Home > Habersham Bank > Performance and Condition Ratios
Habersham Bank, Performance and Condition Ratios
| 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 | 4.6966% | 5,817 |
| Cost of funding earning assets | 1.8612% | 966 |
| Net interest margin | 2.8354% | 6,986 |
| Noninterest income to average assets | -0.0686% | 7,370 |
| Noninterest expense to average assets | 3.2722% | 2,823 |
| Loan and lease loss provision to assets | 2.1904% | 569 |
| Net operating income to assets | -3.2528% | 7,342 |
| Return on assets (ROA) | -2.9482% | 7,304 |
| Pretax return on assets | -2.9482% | 7,282 |
| Return on Equity (ROE) | -116.2613% | 7,609 |
| Retained earnings to average equity (ytd only) | -116.2613% | 7,609 |
| Net charge-offs to loans | 5.8064% | 107 |
| Credit loss provision to net charge-offs | 62.5719% | 6,038 |
| Earnings coverage of net charge-offs (x) | -0.3035% | 6,360 |
| Efficiency ratio | 147.4061% | 228 |
| Assets per employee ($millions) | 4.4561% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9695% | 896 |
| Loan loss allowance to noncurrent loans | 13.1558% | 7,036 |
| Noncurrent assets plus other real estate owned to assets | 23.7425% | 41 |
| Noncurrent loans to loans | 22.5715% | 57 |
| Net loans and leases to total assets | 55.9914% | 5,348 |
| Net loans and leases to deposits | 63.8559% | 5,646 |
| Net loans and leases to core deposits | 65.5545% | 5,923 |
| Total domestic deposits to total assets | 87.6839% | 2,431 |
| Equity capital to assets | 0.7424% | 7,637 |
| Core capital (leverage) ratio | 0.8684% | 7,634 |
| Tier 1 risk-based capital ratio | 1.2354% | 7,634 |
| Total risk-based capital ratio | 2.4709% | 7,634 |
| Memoranda: | ||
| Average total assets | $416,961,400 | 1,591 |
| Average earning assets | $335,054,000 | 1,778 |
| Average equity | $10,573,600 | 4,965 |
| Average total loans | $251,376,600 | 1,753 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7003% | 6,017 |
| Cost of funding earning assets | 1.9509% | 879 |
| Net interest margin | 2.7494% | 7,183 |
| Noninterest income to average assets | 0.2310% | 6,243 |
| Noninterest expense to average assets | 3.1419% | 3,140 |
| Loan and lease loss provision to assets | 1.7095% | 742 |
| Net operating income to assets | -2.3990% | 7,327 |
| Return on assets (ROA) | -2.0275% | 7,264 |
| Pretax return on assets | -2.0275% | 7,206 |
| Return on Equity (ROE) | -68.8334% | 7,634 |
| Retained earnings to average equity (ytd only) | -68.8334% | 7,633 |
| Net charge-offs to loans | 6.0545% | 96 |
| Credit loss provision to net charge-offs | 46.3808% | 5,937 |
| Earnings coverage of net charge-offs (x) | -0.1871% | 6,170 |
| Efficiency ratio | 127.5115% | 319 |
| Assets per employee ($millions) | 4.3991% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4311% | 1,430 |
| Loan loss allowance to noncurrent loans | 9.6439% | 7,188 |
| Noncurrent assets plus other real estate owned to assets | 25.2797% | 21 |
| Noncurrent loans to loans | 25.2084% | 29 |
| Net loans and leases to total assets | 58.9666% | 5,111 |
| Net loans and leases to deposits | 69.8466% | 5,174 |
| Net loans and leases to core deposits | 72.0645% | 5,502 |
| Total domestic deposits to total assets | 84.4231% | 3,909 |
| Equity capital to assets | 2.3548% | 7,715 |
| Core capital (leverage) ratio | 2.2816% | 7,707 |
| Tier 1 risk-based capital ratio | 3.1971% | 7,704 |
| Total risk-based capital ratio | 4.4565% | 7,704 |
| Memoranda: | ||
| Average total assets | $424,281,500 | 1,593 |
| Average earning assets | $342,804,250 | 1,772 |
| Average equity | $12,497,500 | 4,550 |
| Average total loans | $258,293,000 | 1,737 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8452% | 5,623 |
| Cost of funding earning assets | 2.0482% | 775 |
| Net interest margin | 2.7970% | 7,147 |
| Noninterest income to average assets | 0.3011% | 5,746 |
| Noninterest expense to average assets | 3.0286% | 3,602 |
| Loan and lease loss provision to assets | 2.1631% | 556 |
| Net operating income to assets | -2.6237% | 7,441 |
