Home > Hancock Bank of Alabama > Performance and Condition Ratios
Hancock Bank of Alabama, 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 | 5.1436% | 2,460 |
| Cost of funding earning assets | 0.8028% | 5,564 |
| Net interest margin | 4.3407% | 1,445 |
| Noninterest income to average assets | 0.8772% | 1,742 |
| Noninterest expense to average assets | 3.4826% | 2,052 |
| Loan and lease loss provision to assets | 1.3850% | 480 |
| Net operating income to assets | 0.0120% | 6,324 |
| Return on assets (ROA) | 0.0120% | 6,359 |
| Pretax return on assets | -0.0943% | 6,442 |
| Return on Equity (ROE) | 0.0766% | 6,367 |
| Retained earnings to average equity (ytd only) | 0.0766% | 5,762 |
| Net charge-offs to loans | 0.8525% | 1,545 |
| Credit loss provision to net charge-offs | 185.9838% | 1,580 |
| Earnings coverage of net charge-offs (x) | 1.7332% | 3,442 |
| Efficiency ratio | 72.9605% | 3,693 |
| Assets per employee ($millions) | 4.6293% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9050% | 999 |
| Loan loss allowance to noncurrent loans | 287.4719% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 1.4237% | 4,144 |
| Noncurrent loans to loans | 1.0105% | 5,036 |
| Net loans and leases to total assets | 85.9173% | 133 |
| Net loans and leases to deposits | 103.0631% | 344 |
| Net loans and leases to core deposits | 114.3167% | 594 |
| Total domestic deposits to total assets | 83.3638% | 4,765 |
| Equity capital to assets | 15.7385% | 616 |
| Core capital (leverage) ratio | 16.0580% | 488 |
| Tier 1 risk-based capital ratio | 15.7669% | 3,016 |
| Total risk-based capital ratio | 17.0335% | 2,966 |
| Memoranda: | ||
| Average total assets | $199,278,000 | 3,120 |
| Average earning assets | $178,864,000 | 3,167 |
| Average equity | $31,331,500 | 2,093 |
| Average total loans | $174,082,500 | 2,372 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3138% | 3,063 |
| Cost of funding earning assets | 1.2170% | 4,440 |
| Net interest margin | 4.0968% | 2,577 |
| Noninterest income to average assets | 0.9218% | 1,771 |
| Noninterest expense to average assets | 3.3498% | 2,583 |
| Loan and lease loss provision to assets | 1.4947% | 992 |
| Net operating income to assets | -0.1368% | 6,034 |
| Return on assets (ROA) | -0.1368% | 6,089 |
| Pretax return on assets | -0.2799% | 6,147 |
| Return on Equity (ROE) | -1.1404% | 6,075 |
| Retained earnings to average equity (ytd only) | -1.1404% | 5,825 |
| Net charge-offs to loans | 1.1627% | 1,923 |
| Credit loss provision to net charge-offs | 151.5890% | 2,376 |
| Earnings coverage of net charge-offs (x) | 1.2320% | 4,872 |
| Efficiency ratio | 73.3867% | 3,508 |
| Assets per employee ($millions) | 4.3369% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7892% | 1,071 |
| Loan loss allowance to noncurrent loans | 148.4530% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 2.3429% | 2,925 |
| Noncurrent loans to loans | 1.8788% | 3,714 |
| Net loans and leases to total assets | 83.8227% | 316 |
| Net loans and leases to deposits | 100.4282% | 551 |
| Net loans and leases to core deposits | 111.8272% | 824 |
| Total domestic deposits to total assets | 83.4653% | 4,622 |
| Equity capital to assets | 15.7066% | 643 |
| Core capital (leverage) ratio | 16.3759% | 463 |
| Tier 1 risk-based capital ratio | 16.1235% | 2,687 |
| Total risk-based capital ratio | 17.3889% | 2,642 |
| Memoranda: | ||
| Average total assets | $191,473,000 | 3,206 |
| Average earning assets | $170,256,400 | 3,277 |
