Home > Georgia Bank & Trust > Performance and Condition Ratios
Georgia Bank & Trust, 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 | 5.1007% | 4,520 |
| Cost of funding earning assets | 1.4839% | 3,664 |
| Net interest margin | 3.6167% | 4,643 |
| Noninterest income to average assets | 0.5781% | 3,428 |
| Noninterest expense to average assets | 2.2457% | 6,560 |
| Loan and lease loss provision to assets | 6.5711% | 95 |
| Net operating income to assets | -9.8969% | 7,896 |
| Return on assets (ROA) | -9.8969% | 7,896 |
| Pretax return on assets | -4.8511% | 7,755 |
| Return on Equity (ROE) | -114.8146% | 7,845 |
| Retained earnings to average equity (ytd only) | -114.8146% | 7,842 |
| Net charge-offs to loans | 8.0351% | 95 |
| Credit loss provision to net charge-offs | 98.4028% | 3,484 |
| Earnings coverage of net charge-offs (x) | 0.2576% | 4,816 |
| Efficiency ratio | 56.6275% | 6,679 |
| Assets per employee ($millions) | 6.2082% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0059% | 373 |
| Loan loss allowance to noncurrent loans | 51.6373% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 7.3359% | 709 |
| Noncurrent loans to loans | 7.7577% | 717 |
| Net loans and leases to total assets | 77.1542% | 1,301 |
| Net loans and leases to deposits | 91.3772% | 1,700 |
| Net loans and leases to core deposits | 123.2430% | 664 |
| Total domestic deposits to total assets | 84.4349% | 3,924 |
| Equity capital to assets | 8.2260% | 6,398 |
| Core capital (leverage) ratio | 8.0937% | 6,089 |
| Tier 1 risk-based capital ratio | 10.1864% | 6,896 |
| Total risk-based capital ratio | 11.4716% | 6,864 |
| Memoranda: | ||
| Average total assets | $472,554,000 | 1,482 |
| Average earning assets | $442,607,500 | 1,435 |
| Average equity | $40,733,500 | 1,640 |
| Average total loans | $392,727,000 | 1,201 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2053% | 5,625 |
| Cost of funding earning assets | 1.9487% | 3,222 |
| Net interest margin | 3.2566% | 5,902 |
| Noninterest income to average assets | 0.4763% | 4,601 |
| Noninterest expense to average assets | 2.0171% | 7,345 |
| Loan and lease loss provision to assets | 3.3544% | 473 |
| Net operating income to assets | -1.0862% | 6,637 |
| Return on assets (ROA) | -1.0644% | 6,628 |
| Pretax return on assets | -1.7809% | 6,849 |
| Return on Equity (ROE) | -12.6082% | 6,807 |
| Retained earnings to average equity (ytd only) | -13.4352% | 6,779 |
| Net charge-offs to loans | 2.1907% | 1,091 |
| Credit loss provision to net charge-offs | 180.0457% | 2,308 |
| Earnings coverage of net charge-offs (x) | 0.8263% | 5,284 |
| Efficiency ratio | 56.7157% | 6,928 |
| Assets per employee ($millions) | 6.0659% | 1,207 |
| Cash dividends to net income (ytd only)* | -6.5586% | 7,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8673% | 391 |
| Loan loss allowance to noncurrent loans | 57.4874% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 6.4865% | 846 |
| Noncurrent loans to loans | 6.7271% | 877 |
| Net loans and leases to total assets | 82.5827% | 598 |
| Net loans and leases to deposits | 99.1201% | 984 |
| Net loans and leases to core deposits | 151.8592% | 466 |
| Total domestic deposits to total assets | 83.3158% | 4,380 |
| Equity capital to assets | 9.0229% | 5,111 |
| Core capital (leverage) ratio | 8.3755% | 5,487 |
| Tier 1 risk-based capital ratio | 10.5070% | 6,393 |
| Total risk-based capital ratio | 11.7905% | 6,334 |
| Memoranda: | ||
| Average total assets | $492,783,200 | 1,406 |
| Average earning assets | $466,101,400 | 1,351 |
| Average equity | $41,599,800 | 1,606 |
