Home > First Heritage Bank > Performance and Condition Ratios
First Heritage 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 | 4.9188% | 3,493 |
Cost of funding earning assets | 1.3632% | 1,814 |
Net interest margin | 3.5556% | 4,785 |
Noninterest income to average assets | 0.9430% | 1,497 |
Noninterest expense to average assets | 4.5202% | 582 |
Loan and lease loss provision to assets | 0.4987% | 1,749 |
Net operating income to assets | -1.1788% | 7,091 |
Return on assets (ROA) | -0.9861% | 7,043 |
Pretax return on assets | -0.9861% | 6,992 |
Return on Equity (ROE) | -43.2352% | 7,388 |
Retained earnings to average equity (ytd only) | -43.2352% | 7,371 |
Net charge-offs to loans | 4.9953% | 151 |
Credit loss provision to net charge-offs | 13.5886% | 4,349 |
Earnings coverage of net charge-offs (x) | -0.1853% | 4,690 |
Efficiency ratio | 117.7096% | 371 |
Assets per employee ($millions) | 3.0435% | 6,067 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9689% | 2,495 |
Loan loss allowance to noncurrent loans | 14.9126% | 6,922 |
Noncurrent assets plus other real estate owned to assets | 17.4967% | 96 |
Noncurrent loans to loans | 13.2026% | 217 |
Net loans and leases to total assets | 72.4714% | 1,617 |
Net loans and leases to deposits | 76.9870% | 3,256 |
Net loans and leases to core deposits | 77.4813% | 4,095 |
Total domestic deposits to total assets | 94.1347% | 73 |
Equity capital to assets | 2.1743% | 7,523 |
Core capital (leverage) ratio | 2.1142% | 7,525 |
Tier 1 risk-based capital ratio | 2.9735% | 7,523 |
Total risk-based capital ratio | 4.2331% | 7,523 |
Memoranda: | ||
Average total assets | $176,450,500 | 3,441 |
Average earning assets | $143,774,500 | 3,760 |
Average equity | $4,024,500 | 6,879 |
Average total loans | $129,642,000 | 3,072 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0335% | 4,398 |
Cost of funding earning assets | 1.6905% | 1,646 |
Net interest margin | 3.3429% | 5,822 |
Noninterest income to average assets | 0.9261% | 1,753 |
Noninterest expense to average assets | 4.8573% | 472 |
Loan and lease loss provision to assets | 3.4588% | 233 |
Net operating income to assets | -5.5411% | 7,569 |
Return on assets (ROA) | -5.5411% | 7,574 |
Pretax return on assets | -4.6429% | 7,516 |
Return on Equity (ROE) | -103.4830% | 7,598 |
Retained earnings to average equity (ytd only) | -103.4830% | 7,598 |
Net charge-offs to loans | 5.0770% | 169 |
Credit loss provision to net charge-offs | 93.7757% | 4,960 |
Earnings coverage of net charge-offs (x) | -0.3210% | 6,368 |
Efficiency ratio | 132.2361% | 300 |
Assets per employee ($millions) | 3.0411% | 6,012 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9946% | 869 |
Loan loss allowance to noncurrent loans | 21.9340% | 6,736 |
Noncurrent assets plus other real estate owned to assets | 17.6337% | 98 |
Noncurrent loans to loans | 13.6526% | 209 |
Net loans and leases to total assets | 70.8454% | 2,344 |
Net loans and leases to deposits | 75.3664% | 3,945 |
Net loans and leases to core deposits | 75.8318% | 4,745 |
Total domestic deposits to total assets | 94.0013% | 91 |
Equity capital to assets | 2.3838% | 7,595 |
Core capital (leverage) ratio | 2.2248% | 7,600 |
Tier 1 risk-based capital ratio | 3.1777% | 7,598 |
Total risk-based capital ratio | 4.4493% | 7,600 |
Memoranda: | ||
Average total assets | $204,292,200 | 3,051 |
Average earning assets | $167,876,600 | 3,319 |
Average equity | $10,939,000 | 4,878 |