| Average equity | $22,973,600 | 2,766 |
| Average total loans | $162,382,200 | 2,586 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3106% | 3,297 |
| Cost of funding earning assets | 1.3189% | 4,119 |
| Net interest margin | 3.9917% | 3,144 |
| Noninterest income to average assets | 1.0654% | 1,262 |
| Noninterest expense to average assets | 3.3891% | 2,330 |
| Loan and lease loss provision to assets | 2.6537% | 375 |
| Net operating income to assets | -0.8881% | 6,834 |
| Return on assets (ROA) | -0.8881% | 6,877 |
| Pretax return on assets | -1.4377% | 7,029 |
| Return on Equity (ROE) | -8.0572% | 6,840 |
| Retained earnings to average equity (ytd only) | -8.0572% | 6,776 |
| Net charge-offs to loans | 1.2435% | 1,638 |
| Credit loss provision to net charge-offs | 252.7480% | 1,315 |
| Earnings coverage of net charge-offs (x) | 1.1582% | 4,906 |
| Efficiency ratio | 73.5941% | 3,399 |
| Assets per employee ($millions) | 4.2122% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7018% | 469 |
| Loan loss allowance to noncurrent loans | 145.9350% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 3.1142% | 2,320 |
| Noncurrent loans to loans | 2.5366% | 3,085 |
| Net loans and leases to total assets | 83.7574% | 344 |
| Net loans and leases to deposits | 97.9795% | 794 |
| Net loans and leases to core deposits | 108.8611% | 1,104 |
| Total domestic deposits to total assets | 85.4846% | 3,355 |
| Equity capital to assets | 10.7396% | 3,240 |
| Core capital (leverage) ratio | 10.7843% | 2,427 |
| Tier 1 risk-based capital ratio | 10.9332% | 6,437 |
| Total risk-based capital ratio | 12.2086% | 6,400 |
| Memoranda: | ||
| Average total assets | $189,467,250 | 3,282 |
| Average earning assets | $168,011,000 | 3,362 |
| Average equity | $20,883,500 | 3,063 |
| Average total loans | $159,972,500 | 2,659 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2264% | 3,820 |
| Cost of funding earning assets | 1.4068% | 3,833 |
| Net interest margin | 3.8196% | 3,811 |
| Noninterest income to average assets | 1.0874% | 1,130 |
| Noninterest expense to average assets | 3.3414% | 2,426 |
| Loan and lease loss provision to assets | 3.5705% | 243 |
| Net operating income to assets | -1.5361% | 7,162 |
| Return on assets (ROA) | -1.5361% | 7,172 |
| Pretax return on assets | -2.4335% | 7,350 |
| Return on Equity (ROE) | -13.8183% | 7,103 |
| Retained earnings to average equity (ytd only) | -13.8183% | 7,064 |
| Net charge-offs to loans | 1.8062% | 1,033 |
| Credit loss provision to net charge-offs | 236.5035% | 1,629 |
| Earnings coverage of net charge-offs (x) | 0.7531% | 4,998 |
| Efficiency ratio | 74.6110% | 3,347 |
| Assets per employee ($millions) | 4.2711% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5761% | 518 |
| Loan loss allowance to noncurrent loans | 156.4464% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 2.8164% | 2,565 |
| Noncurrent loans to loans | 2.2858% | 3,389 |
| Net loans and leases to total assets | 81.0316% | 668 |
| Net loans and leases to deposits | 94.1079% | 1,259 |
| Net loans and leases to core deposits | 103.8827% | 1,653 |
| Total domestic deposits to total assets | 86.1050% | 3,025 |
| Equity capital to assets | 10.5292% | 3,375 |
| Core capital (leverage) ratio | 10.6044% | 2,538 |
| Tier 1 risk-based capital ratio | 10.9820% | 6,250 |
| Total risk-based capital ratio | 12.2556% | 6,219 |
| Memoranda: | ||
| Average total assets | $189,439,330 | 3,313 |
| Average earning assets | $168,185,330 | 3,371 |
| Average equity | $21,059,000 | 3,032 |