| Return on assets (ROA) | -2.3143% | 7,391 |
| Pretax return on assets | -2.3143% | 7,322 |
| Return on Equity (ROE) | -74.0502% | 7,692 |
| Retained earnings to average equity (ytd only) | -74.0502% | 7,690 |
| Net charge-offs to loans | 6.0635% | 131 |
| Credit loss provision to net charge-offs | 58.4694% | 5,244 |
| Earnings coverage of net charge-offs (x) | -0.1245% | 5,823 |
| Efficiency ratio | 117.3819% | 447 |
| Assets per employee ($millions) | 4.5970% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4807% | 551 |
| Loan loss allowance to noncurrent loans | 15.4695% | 7,130 |
| Noncurrent assets plus other real estate owned to assets | 23.7830% | 27 |
| Noncurrent loans to loans | 22.5004% | 49 |
| Net loans and leases to total assets | 59.4671% | 5,163 |
| Net loans and leases to deposits | 70.6384% | 5,190 |
| Net loans and leases to core deposits | 74.7899% | 5,352 |
| Total domestic deposits to total assets | 84.1852% | 4,020 |
| Equity capital to assets | 2.7514% | 7,765 |
| Core capital (leverage) ratio | 2.5230% | 7,760 |
| Tier 1 risk-based capital ratio | 3.5591% | 7,757 |
| Total risk-based capital ratio | 4.8297% | 7,759 |
| Memoranda: | ||
| Average total assets | $433,735,670 | 1,572 |
| Average earning assets | $351,522,670 | 1,740 |
| Average equity | $13,555,670 | 4,301 |
| Average total loans | $264,631,670 | 1,720 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8497% | 5,689 |
| Cost of funding earning assets | 2.1851% | 617 |
| Net interest margin | 2.6646% | 7,331 |
| Noninterest income to average assets | 0.4098% | 4,819 |
| Noninterest expense to average assets | 2.9128% | 4,005 |
| Loan and lease loss provision to assets | 2.1523% | 507 |
| Net operating income to assets | -2.4823% | 7,555 |
| Return on assets (ROA) | -2.2088% | 7,512 |
| Pretax return on assets | -2.2088% | 7,461 |
| Return on Equity (ROE) | -66.9976% | 7,759 |
| Retained earnings to average equity (ytd only) | -66.9976% | 7,752 |
| Net charge-offs to loans | 9.7789% | 58 |
| Credit loss provision to net charge-offs | 36.2374% | 4,712 |
| Earnings coverage of net charge-offs (x) | -0.0556% | 5,068 |
| Efficiency ratio | 112.2222% | 554 |
| Assets per employee ($millions) | 4.5436% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9767% | 841 |
| Loan loss allowance to noncurrent loans | 12.7811% | 7,269 |
| Noncurrent assets plus other real estate owned to assets | 22.6069% | 40 |
| Noncurrent loans to loans | 23.2898% | 47 |
| Net loans and leases to total assets | 58.9059% | 5,297 |
| Net loans and leases to deposits | 69.5010% | 5,410 |
| Net loans and leases to core deposits | 74.8301% | 5,407 |
| Total domestic deposits to total assets | 84.7555% | 3,776 |
| Equity capital to assets | 3.1759% | 7,839 |
| Core capital (leverage) ratio | 2.9982% | 7,839 |
| Tier 1 risk-based capital ratio | 4.2275% | 7,833 |
| Total risk-based capital ratio | 5.4930% | 7,835 |
| Memoranda: | ||
| Average total assets | $446,035,000 | 1,569 |
| Average earning assets | $363,733,000 | 1,728 |
| Average equity | $14,705,000 | 4,078 |
| Average total loans | $270,909,500 | 1,737 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0511% | 6,257 |
| Cost of funding earning assets | 2.9149% | 296 |
| Net interest margin | 2.1362% | 7,683 |
| Noninterest income to average assets | -0.2564% | 7,885 |
| Noninterest expense to average assets | 3.3562% | 2,817 |
| Loan and lease loss provision to assets | 2.7356% | 681 |
| Net operating income to assets | -5.4359% | 7,794 |
| Return on assets (ROA) | -5.3317% | 7,777 |
| Pretax return on assets | -4.4964% | 7,642 |
| Return on Equity (ROE) | -82.2673% | 7,876 |
| Retained earnings to average equity (ytd only) | -82.2673% | 7,873 |
| Net charge-offs to loans | 4.4349% | 334 |
| Credit loss provision to net charge-offs | 99.5420% | 5,600 |
| Earnings coverage of net charge-offs (x) | -0.6786% | 6,794 |
| Efficiency ratio | 224.2173% | 109 |