Average total loans | $148,415,400 | 2,802 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0828% | 4,412 |
Cost of funding earning assets | 1.7483% | 1,635 |
Net interest margin | 3.3346% | 5,913 |
Noninterest income to average assets | 0.8189% | 2,134 |
Noninterest expense to average assets | 4.6192% | 526 |
Loan and lease loss provision to assets | 3.4696% | 215 |
Net operating income to assets | -3.9706% | 7,569 |
Return on assets (ROA) | -3.9706% | 7,583 |
Pretax return on assets | -4.5311% | 7,608 |
Return on Equity (ROE) | -66.3133% | 7,624 |
Retained earnings to average equity (ytd only) | -66.3133% | 7,622 |
Net charge-offs to loans | 3.3813% | 418 |
Credit loss provision to net charge-offs | 141.4042% | 2,799 |
Earnings coverage of net charge-offs (x) | -0.4326% | 6,300 |
Efficiency ratio | 129.8380% | 295 |
Assets per employee ($millions) | 3.2816% | 5,511 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1731% | 320 |
Loan loss allowance to noncurrent loans | 25.5637% | 6,607 |
Noncurrent assets plus other real estate owned to assets | 17.3405% | 101 |
Noncurrent loans to loans | 16.3244% | 134 |
Net loans and leases to total assets | 69.9391% | 2,743 |
Net loans and leases to deposits | 77.5008% | 3,920 |
Net loans and leases to core deposits | 78.9302% | 4,678 |
Total domestic deposits to total assets | 90.2431% | 755 |
Equity capital to assets | 4.6075% | 7,607 |
Core capital (leverage) ratio | 3.0195% | 7,678 |
Tier 1 risk-based capital ratio | 4.4943% | 7,663 |
Total risk-based capital ratio | 5.7821% | 7,667 |
Memoranda: | ||
Average total assets | $210,509,500 | 3,027 |
Average earning assets | $172,891,250 | 3,270 |
Average equity | $12,604,500 | 4,525 |
Average total loans | $152,760,000 | 2,764 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1408% | 4,245 |
Cost of funding earning assets | 1.7906% | 1,678 |
Net interest margin | 3.3501% | 5,837 |
Noninterest income to average assets | 0.6696% | 2,898 |
Noninterest expense to average assets | 4.6046% | 517 |
Loan and lease loss provision to assets | 2.5920% | 430 |
Net operating income to assets | -2.9649% | 7,505 |
Return on assets (ROA) | -2.9649% | 7,513 |
Pretax return on assets | -3.8038% | 7,578 |
Return on Equity (ROE) | -46.2632% | 7,587 |
Retained earnings to average equity (ytd only) | -46.2632% | 7,582 |
Net charge-offs to loans | 2.7757% | 589 |
Credit loss provision to net charge-offs | 128.9084% | 3,119 |
Earnings coverage of net charge-offs (x) | -0.6027% | 6,047 |
Efficiency ratio | 135.7182% | 276 |
Assets per employee ($millions) | 3.4601% | 5,017 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3440% | 619 |
Loan loss allowance to noncurrent loans | 51.8442% | 4,852 |
Noncurrent assets plus other real estate owned to assets | 9.5624% | 444 |
Noncurrent loans to loans | 6.4502% | 932 |
Net loans and leases to total assets | 68.7178% | 3,192 |
Net loans and leases to deposits | 76.9949% | 4,160 |
Net loans and leases to core deposits | 79.0236% | 4,800 |
Total domestic deposits to total assets | 89.2498% | 1,306 |
Equity capital to assets | 5.6641% | 7,575 |
Core capital (leverage) ratio | 4.7851% | 7,625 |
Tier 1 risk-based capital ratio | 6.7835% | 7,621 |
Total risk-based capital ratio | 8.0595% | 7,621 |
Memoranda: | ||
Average total assets | $215,047,000 | 3,000 |
Average earning assets | $174,798,670 | 3,261 |
Average equity | $13,782,000 | 4,248 |