| Average total loans | $158,341,330 | 2,716 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1354% | 4,368 |
| Cost of funding earning assets | 1.4167% | 4,076 |
| Net interest margin | 3.7187% | 4,154 |
| Noninterest income to average assets | 0.9550% | 1,435 |
| Noninterest expense to average assets | 3.3691% | 2,315 |
| Loan and lease loss provision to assets | 1.9292% | 578 |
| Net operating income to assets | -0.6296% | 6,921 |
| Return on assets (ROA) | -0.6296% | 6,948 |
| Pretax return on assets | -1.0380% | 7,065 |
| Return on Equity (ROE) | -5.5147% | 6,911 |
| Retained earnings to average equity (ytd only) | -5.5147% | 6,625 |
| Net charge-offs to loans | 1.3550% | 1,270 |
| Credit loss provision to net charge-offs | 170.8098% | 2,127 |
| Earnings coverage of net charge-offs (x) | 0.7891% | 4,333 |
| Efficiency ratio | 79.0814% | 2,708 |
| Assets per employee ($millions) | 4.6034% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6649% | 1,110 |
| Loan loss allowance to noncurrent loans | 150.2146% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 2.3363% | 3,110 |
| Noncurrent loans to loans | 1.7741% | 4,090 |
| Net loans and leases to total assets | 79.3420% | 934 |
| Net loans and leases to deposits | 90.3976% | 1,847 |
| Net loans and leases to core deposits | 99.8438% | 2,149 |
| Total domestic deposits to total assets | 87.7700% | 2,200 |
| Equity capital to assets | 11.0337% | 2,730 |
| Core capital (leverage) ratio | 11.4983% | 1,911 |
| Tier 1 risk-based capital ratio | 11.8461% | 5,347 |
| Total risk-based capital ratio | 13.1101% | 5,282 |
| Memoranda: | ||
| Average total assets | $188,059,500 | 3,391 |
| Average earning assets | $167,154,500 | 3,441 |
| Average equity | $21,470,000 | 3,006 |
| Average total loans | $156,753,000 | 2,800 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4269% | 4,555 |
| Cost of funding earning assets | 1.8000% | 3,994 |
| Net interest margin | 3.6269% | 4,449 |
| Noninterest income to average assets | 1.0344% | 1,457 |
| Noninterest expense to average assets | 3.2051% | 3,365 |
| Loan and lease loss provision to assets | 4.1490% | 303 |
| Net operating income to assets | -1.9731% | 7,079 |
| Return on assets (ROA) | -1.9731% | 7,083 |
| Pretax return on assets | -3.1089% | 7,322 |
| Return on Equity (ROE) | -20.6993% | 7,162 |
| Retained earnings to average equity (ytd only) | -20.6993% | 7,131 |
| Net charge-offs to loans | 3.2084% | 639 |
| Credit loss provision to net charge-offs | 150.4518% | 3,083 |
| Earnings coverage of net charge-offs (x) | 0.3772% | 5,737 |
| Efficiency ratio | 75.4982% | 3,617 |
| Assets per employee ($millions) | 4.3518% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4528% | 1,285 |
| Loan loss allowance to noncurrent loans | 116.4788% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 2.7465% | 2,544 |
| Noncurrent loans to loans | 2.1058% | 3,509 |
| Net loans and leases to total assets | 83.2056% | 521 |
| Net loans and leases to deposits | 95.4599% | 1,398 |
| Net loans and leases to core deposits | 140.0953% | 813 |
| Total domestic deposits to total assets | 87.1629% | 2,408 |
| Equity capital to assets | 11.8216% | 2,126 |
| Core capital (leverage) ratio | 12.2870% | 1,534 |
| Tier 1 risk-based capital ratio | 12.0667% | 4,885 |
| Total risk-based capital ratio | 13.3279% | 4,843 |
| Memoranda: | ||
| Average total assets | $172,570,800 | 3,563 |
| Average earning assets | $152,776,800 | 3,658 |
| Average equity | $16,449,800 | 3,790 |
