Home > First Heritage Bank > Performance and Condition Ratios

First Heritage Bank, Performance and Condition Ratios

2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9188%3,493
Cost of funding earning assets1.3632%1,814
Net interest margin3.5556%4,785
Noninterest income to average assets0.9430%1,497
Noninterest expense to average assets4.5202%582
Loan and lease loss provision to assets0.4987%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 loans4.9953%151
Credit loss provision to net charge-offs13.5886%4,349
Earnings coverage of net charge-offs (x)-0.1853%4,690
Efficiency ratio117.7096%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 loans1.9689%2,495
Loan loss allowance to noncurrent loans14.9126%6,922
Noncurrent assets plus other real estate owned to assets17.4967%96
Noncurrent loans to loans13.2026%217
Net loans and leases to total assets72.4714%1,617
Net loans and leases to deposits76.9870%3,256
Net loans and leases to core deposits77.4813%4,095
Total domestic deposits to total assets94.1347%73
Equity capital to assets2.1743%7,523
Core capital (leverage) ratio2.1142%7,525
Tier 1 risk-based capital ratio2.9735%7,523
Total risk-based capital ratio4.2331%7,523
Memoranda:
Average total assets$176,450,5003,441
Average earning assets$143,774,5003,760
Average equity$4,024,5006,879
Average total loans$129,642,0003,072
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0335%4,398
Cost of funding earning assets1.6905%1,646
Net interest margin3.3429%5,822
Noninterest income to average assets0.9261%1,753
Noninterest expense to average assets4.8573%472
Loan and lease loss provision to assets3.4588%233
Net operating income to assets-5.5411%7,569
Return on assets (ROA)-5.5411%7,574
Pretax return on assets-4.6429%7,516
Return on Equity (ROE)-103.4830%7,598
Retained earnings to average equity (ytd only)-103.4830%7,598
Net charge-offs to loans5.0770%169
Credit loss provision to net charge-offs93.7757%4,960
Earnings coverage of net charge-offs (x)-0.3210%6,368
Efficiency ratio132.2361%300
Assets per employee ($millions)3.0411%6,012
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.9946%869
Loan loss allowance to noncurrent loans21.9340%6,736
Noncurrent assets plus other real estate owned to assets17.6337%98
Noncurrent loans to loans13.6526%209
Net loans and leases to total assets70.8454%2,344
Net loans and leases to deposits75.3664%3,945
Net loans and leases to core deposits75.8318%4,745
Total domestic deposits to total assets94.0013%91
Equity capital to assets2.3838%7,595
Core capital (leverage) ratio2.2248%7,600
Tier 1 risk-based capital ratio3.1777%7,598
Total risk-based capital ratio4.4493%7,600
Memoranda:
Average total assets$204,292,2003,051
Average earning assets$167,876,6003,319
Average equity$10,939,0004,878
Average total loans$148,415,4002,802
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0828%4,412
Cost of funding earning assets1.7483%1,635
Net interest margin3.3346%5,913
Noninterest income to average assets0.8189%2,134
Noninterest expense to average assets4.6192%526
Loan and lease loss provision to assets3.4696%215
Net operating income to assets-3.9706%7,569
Return on assets (ROA)-3.9706%7,583
Pretax return on assets-4.5311%7,608
Return on Equity (ROE)-66.3133%7,624
Retained earnings to average equity (ytd only)-66.3133%7,622
Net charge-offs to loans3.3813%418
Credit loss provision to net charge-offs141.4042%2,799
Earnings coverage of net charge-offs (x)-0.4326%6,300
Efficiency ratio129.8380%295
Assets per employee ($millions)3.2816%5,511
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans4.1731%320
Loan loss allowance to noncurrent loans25.5637%6,607
Noncurrent assets plus other real estate owned to assets17.3405%101
Noncurrent loans to loans16.3244%134
Net loans and leases to total assets69.9391%2,743
Net loans and leases to deposits77.5008%3,920
Net loans and leases to core deposits78.9302%4,678
Total domestic deposits to total assets90.2431%755
Equity capital to assets4.6075%7,607
Core capital (leverage) ratio3.0195%7,678
Tier 1 risk-based capital ratio4.4943%7,663
Total risk-based capital ratio5.7821%7,667
Memoranda:
Average total assets$210,509,5003,027
Average earning assets$172,891,2503,270
Average equity$12,604,5004,525
Average total loans$152,760,0002,764
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1408%4,245
Cost of funding earning assets1.7906%1,678
Net interest margin3.3501%5,837
Noninterest income to average assets0.6696%2,898
Noninterest expense to average assets4.6046%517
Loan and lease loss provision to assets2.5920%430
Net operating income to assets-2.9649%7,505
Return on assets (ROA)-2.9649%7,513
Pretax return on assets-3.8038%7,578
Return on Equity (ROE)-46.2632%7,587
Retained earnings to average equity (ytd only)-46.2632%7,582
Net charge-offs to loans2.7757%589
Credit loss provision to net charge-offs128.9084%3,119