Average total loans | $155,778,330 | 2,747 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0315% | 4,874 |
Cost of funding earning assets | 1.8504% | 1,656 |
Net interest margin | 3.1810% | 6,352 |
Noninterest income to average assets | 0.4478% | 4,490 |
Noninterest expense to average assets | 4.1191% | 886 |
Loan and lease loss provision to assets | 0.9602% | 1,307 |
Net operating income to assets | -1.3435% | 7,276 |
Return on assets (ROA) | -1.3435% | 7,286 |
Pretax return on assets | -2.0715% | 7,431 |
Return on Equity (ROE) | -19.8428% | 7,433 |
Retained earnings to average equity (ytd only) | -19.8428% | 7,364 |
Net charge-offs to loans | 1.5431% | 1,128 |
Credit loss provision to net charge-offs | 85.1307% | 3,770 |
Earnings coverage of net charge-offs (x) | -0.9853% | 5,381 |
Efficiency ratio | 136.9485% | 278 |
Assets per employee ($millions) | 3.6350% | 4,730 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7524% | 1,033 |
Loan loss allowance to noncurrent loans | 29.5183% | 6,431 |
Noncurrent assets plus other real estate owned to assets | 10.2884% | 375 |
Noncurrent loans to loans | 9.3244% | 494 |
Net loans and leases to total assets | 69.6919% | 3,012 |
Net loans and leases to deposits | 77.9609% | 4,054 |
Net loans and leases to core deposits | 79.9400% | 4,769 |
Total domestic deposits to total assets | 89.3934% | 1,303 |
Equity capital to assets | 6.5736% | 7,510 |
Core capital (leverage) ratio | 6.6095% | 7,428 |
Tier 1 risk-based capital ratio | 9.1846% | 7,437 |
Total risk-based capital ratio | 10.4540% | 7,429 |
Memoranda: | ||
Average total assets | $217,037,500 | 3,026 |
Average earning assets | $174,661,000 | 3,327 |
Average equity | $14,695,500 | 4,081 |
Average total loans | $158,638,500 | 2,771 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0387% | 1,718 |
Cost of funding earning assets | 2.6954% | 598 |
Net interest margin | 3.3433% | 5,572 |
Noninterest income to average assets | 0.8623% | 2,132 |
Noninterest expense to average assets | 3.9115% | 1,494 |
Loan and lease loss provision to assets | 4.1137% | 312 |
Net operating income to assets | -2.9954% | 7,387 |
Return on assets (ROA) | -2.9431% | 7,394 |
Pretax return on assets | -4.2795% | 7,590 |
Return on Equity (ROE) | -39.1092% | 7,556 |
Retained earnings to average equity (ytd only) | -39.1092% | 7,541 |
Net charge-offs to loans | 4.1515% | 382 |
Credit loss provision to net charge-offs | 120.3519% | 4,448 |
Earnings coverage of net charge-offs (x) | -0.0707% | 6,296 |
Efficiency ratio | 106.5806% | 893 |
Assets per employee ($millions) | 3.5406% | 4,917 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7290% | 993 |
Loan loss allowance to noncurrent loans | 24.2680% | 6,842 |
Noncurrent assets plus other real estate owned to assets | 11.6588% | 268 |
Noncurrent loans to loans | 11.2451% | 332 |
Net loans and leases to total assets | 72.5010% | 2,634 |
Net loans and leases to deposits | 80.5361% | 3,883 |
Net loans and leases to core deposits | 92.4388% | 4,832 |
Total domestic deposits to total assets | 90.0229% | 946 |
Equity capital to assets | 6.9703% | 7,382 |
Core capital (leverage) ratio | 6.9940% | 7,244 |
Tier 1 risk-based capital ratio | 8.9690% | 7,481 |
Total risk-based capital ratio | 10.2377% | 7,493 |
Memoranda: | ||
Average total assets | $211,171,800 | 3,056 |
Average earning assets | $177,340,400 | 3,248 |
Average equity | $15,891,400 | 3,889 |