| Assets per employee ($millions) | 4.1824% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3705% | 274 |
| Loan loss allowance to noncurrent loans | 16.8579% | 7,191 |
| Noncurrent assets plus other real estate owned to assets | 24.0512% | 27 |
| Noncurrent loans to loans | 25.9254% | 31 |
| Net loans and leases to total assets | 58.1049% | 5,651 |
| Net loans and leases to deposits | 67.6529% | 5,872 |
| Net loans and leases to core deposits | 92.2213% | 4,860 |
| Total domestic deposits to total assets | 85.8867% | 3,066 |
| Equity capital to assets | 3.4125% | 7,895 |
| Core capital (leverage) ratio | 3.0817% | 7,903 |
| Tier 1 risk-based capital ratio | 4.4142% | 7,894 |
| Total risk-based capital ratio | 5.6939% | 7,897 |
| Memoranda: | ||
| Average total assets | $492,615,600 | 1,408 |
| Average earning assets | $402,999,600 | 1,574 |
| Average equity | $31,926,400 | 2,100 |
| Average total loans | $305,262,400 | 1,571 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2270% | 5,772 |
| Cost of funding earning assets | 3.0379% | 293 |
| Net interest margin | 2.1891% | 7,717 |
| Noninterest income to average assets | 0.2208% | 6,649 |
| Noninterest expense to average assets | 3.3752% | 2,650 |
| Loan and lease loss provision to assets | 2.7846% | 559 |
| Net operating income to assets | -2.4788% | 7,465 |
| Return on assets (ROA) | -2.4160% | 7,441 |
| Pretax return on assets | -4.0475% | 7,695 |
| Return on Equity (ROE) | -33.6594% | 7,677 |
| Retained earnings to average equity (ytd only) | -33.6594% | 7,670 |
| Net charge-offs to loans | 5.2379% | 197 |
| Credit loss provision to net charge-offs | 85.4116% | 5,613 |
| Earnings coverage of net charge-offs (x) | -0.4174% | 6,438 |
| Efficiency ratio | 166.9437% | 249 |
| Assets per employee ($millions) | 4.0725% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5103% | 419 |
| Loan loss allowance to noncurrent loans | 19.0730% | 7,136 |
| Noncurrent assets plus other real estate owned to assets | 18.6272% | 61 |
| Noncurrent loans to loans | 18.4044% | 83 |
| Net loans and leases to total assets | 58.3723% | 5,836 |
| Net loans and leases to deposits | 70.4557% | 5,854 |
| Net loans and leases to core deposits | 100.0119% | 4,369 |
| Total domestic deposits to total assets | 82.8497% | 4,302 |
| Equity capital to assets | 6.7753% | 7,682 |
| Core capital (leverage) ratio | 4.7348% | 7,943 |
| Tier 1 risk-based capital ratio | 6.6684% | 7,924 |
| Total risk-based capital ratio | 7.9412% | 7,927 |
| Memoranda: | ||
| Average total assets | $501,799,250 | 1,389 |
| Average earning assets | $411,113,000 | 1,554 |
| Average equity | $36,018,750 | 1,889 |
| Average total loans | $312,329,250 | 1,555 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2862% | 5,717 |
| Cost of funding earning assets | 3.0680% | 389 |
| Net interest margin | 2.2182% | 7,740 |
| Noninterest income to average assets | 0.3868% | 5,404 |
| Noninterest expense to average assets | 3.2847% | 3,028 |
| Loan and lease loss provision to assets | 1.2170% | 1,414 |
| Net operating income to assets | -1.3474% | 7,185 |
| Return on assets (ROA) | -1.2680% | 7,152 |
| Pretax return on assets | -2.1685% | 7,335 |
| Return on Equity (ROE) | -17.3516% | 7,435 |
| Retained earnings to average equity (ytd only) | -17.3516% | 7,367 |
| Net charge-offs to loans | 4.8639% | 255 |
| Credit loss provision to net charge-offs | 39.8396% | 5,906 |
| Earnings coverage of net charge-offs (x) | -0.3521% | 5,994 |
| Efficiency ratio | 148.1309% | 382 |
| Assets per employee ($millions) | 3.7931% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4378% | 953 |
| Loan loss allowance to noncurrent loans | 14.7647% | 7,369 |
| Noncurrent assets plus other real estate owned to assets | 16.6219% | 81 |
| Noncurrent loans to loans | 16.5113% | 104 |
| Net loans and leases to total assets | 58.3157% | 5,921 |
| Net loans and leases to deposits | 71.5100% | 5,808 |
| Net loans and leases to core deposits | 97.9912% | 4,699 |
| Total domestic deposits to total assets | 81.5490% | 4,878 |