| Average total loans | $419,087,000 | 1,144 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1895% | 5,920 |
| Cost of funding earning assets | 2.0038% | 3,338 |
| Net interest margin | 3.1857% | 6,076 |
| Noninterest income to average assets | 0.5171% | 4,343 |
| Noninterest expense to average assets | 2.0186% | 7,348 |
| Loan and lease loss provision to assets | 3.4771% | 379 |
| Net operating income to assets | -1.1697% | 6,943 |
| Return on assets (ROA) | -1.1410% | 6,932 |
| Pretax return on assets | -1.9088% | 7,137 |
| Return on Equity (ROE) | -13.7370% | 7,118 |
| Retained earnings to average equity (ytd only) | -14.8431% | 7,124 |
| Net charge-offs to loans | 1.8658% | 1,078 |
| Credit loss provision to net charge-offs | 219.6558% | 2,000 |
| Earnings coverage of net charge-offs (x) | 0.9624% | 5,099 |
| Efficiency ratio | 56.9899% | 6,875 |
| Assets per employee ($millions) | 6.6706% | 906 |
| Cash dividends to net income (ytd only)* | -8.0525% | 7,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6807% | 363 |
| Loan loss allowance to noncurrent loans | 114.1959% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 3.1049% | 2,206 |
| Noncurrent loans to loans | 3.2232% | 2,349 |
| Net loans and leases to total assets | 77.7453% | 1,624 |
| Net loans and leases to deposits | 97.6507% | 1,364 |
| Net loans and leases to core deposits | 145.9730% | 686 |
| Total domestic deposits to total assets | 79.6157% | 5,587 |
| Equity capital to assets | 7.7584% | 7,084 |
| Core capital (leverage) ratio | 7.7654% | 6,650 |
| Tier 1 risk-based capital ratio | 9.3417% | 7,475 |
| Total risk-based capital ratio | 10.6220% | 7,427 |
| Memoranda: | ||
| Average total assets | $499,210,000 | 1,397 |
| Average earning assets | $474,026,500 | 1,353 |
| Average equity | $41,463,750 | 1,635 |
| Average total loans | $423,548,500 | 1,151 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2160% | 6,021 |
| Cost of funding earning assets | 2.0859% | 3,337 |
| Net interest margin | 3.1301% | 6,151 |
| Noninterest income to average assets | 0.5449% | 4,072 |
| Noninterest expense to average assets | 2.0841% | 7,306 |
| Loan and lease loss provision to assets | 1.5154% | 1,131 |
| Net operating income to assets | -0.0210% | 5,880 |
| Return on assets (ROA) | -0.0210% | 5,948 |
| Pretax return on assets | -0.0813% | 5,975 |
| Return on Equity (ROE) | -0.2476% | 5,959 |
| Retained earnings to average equity (ytd only) | -1.8904% | 5,709 |
| Net charge-offs to loans | 0.8356% | 2,019 |
| Credit loss provision to net charge-offs | 210.2132% | 2,179 |
| Earnings coverage of net charge-offs (x) | 1.9893% | 4,095 |
| Efficiency ratio | 59.2388% | 6,659 |
| Assets per employee ($millions) | 5.8859% | 1,280 |
| Cash dividends to net income (ytd only)* | -663.4615% | 8,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3894% | 1,007 |
| Loan loss allowance to noncurrent loans | 98.2068% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 2.1352% | 3,011 |
| Noncurrent loans to loans | 2.4330% | 2,968 |
| Net loans and leases to total assets | 84.7268% | 535 |
| Net loans and leases to deposits | 107.6113% | 670 |
| Net loans and leases to core deposits | 162.8980% | 407 |
| Total domestic deposits to total assets | 78.7341% | 5,885 |
| Equity capital to assets | 8.5088% | 6,033 |
| Core capital (leverage) ratio | 8.3749% | 5,668 |
| Tier 1 risk-based capital ratio | 9.7021% | 7,229 |
| Total risk-based capital ratio | 10.9670% | 7,162 |
| Memoranda: | ||
| Average total assets | $494,400,000 | 1,430 |
| Average earning assets | $469,629,670 | 1,378 |
