Noninterest expense to average assets | 3.3267% | 2,443 |
| Loan and lease loss provision to assets | 1.0903% | 1,128 |
| Net operating income to assets | -0.4475% | 6,799 |
| Return on assets (ROA) | -0.4475% | 6,832 |
| Pretax return on assets | -0.7437% | 6,921 |
| Return on Equity (ROE) | -4.7133% | 6,866 |
| Retained earnings to average equity (ytd only) | -4.7133% | 6,565 |
| Net charge-offs to loans | 1.7025% | 1,016 |
| Credit loss provision to net charge-offs | 91.9457% | 3,618 |
| Earnings coverage of net charge-offs (x) | 0.2923% | 4,783 |
| Efficiency ratio | 90.5638% | 1,387 |
| Assets per employee ($millions) | 4.2830% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3536% | 1,487 |
| Loan loss allowance to noncurrent loans | 143.2122% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 1.3783% | 4,443 |
| Noncurrent loans to loans | 1.6434% | 4,284 |
| Net loans and leases to total assets | 67.2347% | 3,567 |
| Net loans and leases to deposits | 78.2830% | 3,985 |
| Net loans and leases to core deposits | 102.5357% | 1,853 |
| Total domestic deposits to total assets | 85.8867% | 3,218 |
| Equity capital to assets | 9.3397% | 4,776 |
| Core capital (leverage) ratio | 9.2945% | 4,070 |
| Tier 1 risk-based capital ratio | 11.9282% | 5,274 |
| Total risk-based capital ratio | 13.1891% | 5,221 |
| Memoranda: | ||
| Average total assets | $372,736,500 | 1,839 |
| Average earning assets | $345,861,000 | 1,810 |
| Average equity | $35,389,500 | 1,902 |
| Average total loans | $259,625,500 | 1,805 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1700% | 5,786 |
| Cost of funding earning assets | 1.6527% | 4,780 |
| Net interest margin | 3.5173% | 4,879 |
| Noninterest income to average assets | 0.4229% | 5,029 |
| Noninterest expense to average assets | 3.3489% | 2,841 |
| Loan and lease loss provision to assets | 2.0492% | 1,040 |
| Net operating income to assets | -1.0644% | 6,622 |
| Return on assets (ROA) | -1.0260% | 6,592 |
| Pretax return on assets | -1.6668% | 6,796 |
| Return on Equity (ROE) | -11.5282% | 6,737 |
| Retained earnings to average equity (ytd only) | -11.5282% | 6,645 |
| Net charge-offs to loans | 2.1141% | 1,153 |
| Credit loss provision to net charge-offs | 130.2777% | 3,917 |
| Earnings coverage of net charge-offs (x) | 0.2050% | 5,935 |
| Efficiency ratio | 91.2177% | 1,623 |
| Assets per employee ($millions) | 4.2856% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3856% | 1,366 |
| Loan loss allowance to noncurrent loans | 223.2793% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.9073% | 5,279 |
| Noncurrent loans to loans | 1.0684% | 5,183 |
| Net loans and leases to total assets | 68.7895% | 3,532 |
| Net loans and leases to deposits | 80.4005% | 3,914 |
| Net loans and leases to core deposits | 113.9177% | 2,505 |
| Total domestic deposits to total assets | 85.5586% | 3,252 |
| Equity capital to assets | 9.6528% | 4,211 |
| Core capital (leverage) ratio | 9.2916% | 3,991 |
| Tier 1 risk-based capital ratio | 11.9639% | 4,973 |
| Total risk-based capital ratio | 13.2246% | 4,918 |
| Memoranda: | ||
| Average total assets | $373,112,400 | 1,831 |
| Average earning assets | $344,583,000 | 1,812 |
| Average equity | $33,205,400 | 2,019 |
| Average total loans | $277,611,000 | 1,738 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1552% | 6,085 |
| Cost of funding earning assets | 1.7286% | 4,749 |
| Net interest margin | 3.4267% | 5,164 |