Earnings coverage of net charge-offs (x)-0.6027%6,047
Efficiency ratio135.7182%276
Assets per employee ($millions)3.4601%5,017
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans3.3440%619
Loan loss allowance to noncurrent loans51.8442%4,852
Noncurrent assets plus other real estate owned to assets9.5624%444
Noncurrent loans to loans6.4502%932
Net loans and leases to total assets68.7178%3,192
Net loans and leases to deposits76.9949%4,160
Net loans and leases to core deposits79.0236%4,800
Total domestic deposits to total assets89.2498%1,306
Equity capital to assets5.6641%7,575
Core capital (leverage) ratio4.7851%7,625
Tier 1 risk-based capital ratio6.7835%7,621
Total risk-based capital ratio8.0595%7,621
Memoranda:
Average total assets$215,047,0003,000
Average earning assets$174,798,6703,261
Average equity$13,782,0004,248
Average total loans$155,778,3302,747
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0315%4,874
Cost of funding earning assets1.8504%1,656
Net interest margin3.1810%6,352
Noninterest income to average assets0.4478%4,490
Noninterest expense to average assets4.1191%886
Loan and lease loss provision to assets0.9602%1,307
Net operating income to assets-1.3435%7,276
Return on assets (ROA)-1.3435%7,286
Pretax return on assets-2.0715%7,431
Return on Equity (ROE)-19.8428%7,433
Retained earnings to average equity (ytd only)-19.8428%7,364
Net charge-offs to loans1.5431%1,128
Credit loss provision to net charge-offs85.1307%3,770
Earnings coverage of net charge-offs (x)-0.9853%5,381
Efficiency ratio136.9485%278
Assets per employee ($millions)3.6350%4,730
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.7524%1,033
Loan loss allowance to noncurrent loans29.5183%6,431
Noncurrent assets plus other real estate owned to assets10.2884%375
Noncurrent loans to loans9.3244%494
Net loans and leases to total assets69.6919%3,012
Net loans and leases to deposits77.9609%4,054
Net loans and leases to core deposits79.9400%4,769
Total domestic deposits to total assets89.3934%1,303
Equity capital to assets6.5736%7,510
Core capital (leverage) ratio6.6095%7,428
Tier 1 risk-based capital ratio9.1846%7,437
Total risk-based capital ratio10.4540%7,429
Memoranda:
Average total assets$217,037,5003,026
Average earning assets$174,661,0003,327
Average equity$14,695,5004,081
Average total loans$158,638,5002,771
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0387%1,718
Cost of funding earning assets2.6954%598
Net interest margin3.3433%5,572
Noninterest income to average assets0.8623%2,132
Noninterest expense to average assets3.9115%1,494
Loan and lease loss provision to assets4.1137%312
Net operating income to assets-2.9954%7,387
Return on assets (ROA)-2.9431%7,394
Pretax return on assets-4.2795%7,590
Return on Equity (ROE)-39.1092%7,556
Retained earnings to average equity (ytd only)-39.1092%7,541
Net charge-offs to loans4.1515%382
Credit loss provision to net charge-offs120.3519%4,448
Earnings coverage of net charge-offs (x)-0.0707%6,296
Efficiency ratio106.5806%893
Assets per employee ($millions)3.5406%4,917
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.7290%993
Loan loss allowance to noncurrent loans24.2680%6,842
Noncurrent assets plus other real estate owned to assets11.6588%268
Noncurrent loans to loans11.2451%332
Net loans and leases to total assets72.5010%2,634
Net loans and leases to deposits80.5361%3,883
Net loans and leases to core deposits92.4388%4,832
Total domestic deposits to total assets90.0229%946
Equity capital to assets6.9703%7,382
Core capital (leverage) ratio6.9940%7,244
Tier 1 risk-based capital ratio8.9690%7,481
Total risk-based capital ratio10.2377%7,493
Memoranda:
Average total assets$211,171,8003,056
Average earning assets$177,340,4003,248
Average equity$15,891,4003,889
Average total loans$173,863,6002,586
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0088%2,000
Cost of funding earning assets2.8411%536
Net interest margin3.1677%6,123
Noninterest income to average assets0.8871%2,039
Noninterest expense to average assets3.9249%1,393
Loan and lease loss provision to assets5.4501%141
Net operating income to assets-3.8237%7,729
Return on assets (ROA)-3.7566%7,718
Pretax return on assets-5.6521%7,882
Return on Equity (ROE)-48.9903%7,823
Retained earnings to average equity (ytd only)-48.9903%7,820
Net charge-offs to loans4.7893%251
Credit loss provision to net charge-offs134.9316%3,681
Earnings coverage of net charge-offs (x)-0.0751%6,153
Efficiency ratio108.3816%798
Assets per employee ($millions)3.5264%4,864
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.9471%692
Loan loss allowance to noncurrent loans20.9204%7,044
Noncurrent assets plus other real estate owned to assets12.7476%192
Noncurrent loans to loans14.0873%176
Net loans and leases to total assets78.7814%1,428
Net loans and leases to deposits86.7445%3,177