| Average equity | $42,001,670 | 1,620 |
| Average total loans | $426,534,330 | 1,169 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1539% | 6,473 |
| Cost of funding earning assets | 2.1872% | 3,233 |
| Net interest margin | 2.9667% | 6,569 |
| Noninterest income to average assets | 0.5051% | 4,285 |
| Noninterest expense to average assets | 2.0244% | 7,293 |
| Loan and lease loss provision to assets | 1.2499% | 1,026 |
| Net operating income to assets | 0.0627% | 6,088 |
| Return on assets (ROA) | 0.0627% | 6,245 |
| Pretax return on assets | 0.0499% | 6,280 |
| Return on Equity (ROE) | 0.7390% | 6,212 |
| Retained earnings to average equity (ytd only) | 0.7390% | 5,369 |
| Net charge-offs to loans | 0.8144% | 1,593 |
| Credit loss provision to net charge-offs | 178.4156% | 2,435 |
| Earnings coverage of net charge-offs (x) | 1.8553% | 3,804 |
| Efficiency ratio | 60.9001% | 6,268 |
| Assets per employee ($millions) | 5.5997% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0850% | 1,262 |
| Loan loss allowance to noncurrent loans | 85.0077% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 2.1161% | 2,727 |
| Noncurrent loans to loans | 2.4527% | 2,693 |
| Net loans and leases to total assets | 83.4037% | 786 |
| Net loans and leases to deposits | 104.1971% | 999 |
| Net loans and leases to core deposits | 150.9067% | 677 |
| Total domestic deposits to total assets | 80.0442% | 5,354 |
| Equity capital to assets | 8.4819% | 6,102 |
| Core capital (leverage) ratio | 8.1976% | 6,110 |
| Tier 1 risk-based capital ratio | 9.7151% | 7,238 |
| Total risk-based capital ratio | 10.9756% | 7,138 |
| Memoranda: | ||
| Average total assets | $497,336,000 | 1,426 |
| Average earning assets | $472,576,000 | 1,375 |
| Average equity | $42,218,500 | 1,611 |
| Average total loans | $427,778,500 | 1,185 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2027% | 4,502 |
| Cost of funding earning assets | 2.8431% | 2,508 |
| Net interest margin | 3.3596% | 5,823 |
| Noninterest income to average assets | 0.4110% | 5,384 |
| Noninterest expense to average assets | 2.0421% | 7,364 |
| Loan and lease loss provision to assets | 0.8912% | 1,673 |
| Net operating income to assets | 0.4179% | 5,082 |
| Return on assets (ROA) | 0.4179% | 4,895 |
| Pretax return on assets | 0.6469% | 4,559 |
| Return on Equity (ROE) | 5.0938% | 4,337 |
| Retained earnings to average equity (ytd only) | -2.5136% | 5,997 |
| Net charge-offs to loans | 0.2468% | 3,804 |
| Credit loss provision to net charge-offs | 418.5538% | 1,041 |
| Earnings coverage of net charge-offs (x) | 7.2236% | 3,157 |
| Efficiency ratio | 57.0394% | 6,863 |
| Assets per employee ($millions) | 5.3945% | 1,541 |
| Cash dividends to net income (ytd only)* | 149.3456% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 1,427 |
| Loan loss allowance to noncurrent loans | 238.3426% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 5,054 |
| Noncurrent loans to loans | 0.7951% | 5,051 |
| Net loans and leases to total assets | 85.2060% | 701 |
| Net loans and leases to deposits | 109.3379% | 876 |
| Net loans and leases to core deposits | 158.2123% | 615 |
| Total domestic deposits to total assets | 77.9291% | 5,736 |
| Equity capital to assets | 8.4960% | 6,091 |
| Core capital (leverage) ratio | 8.0686% | 6,379 |
| Tier 1 risk-based capital ratio | 9.4571% | 7,359 |
| Total risk-based capital ratio | 10.7154% | 7,265 |
| Memoranda: | ||
| Average total assets | $493,621,600 | 1,373 |
| Average earning assets | $465,622,600 | 1,339 |
| Average equity | $40,500,000 | 1,656 |
| Average total loans | $425,777,800 | 1,127 |