| Noninterest income to average assets | 0.6830% | 3,136 |
| Noninterest expense to average assets | 3.3506% | 2,727 |
| Loan and lease loss provision to assets | 2.3670% | 717 |
| Net operating income to assets | -1.1337% | 6,921 |
| Return on assets (ROA) | -1.0827% | 6,893 |
| Pretax return on assets | -1.7916% | 7,087 |
| Return on Equity (ROE) | -12.4244% | 7,043 |
| Retained earnings to average equity (ytd only) | -12.4244% | 6,969 |
| Net charge-offs to loans | 2.2565% | 842 |
| Credit loss provision to net charge-offs | 139.1705% | 3,547 |
| Earnings coverage of net charge-offs (x) | 0.2914% | 5,725 |
| Efficiency ratio | 87.1156% | 1,953 |
| Assets per employee ($millions) | 4.3920% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3367% | 1,256 |
| Loan loss allowance to noncurrent loans | 172.6440% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 2.0578% | 3,268 |
| Noncurrent loans to loans | 1.3535% | 4,667 |
| Net loans and leases to total assets | 70.1377% | 3,477 |
| Net loans and leases to deposits | 81.4610% | 4,119 |
| Net loans and leases to core deposits | 116.5762% | 2,565 |
| Total domestic deposits to total assets | 86.0997% | 2,651 |
| Equity capital to assets | 9.0714% | 5,377 |
| Core capital (leverage) ratio | 9.0849% | 4,521 |
| Tier 1 risk-based capital ratio | 10.9078% | 6,043 |
| Total risk-based capital ratio | 12.1683% | 5,992 |
| Memoranda: | ||
| Average total assets | $374,249,250 | 1,839 |
| Average earning assets | $345,478,000 | 1,822 |
| Average equity | $32,612,500 | 2,075 |
| Average total loans | $282,081,250 | 1,726 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1939% | 6,097 |
| Cost of funding earning assets | 1.8136% | 4,691 |
| Net interest margin | 3.3803% | 5,250 |
| Noninterest income to average assets | 0.6754% | 3,150 |
| Noninterest expense to average assets | 3.4168% | 2,574 |
| Loan and lease loss provision to assets | 0.6313% | 2,533 |
| Net operating income to assets | -0.1356% | 6,078 |
| Return on assets (ROA) | -0.1356% | 6,107 |
| Pretax return on assets | -0.2502% | 6,175 |
| Return on Equity (ROE) | -1.5785% | 6,162 |
| Retained earnings to average equity (ytd only) | -1.5785% | 5,643 |
| Net charge-offs to loans | 1.0891% | 1,670 |
| Credit loss provision to net charge-offs | 75.6774% | 5,306 |
| Earnings coverage of net charge-offs (x) | 0.4568% | 5,246 |
| Efficiency ratio | 89.9674% | 1,816 |
| Assets per employee ($millions) | 3.9446% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 3,378 |
| Loan loss allowance to noncurrent loans | 44.3214% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 2.9380% | 2,171 |
| Noncurrent loans to loans | 3.3087% | 2,132 |
| Net loans and leases to total assets | 75.4567% | 2,327 |
| Net loans and leases to deposits | 87.3292% | 3,296 |
| Net loans and leases to core deposits | 122.0178% | 2,206 |
| Total domestic deposits to total assets | 86.4048% | 2,567 |
| Equity capital to assets | 8.5153% | 6,025 |
| Core capital (leverage) ratio | 8.2866% | 5,822 |
| Tier 1 risk-based capital ratio | 9.4801% | 7,404 |
| Total risk-based capital ratio | 10.6913% | 7,399 |
| Memoranda: | ||
| Average total assets | $371,632,000 | 1,873 |
| Average earning assets | $343,285,670 | 1,847 |
| Average equity | $31,929,330 | 2,118 |
| Average total loans | $284,638,670 | 1,735 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1568% | 6,460 |
| Cost of funding earning assets | 1.8665% | 4,803 |