| Average total loans | $148,331,200 | 2,948 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4758% | 4,543 |
| Cost of funding earning assets | 1.8855% | 3,952 |
| Net interest margin | 3.5903% | 4,511 |
| Noninterest income to average assets | 0.9497% | 1,782 |
| Noninterest expense to average assets | 3.3164% | 2,848 |
| Loan and lease loss provision to assets | 4.5374% | 215 |
| Net operating income to assets | -2.3824% | 7,440 |
| Return on assets (ROA) | -2.3824% | 7,432 |
| Pretax return on assets | -3.7265% | 7,646 |
| Return on Equity (ROE) | -26.7179% | 7,542 |
| Retained earnings to average equity (ytd only) | -26.7179% | 7,526 |
| Net charge-offs to loans | 3.3451% | 465 |
| Credit loss provision to net charge-offs | 157.4850% | 3,028 |
| Earnings coverage of net charge-offs (x) | 0.2814% | 5,729 |
| Efficiency ratio | 80.3534% | 2,790 |
| Assets per employee ($millions) | 4.4148% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3673% | 1,209 |
| Loan loss allowance to noncurrent loans | 149.5980% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 1.5147% | 4,101 |
| Noncurrent loans to loans | 1.5825% | 4,264 |
| Net loans and leases to total assets | 84.6740% | 467 |
| Net loans and leases to deposits | 98.0259% | 1,326 |
| Net loans and leases to core deposits | 146.8606% | 662 |
| Total domestic deposits to total assets | 86.3792% | 2,489 |
| Equity capital to assets | 9.8056% | 4,343 |
| Core capital (leverage) ratio | 9.4041% | 4,041 |
| Tier 1 risk-based capital ratio | 10.0593% | 6,918 |
| Total risk-based capital ratio | 11.3204% | 6,857 |
| Memoranda: | ||
| Average total assets | $170,019,750 | 3,625 |
| Average earning assets | $150,477,250 | 3,715 |
| Average equity | $15,160,500 | 4,068 |
| Average total loans | $146,438,250 | 3,007 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3419% | 5,440 |
| Cost of funding earning assets | 1.9660% | 3,937 |
| Net interest margin | 3.3760% | 5,267 |
| Noninterest income to average assets | 0.7312% | 2,809 |
| Noninterest expense to average assets | 3.5180% | 2,284 |
| Loan and lease loss provision to assets | 4.5505% | 248 |
| Net operating income to assets | -2.7903% | 7,628 |
| Return on assets (ROA) | -2.7903% | 7,622 |
| Pretax return on assets | -4.3532% | 7,788 |
| Return on Equity (ROE) | -32.3865% | 7,749 |
| Retained earnings to average equity (ytd only) | -32.3865% | 7,723 |
| Net charge-offs to loans | 2.7620% | 605 |
| Credit loss provision to net charge-offs | 191.7372% | 2,382 |
| Earnings coverage of net charge-offs (x) | 0.0831% | 5,595 |
| Efficiency ratio | 94.6900% | 1,462 |
| Assets per employee ($millions) | 4.2345% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0883% | 1,417 |
| Loan loss allowance to noncurrent loans | 270.8126% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.9754% | 5,027 |
| Noncurrent loans to loans | 0.7711% | 5,690 |
| Net loans and leases to total assets | 84.0980% | 621 |
| Net loans and leases to deposits | 121.7009% | 208 |
| Net loans and leases to core deposits | 193.7238% | 146 |
| Total domestic deposits to total assets | 69.1022% | 7,547 |
| Equity capital to assets | 8.2434% | 6,426 |
| Core capital (leverage) ratio | 8.6886% | 5,108 |
| Tier 1 risk-based capital ratio | 8.8544% | 7,770 |
| Total risk-based capital ratio | 10.1129% | 7,802 |
| Memoranda: | ||
| Average total assets | $169,300,330 | 3,661 |
| Average earning assets | $149,646,330 | 3,752 |
| Average equity | $14,586,330 | 4,185 |