Average total loans | $173,863,600 | 2,586 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0088% | 2,000 |
Cost of funding earning assets | 2.8411% | 536 |
Net interest margin | 3.1677% | 6,123 |
Noninterest income to average assets | 0.8871% | 2,039 |
Noninterest expense to average assets | 3.9249% | 1,393 |
Loan and lease loss provision to assets | 5.4501% | 141 |
Net operating income to assets | -3.8237% | 7,729 |
Return on assets (ROA) | -3.7566% | 7,718 |
Pretax return on assets | -5.6521% | 7,882 |
Return on Equity (ROE) | -48.9903% | 7,823 |
Retained earnings to average equity (ytd only) | -48.9903% | 7,820 |
Net charge-offs to loans | 4.7893% | 251 |
Credit loss provision to net charge-offs | 134.9316% | 3,681 |
Earnings coverage of net charge-offs (x) | -0.0751% | 6,153 |
Efficiency ratio | 108.3816% | 798 |
Assets per employee ($millions) | 3.5264% | 4,864 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9471% | 692 |
Loan loss allowance to noncurrent loans | 20.9204% | 7,044 |
Noncurrent assets plus other real estate owned to assets | 12.7476% | 192 |
Noncurrent loans to loans | 14.0873% | 176 |
Net loans and leases to total assets | 78.7814% | 1,428 |
Net loans and leases to deposits | 86.7445% | 3,177 |
Net loans and leases to core deposits | 104.9156% | 3,835 |
Total domestic deposits to total assets | 90.8200% | 473 |
Equity capital to assets | 5.8794% | 7,879 |
Core capital (leverage) ratio | 5.8931% | 7,820 |
Tier 1 risk-based capital ratio | 7.0741% | 7,889 |
Total risk-based capital ratio | 8.3107% | 7,894 |
Memoranda: | ||
Average total assets | $209,971,000 | 3,089 |
Average earning assets | $181,241,250 | 3,224 |
Average equity | $16,100,750 | 3,891 |
Average total loans | $177,085,250 | 2,577 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1388% | 1,654 |
Cost of funding earning assets | 2.8548% | 682 |
Net interest margin | 3.2840% | 5,612 |
Noninterest income to average assets | 0.7318% | 2,806 |
Noninterest expense to average assets | 3.9172% | 1,450 |
Loan and lease loss provision to assets | 4.5924% | 243 |
Net operating income to assets | -3.1209% | 7,699 |
Return on assets (ROA) | -3.0232% | 7,679 |
Pretax return on assets | -4.7297% | 7,832 |
Return on Equity (ROE) | -36.4943% | 7,806 |
Retained earnings to average equity (ytd only) | -36.4943% | 7,791 |
Net charge-offs to loans | 1.4670% | 1,292 |
Credit loss provision to net charge-offs | 366.4368% | 1,270 |
Earnings coverage of net charge-offs (x) | -0.2314% | 5,910 |
Efficiency ratio | 107.9958% | 910 |
Assets per employee ($millions) | 3.6840% | 4,366 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5281% | 371 |
Loan loss allowance to noncurrent loans | 41.3769% | 5,596 |
Noncurrent assets plus other real estate owned to assets | 8.1990% | 456 |
Noncurrent loans to loans | 8.5268% | 484 |
Net loans and leases to total assets | 83.3506% | 735 |
Net loans and leases to deposits | 93.8724% | 2,110 |
Net loans and leases to core deposits | 117.6613% | 2,574 |
Total domestic deposits to total assets | 88.7913% | 1,378 |
Equity capital to assets | 7.3004% | 7,413 |
Core capital (leverage) ratio | 7.2884% | 7,258 |
Tier 1 risk-based capital ratio | 8.1853% | 7,896 |
Total risk-based capital ratio | 9.4612% | 7,914 |
Memoranda: | ||
Average total assets | $208,258,670 | 3,128 |
Average earning assets | $183,618,000 | 3,219 |
Average equity | $17,252,000 | 3,673 |