| Net interest margin | 3.2903% | 5,528 |
| Noninterest income to average assets | 0.6483% | 3,208 |
| Noninterest expense to average assets | 3.3694% | 2,447 |
| Loan and lease loss provision to assets | 0.1774% | 4,685 |
| Net operating income to assets | 0.1054% | 5,964 |
| Return on assets (ROA) | 0.1054% | 6,131 |
| Pretax return on assets | 0.1451% | 6,062 |
| Return on Equity (ROE) | 1.2209% | 6,065 |
| Retained earnings to average equity (ytd only) | 1.2209% | 5,153 |
| Net charge-offs to loans | 1.3839% | 1,024 |
| Credit loss provision to net charge-offs | 16.7343% | 5,116 |
| Earnings coverage of net charge-offs (x) | 0.3043% | 4,734 |
| Efficiency ratio | 91.2638% | 1,632 |
| Assets per employee ($millions) | 3.8147% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3054% | 4,046 |
| Loan loss allowance to noncurrent loans | 42.6606% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 2.4326% | 2,356 |
| Noncurrent loans to loans | 3.0599% | 2,126 |
| Net loans and leases to total assets | 75.2350% | 2,441 |
| Net loans and leases to deposits | 87.1126% | 3,446 |
| Net loans and leases to core deposits | 119.1257% | 2,494 |
| Total domestic deposits to total assets | 86.3652% | 2,515 |
| Equity capital to assets | 8.6085% | 5,905 |
| Core capital (leverage) ratio | 8.3562% | 5,799 |
| Tier 1 risk-based capital ratio | 9.8201% | 7,120 |
| Total risk-based capital ratio | 11.0044% | 7,110 |
| Memoranda: | ||
| Average total assets | $372,051,500 | 1,876 |
| Average earning assets | $344,165,000 | 1,858 |
| Average equity | $32,107,000 | 2,110 |
| Average total loans | $284,982,000 | 1,743 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4615% | 40 |
| Cost of funding earning assets | 4.0862% | 71 |
| Net interest margin | 6.3753% | 79 |
| Noninterest income to average assets | 1.2134% | 1,010 |
| Noninterest expense to average assets | 5.5400% | 490 |
| Loan and lease loss provision to assets | 0.7000% | 2,101 |
| Net operating income to assets | 0.5469% | 4,542 |
| Return on assets (ROA) | 0.5469% | 4,395 |
| Pretax return on assets | 0.8559% | 3,866 |
| Return on Equity (ROE) | 6.1067% | 3,900 |
| Retained earnings to average equity (ytd only) | -4.0290% | 6,330 |
| Net charge-offs to loans | 0.1312% | 4,915 |
| Credit loss provision to net charge-offs | 675.4545% | 632 |
| Earnings coverage of net charge-offs (x) | 15.0136% | 1,974 |
| Efficiency ratio | 78.0736% | 2,906 |
| Assets per employee ($millions) | 3.7401% | 4,078 |
| Cash dividends to net income (ytd only)* | 165.9776% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5934% | 2,274 |
| Loan loss allowance to noncurrent loans | 76.1274% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 1.6502% | 2,938 |
| Noncurrent loans to loans | 2.0931% | 2,637 |
| Net loans and leases to total assets | 75.7420% | 2,695 |
| Net loans and leases to deposits | 89.2231% | 3,597 |
| Net loans and leases to core deposits | 117.7049% | 2,922 |
| Total domestic deposits to total assets | 84.8906% | 2,892 |
| Equity capital to assets | 8.6511% | 5,868 |
| Core capital (leverage) ratio | 8.3370% | 5,876 |
| Tier 1 risk-based capital ratio | 9.8186% | 6,937 |
| Total risk-based capital ratio | 11.0712% | 6,823 |
| Memoranda: | ||
| Average total assets | $212,291,200 | 2,976 |
| Average earning assets | $195,880,200 | 2,945 |
| Average equity | $19,012,000 | 3,392 |
| Average total loans | $167,716,600 | 2,648 |