| Equity capital to assets | 6.9557% | 7,634 |
| Core capital (leverage) ratio | 6.1286% | 7,894 |
| Tier 1 risk-based capital ratio | 8.2801% | 7,885 |
| Total risk-based capital ratio | 9.5393% | 7,908 |
| Memoranda: | ||
| Average total assets | $506,164,330 | 1,404 |
| Average earning assets | $415,837,000 | 1,560 |
| Average equity | $36,988,000 | 1,847 |
| Average total loans | $317,890,330 | 1,564 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4615% | 5,114 |
| Cost of funding earning assets | 3.0954% | 466 |
| Net interest margin | 2.3661% | 7,656 |
| Noninterest income to average assets | 0.4540% | 4,730 |
| Noninterest expense to average assets | 3.3336% | 2,555 |
| Loan and lease loss provision to assets | 1.4203% | 895 |
| Net operating income to assets | -1.3525% | 7,441 |
| Return on assets (ROA) | -1.3229% | 7,440 |
| Pretax return on assets | -2.2916% | 7,612 |
| Return on Equity (ROE) | -17.6660% | 7,701 |
| Retained earnings to average equity (ytd only) | -17.6660% | 7,571 |
| Net charge-offs to loans | 3.3781% | 367 |
| Credit loss provision to net charge-offs | 65.3211% | 4,429 |
| Earnings coverage of net charge-offs (x) | -0.4220% | 5,224 |
| Efficiency ratio | 137.4505% | 433 |
| Assets per employee ($millions) | 3.5219% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4795% | 327 |
| Loan loss allowance to noncurrent loans | 21.4901% | 7,088 |
| Noncurrent assets plus other real estate owned to assets | 16.5531% | 57 |
| Noncurrent loans to loans | 16.1910% | 78 |
| Net loans and leases to total assets | 60.9635% | 5,504 |
| Net loans and leases to deposits | 74.3682% | 5,440 |
| Net loans and leases to core deposits | 101.1321% | 4,426 |
| Total domestic deposits to total assets | 81.9751% | 4,556 |
| Equity capital to assets | 7.2827% | 7,508 |
| Core capital (leverage) ratio | 6.6026% | 7,836 |
| Tier 1 risk-based capital ratio | 8.6735% | 7,913 |
| Total risk-based capital ratio | 9.9442% | 7,965 |
| Memoranda: | ||
| Average total assets | $501,315,000 | 1,415 |
| Average earning assets | $415,709,000 | 1,563 |
| Average equity | $37,541,000 | 1,817 |
| Average total loans | $322,662,500 | 1,555 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0369% | 5,382 |
| Cost of funding earning assets | 3.3066% | 906 |
| Net interest margin | 2.7303% | 7,443 |
| Noninterest income to average assets | 0.4902% | 4,686 |
| Noninterest expense to average assets | 3.8996% | 1,563 |
| Loan and lease loss provision to assets | 3.1731% | 279 |
| Net operating income to assets | -2.7947% | 7,776 |
| Return on assets (ROA) | -2.7473% | 7,741 |
| Pretax return on assets | -4.1739% | 7,920 |
| Return on Equity (ROE) | -30.0355% | 7,962 |
| Retained earnings to average equity (ytd only) | -34.5827% | 7,979 |
| Net charge-offs to loans | 1.7683% | 621 |
| Credit loss provision to net charge-offs | 267.4624% | 1,725 |
| Earnings coverage of net charge-offs (x) | -0.9042% | 6,579 |
| Efficiency ratio | 112.6392% | 659 |
| Assets per employee ($millions) | 3.3466% | 5,099 |
| Cash dividends to net income (ytd only)* | -15.1395% | 7,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7698% | 223 |
| Loan loss allowance to noncurrent loans | 22.4909% | 7,121 |
| Noncurrent assets plus other real estate owned to assets | 16.5543% | 49 |
| Noncurrent loans to loans | 16.7615% | 57 |
| Net loans and leases to total assets | 63.1377% | 5,430 |
| Net loans and leases to deposits | 78.7863% | 5,229 |
| Net loans and leases to core deposits | 106.3836% | 4,152 |
| Total domestic deposits to total assets | 80.1379% | 4,968 |
| Equity capital to assets | 7.7022% | 7,202 |
| Core capital (leverage) ratio | 7.1422% | 7,578 |
| Tier 1 risk-based capital ratio | 9.3352% | 7,482 |
| Total risk-based capital ratio | 10.6077% | 7,383 |
| Memoranda: | ||
| Average total assets | $504,897,800 | 1,339 |
| Average earning assets | $432,107,400 | 1,448 |
| Average equity | $46,182,000 | 1,474 |
| Average total loans | $338,752,000 | 1,433 |