Average total loans | $177,910,000 | 2,603 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2565% | 1,425 |
Cost of funding earning assets | 2.8384% | 897 |
Net interest margin | 3.4181% | 5,060 |
Noninterest income to average assets | 0.7831% | 2,410 |
Noninterest expense to average assets | 3.4890% | 2,129 |
Loan and lease loss provision to assets | 2.1987% | 534 |
Net operating income to assets | -1.1606% | 7,343 |
Return on assets (ROA) | -0.9644% | 7,256 |
Pretax return on assets | -1.5391% | 7,379 |
Return on Equity (ROE) | -10.9812% | 7,425 |
Retained earnings to average equity (ytd only) | -10.9812% | 7,203 |
Net charge-offs to loans | 0.6835% | 1,817 |
Credit loss provision to net charge-offs | 378.7375% | 1,360 |
Earnings coverage of net charge-offs (x) | 0.6080% | 4,508 |
Efficiency ratio | 90.8133% | 1,664 |
Assets per employee ($millions) | 3.3990% | 5,076 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1085% | 1,217 |
Loan loss allowance to noncurrent loans | 32.9856% | 6,334 |
Noncurrent assets plus other real estate owned to assets | 6.3091% | 606 |
Noncurrent loans to loans | 6.3923% | 709 |
Net loans and leases to total assets | 84.2603% | 650 |
Net loans and leases to deposits | 96.0846% | 1,930 |
Net loans and leases to core deposits | 121.1811% | 2,317 |
Total domestic deposits to total assets | 87.6939% | 1,889 |
Equity capital to assets | 8.6473% | 5,845 |
Core capital (leverage) ratio | 8.6476% | 5,265 |
Tier 1 risk-based capital ratio | 9.4826% | 7,442 |
Total risk-based capital ratio | 10.7448% | 7,379 |
Memoranda: | ||
Average total assets | $207,393,500 | 3,148 |
Average earning assets | $185,597,500 | 3,219 |
Average equity | $18,213,000 | 3,537 |
Average total loans | $176,151,000 | 2,639 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.8353% | 234 |
Cost of funding earning assets | 2.8798% | 2,353 |
Net interest margin | 4.9554% | 560 |
Noninterest income to average assets | 1.1295% | 1,223 |
Noninterest expense to average assets | 4.5848% | 823 |
Loan and lease loss provision to assets | 1.0009% | 1,473 |
Net operating income to assets | 0.1018% | 6,107 |
Return on assets (ROA) | 0.1018% | 5,950 |
Pretax return on assets | -0.0859% | 6,254 |
Return on Equity (ROE) | 0.9936% | 5,920 |
Retained earnings to average equity (ytd only) | 0.9936% | 4,633 |
Net charge-offs to loans | 0.3921% | 2,858 |
Credit loss provision to net charge-offs | 306.8792% | 1,469 |
Earnings coverage of net charge-offs (x) | 2.8054% | 4,682 |
Efficiency ratio | 83.3632% | 2,130 |
Assets per employee ($millions) | 2.9636% | 6,142 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6820% | 1,958 |
Loan loss allowance to noncurrent loans | 39.3434% | 6,095 |
Noncurrent assets plus other real estate owned to assets | 3.8380% | 1,104 |
Noncurrent loans to loans | 4.2753% | 1,136 |
Net loans and leases to total assets | 82.3872% | 1,154 |
Net loans and leases to deposits | 94.1633% | 2,732 |
Net loans and leases to core deposits | 117.6576% | 2,929 |
Total domestic deposits to total assets | 87.4939% | 1,708 |
Equity capital to assets | 8.9163% | 5,476 |
Core capital (leverage) ratio | 8.9853% | 4,764 |
Tier 1 risk-based capital ratio | 9.9041% | 6,843 |
Total risk-based capital ratio | 11.1584% | 6,723 |
Memoranda: | ||
Average total assets | $182,733,400 | 3,378 |
Average earning assets | $161,156,000 | 3,453 |
Average equity | $18,719,600 | 3,438 |
Average total loans | $151,993,000 | 2,892 |