| Average total loans | $145,476,000 | 3,059 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3083% | 5,862 |
| Cost of funding earning assets | 2.2389% | 2,967 |
| Net interest margin | 3.0694% | 6,284 |
| Noninterest income to average assets | 0.5549% | 3,878 |
| Noninterest expense to average assets | 3.9310% | 1,269 |
| Loan and lease loss provision to assets | 6.8578% | 98 |
| Net operating income to assets | -4.7290% | 8,024 |
| Return on assets (ROA) | -4.7290% | 8,014 |
| Pretax return on assets | -7.5208% | 8,095 |
| Return on Equity (ROE) | -53.5949% | 8,062 |
| Retained earnings to average equity (ytd only) | -53.5949% | 8,043 |
| Net charge-offs to loans | 0.2428% | 3,187 |
| Credit loss provision to net charge-offs | 3,285.8824% | 205 |
| Earnings coverage of net charge-offs (x) | -3.1765% | 5,519 |
| Efficiency ratio | 120.2855% | 623 |
| Assets per employee ($millions) | 4.2006% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8677% | 548 |
| Loan loss allowance to noncurrent loans | 391.5640% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.6279% | 5,608 |
| Noncurrent loans to loans | 0.7324% | 5,598 |
| Net loans and leases to total assets | 83.2754% | 816 |
| Net loans and leases to deposits | 112.9762% | 477 |
| Net loans and leases to core deposits | 168.5024% | 370 |
| Total domestic deposits to total assets | 73.7106% | 6,932 |
| Equity capital to assets | 8.6036% | 5,912 |
| Core capital (leverage) ratio | 8.8758% | 4,886 |
| Tier 1 risk-based capital ratio | 9.1832% | 7,683 |
| Total risk-based capital ratio | 10.4508% | 7,661 |
| Memoranda: | ||
| Average total assets | $162,908,500 | 3,776 |
| Average earning assets | $144,002,000 | 3,876 |
| Average equity | $14,374,500 | 4,250 |
| Average total loans | $140,016,500 | 3,167 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7587% | 6,564 |
| Cost of funding earning assets | 2.8386% | 2,534 |
| Net interest margin | 2.9201% | 7,109 |
| Noninterest income to average assets | 0.6805% | 3,243 |
| Noninterest expense to average assets | 4.8578% | 683 |
| Loan and lease loss provision to assets | 1.3504% | 1,045 |
| Net operating income to assets | -1.8991% | 7,586 |
| Return on assets (ROA) | -1.8991% | 7,541 |
| Pretax return on assets | -3.0265% | 7,711 |
| Return on Equity (ROE) | -17.3390% | 7,677 |
| Retained earnings to average equity (ytd only) | -17.3390% | 7,584 |
| Net charge-offs to loans | 0.3851% | 2,897 |
| Credit loss provision to net charge-offs | 419.5783% | 1,038 |
| Earnings coverage of net charge-offs (x) | -5.2078% | 6,838 |
| Efficiency ratio | 152.6813% | 336 |
| Assets per employee ($millions) | 3.6697% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 5,655 |
| Loan loss allowance to noncurrent loans | 15,811.1111% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 7,627 |
| Noncurrent loans to loans | 0.0066% | 7,528 |
| Net loans and leases to total assets | 85.2739% | 691 |
| Net loans and leases to deposits | 112.2402% | 692 |
| Net loans and leases to core deposits | 176.0723% | 330 |
| Total domestic deposits to total assets | 75.9745% | 6,245 |
| Equity capital to assets | 9.0580% | 5,290 |
| Core capital (leverage) ratio | 10.1070% | 3,352 |
| Tier 1 risk-based capital ratio | 9.5003% | 7,308 |
| Total risk-based capital ratio | 10.4490% | 7,570 |
| Memoranda: | ||
| Average total assets | $103,154,200 | 4,956 |
| Average earning assets | $88,352,600 | 5,134 |
| Average equity | $11,298,200 | 5,041 |
| Average total loans | $86,211,200 | 4,326 |