Net loans and leases to core deposits104.9156%3,835
Total domestic deposits to total assets90.8200%473
Equity capital to assets5.8794%7,879
Core capital (leverage) ratio5.8931%7,820
Tier 1 risk-based capital ratio7.0741%7,889
Total risk-based capital ratio8.3107%7,894
Memoranda:
Average total assets$209,971,0003,089
Average earning assets$181,241,2503,224
Average equity$16,100,7503,891
Average total loans$177,085,2502,577
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1388%1,654
Cost of funding earning assets2.8548%682
Net interest margin3.2840%5,612
Noninterest income to average assets0.7318%2,806
Noninterest expense to average assets3.9172%1,450
Loan and lease loss provision to assets4.5924%243
Net operating income to assets-3.1209%7,699
Return on assets (ROA)-3.0232%7,679
Pretax return on assets-4.7297%7,832
Return on Equity (ROE)-36.4943%7,806
Retained earnings to average equity (ytd only)-36.4943%7,791
Net charge-offs to loans1.4670%1,292
Credit loss provision to net charge-offs366.4368%1,270
Earnings coverage of net charge-offs (x)-0.2314%5,910
Efficiency ratio107.9958%910
Assets per employee ($millions)3.6840%4,366
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans3.5281%371
Loan loss allowance to noncurrent loans41.3769%5,596
Noncurrent assets plus other real estate owned to assets8.1990%456
Noncurrent loans to loans8.5268%484
Net loans and leases to total assets83.3506%735
Net loans and leases to deposits93.8724%2,110
Net loans and leases to core deposits117.6613%2,574
Total domestic deposits to total assets88.7913%1,378
Equity capital to assets7.3004%7,413
Core capital (leverage) ratio7.2884%7,258
Tier 1 risk-based capital ratio8.1853%7,896
Total risk-based capital ratio9.4612%7,914
Memoranda:
Average total assets$208,258,6703,128
Average earning assets$183,618,0003,219
Average equity$17,252,0003,673
Average total loans$177,910,0002,603
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2565%1,425
Cost of funding earning assets2.8384%897
Net interest margin3.4181%5,060
Noninterest income to average assets0.7831%2,410
Noninterest expense to average assets3.4890%2,129
Loan and lease loss provision to assets2.1987%534
Net operating income to assets-1.1606%7,343
Return on assets (ROA)-0.9644%7,256
Pretax return on assets-1.5391%7,379
Return on Equity (ROE)-10.9812%7,425
Retained earnings to average equity (ytd only)-10.9812%7,203
Net charge-offs to loans0.6835%1,817
Credit loss provision to net charge-offs378.7375%1,360
Earnings coverage of net charge-offs (x)0.6080%4,508
Efficiency ratio90.8133%1,664
Assets per employee ($millions)3.3990%5,076
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.1085%1,217
Loan loss allowance to noncurrent loans32.9856%6,334
Noncurrent assets plus other real estate owned to assets6.3091%606
Noncurrent loans to loans6.3923%709
Net loans and leases to total assets84.2603%650
Net loans and leases to deposits96.0846%1,930
Net loans and leases to core deposits121.1811%2,317
Total domestic deposits to total assets87.6939%1,889
Equity capital to assets8.6473%5,845
Core capital (leverage) ratio8.6476%5,265
Tier 1 risk-based capital ratio9.4826%7,442
Total risk-based capital ratio10.7448%7,379
Memoranda:
Average total assets$207,393,5003,148
Average earning assets$185,597,5003,219
Average equity$18,213,0003,537
Average total loans$176,151,0002,639
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.8353%234
Cost of funding earning assets2.8798%2,353
Net interest margin4.9554%560
Noninterest income to average assets1.1295%1,223
Noninterest expense to average assets4.5848%823
Loan and lease loss provision to assets1.0009%1,473
Net operating income to assets0.1018%6,107
Return on assets (ROA)0.1018%5,950
Pretax return on assets-0.0859%6,254
Return on Equity (ROE)0.9936%5,920
Retained earnings to average equity (ytd only)0.9936%4,633
Net charge-offs to loans0.3921%2,858
Credit loss provision to net charge-offs306.8792%1,469
Earnings coverage of net charge-offs (x)2.8054%4,682
Efficiency ratio83.3632%2,130
Assets per employee ($millions)2.9636%6,142
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.6820%1,958
Loan loss allowance to noncurrent loans39.3434%6,095
Noncurrent assets plus other real estate owned to assets3.8380%1,104
Noncurrent loans to loans4.2753%1,136
Net loans and leases to total assets82.3872%1,154
Net loans and leases to deposits94.1633%2,732
Net loans and leases to core deposits117.6576%2,929
Total domestic deposits to total assets87.4939%1,708
Equity capital to assets8.9163%5,476
Core capital (leverage) ratio8.9853%4,764
Tier 1 risk-based capital ratio9.9041%6,843
Total risk-based capital ratio11.1584%6,723
Memoranda:
Average total assets$182,733,4003,378
Average earning assets$161,156,0003,453
Average equity$18,719,6003,438
Average total loans$151,993,0002,892