Home > Heritage Banking Group > Performance and Condition Ratios
Heritage Banking Group, 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 | 5.2631% | 1,998 |
| Cost of funding earning assets | 1.8717% | 286 |
| Net interest margin | 3.3915% | 5,460 |
| Noninterest income to average assets | -0.6190% | 7,511 |
| Noninterest expense to average assets | 3.8168% | 1,308 |
| Loan and lease loss provision to assets | 7.1949% | 32 |
| Net operating income to assets | -8.7496% | 7,545 |
| Return on assets (ROA) | -8.7496% | 7,545 |
| Pretax return on assets | -8.7496% | 7,542 |
| Return on Equity (ROE) | -4,050.7677% | 7,573 |
| Retained earnings to average equity (ytd only) | -4,050.7677% | 7,573 |
| Net charge-offs to loans | 3.2121% | 328 |
| Credit loss provision to net charge-offs | 324.9201% | 1,007 |
| Earnings coverage of net charge-offs (x) | -0.7021% | 4,849 |
| Efficiency ratio | 168.7256% | 97 |
| Assets per employee ($millions) | 3.5127% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6920% | 72 |
| Loan loss allowance to noncurrent loans | 65.9840% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 12.0274% | 270 |
| Noncurrent loans to loans | 10.1419% | 394 |
| Net loans and leases to total assets | 61.9762% | 3,856 |
| Net loans and leases to deposits | 69.0170% | 4,525 |
| Net loans and leases to core deposits | 75.2255% | 4,393 |
| Total domestic deposits to total assets | 89.7984% | 1,284 |
| Equity capital to assets | -0.7388% | 7,572 |
| Core capital (leverage) ratio | -0.7684% | 7,571 |
| Tier 1 risk-based capital ratio | -1.0075% | 7,571 |
| Total risk-based capital ratio | -1.0075% | 7,571 |
| Memoranda: | ||
| Average total assets | $226,160,000 | 2,807 |
| Average earning assets | $192,129,500 | 2,983 |
| Average equity | $488,500 | 7,565 |
| Average total loans | $155,912,000 | 2,617 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6685% | 1,686 |
| Cost of funding earning assets | 2.1963% | 307 |
| Net interest margin | 3.4722% | 5,354 |
| Noninterest income to average assets | 0.5460% | 3,849 |
| Noninterest expense to average assets | 4.7360% | 530 |
| Loan and lease loss provision to assets | 3.4717% | 228 |
| Net operating income to assets | -4.6784% | 7,510 |
| Return on assets (ROA) | -5.1397% | 7,551 |
| Pretax return on assets | -5.1397% | 7,546 |
| Return on Equity (ROE) | -115.5108% | 7,607 |
| Retained earnings to average equity (ytd only) | -115.5108% | 7,607 |
| Net charge-offs to loans | 2.7911% | 632 |
| Credit loss provision to net charge-offs | 166.3269% | 2,056 |
| Earnings coverage of net charge-offs (x) | -0.5781% | 6,490 |
| Efficiency ratio | 134.1922% | 286 |
| Assets per employee ($millions) | 3.3938% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5784% | 260 |
| Loan loss allowance to noncurrent loans | 41.9316% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 12.9232% | 232 |
| Noncurrent loans to loans | 10.9187% | 360 |
| Net loans and leases to total assets | 68.2315% | 2,924 |
| Net loans and leases to deposits | 77.8858% | 3,529 |
| Net loans and leases to core deposits | 85.0012% | 3,463 |
| Total domestic deposits to total assets | 87.6045% | 2,480 |
| Equity capital to assets | 1.1893% | 7,632 |
| Core capital (leverage) ratio | 1.4109% | 7,622 |
| Tier 1 risk-based capital ratio | 1.7234% | 7,627 |
| Total risk-based capital ratio | 2.9402% | 7,629 |
| Memoranda: | ||
| Average total assets | $239,740,000 | 2,641 |
| Average earning assets | $205,979,400 | 2,797 |
| Average equity | $10,667,400 | 4,942 |
| Average total loans | $179,285,600 | 2,366 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7501% | 1,549 |
| Cost of funding earning assets | 2.2632% | 308 |
| Net interest margin | 3.4869% | 5,349 |
| Noninterest income to average assets | 0.4153% | 4,836 |
| Noninterest expense to average assets | 3.2447% | 2,761 |
| Loan and lease loss provision to assets | 3.6151% | 195 |
| Net operating income to assets | -3.4416% | 7,512 |
| Return on assets (ROA) | -3.4799% | 7,527 |
| Pretax return on assets | -3.4799% | 7,493 |
| Return on Equity (ROE) | -66.9373% | 7,628 |
| Retained earnings to average equity (ytd only) | -66.9373% | 7,626 |
| Net charge-offs to loans | 2.3643% | 739 |
| Credit loss provision to net charge-offs | 202.4203% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0971% | 5,927 |
| Efficiency ratio | 94.9256% | 948 |
| Assets per employee ($millions) | 3.3491% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2590% | 297 |
| Loan loss allowance to noncurrent loans | 44.2500% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 11.0884% | 323 |
| Noncurrent loans to loans | 9.6248% | 459 |
| Net loans and leases to total assets | 73.7045% | 1,860 |
| Net loans and leases to deposits | 87.0300% | 2,146 |
| Net loans and leases to core deposits | 94.5786% | 2,441 |
| Total domestic deposits to total assets | 84.6886% | 3,777 |
| Equity capital to assets | 3.8906% | 7,646 |
| Core capital (leverage) ratio | 3.4643% | 7,647 |
| Tier 1 risk-based capital ratio | 4.4258% | 7,670 |
| Total risk-based capital ratio | 5.6738% | 7,672 |
| Memoranda: | ||
| Average total assets | $243,677,000 | 2,650 |
| Average earning assets | $209,845,250 | 2,794 |
| Average equity | $12,668,250 | 4,507 |
| Average total loans | $184,065,500 | 2,341 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7848% | 1,463 |
| Cost of funding earning assets | 2.3621% | 272 |
| Net interest margin | 3.4227% | 5,549 |
| Noninterest income to average assets | 0.5670% | 3,571 |
| Noninterest expense to average assets | 3.0803% | 3,392 |
| Loan and lease loss provision to assets | 1.6849% | 752 |
| Net operating income to assets | -1.2331% | 7,046 |
| Return on assets (ROA) | -1.2779% | 7,075 |
| Pretax return on assets | -1.2779% | 6,999 |
| Return on Equity (ROE) | -22.8596% | 7,336 |
| Retained earnings to average equity (ytd only) | -22.8596% | 7,322 |
| Net charge-offs to loans | 1.4949% | 1,281 |
| Credit loss provision to net charge-offs | 150.0712% | 2,616 |
| Earnings coverage of net charge-offs (x) | 0.4024% | 5,327 |
| Efficiency ratio | 87.2085% | 1,584 |
| Assets per employee ($millions) | 3.5081% | 4,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5713% | 1,223 |
| Loan loss allowance to noncurrent loans | 28.9724% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 10.2074% | 392 |
| Noncurrent loans to loans | 8.8749% | 539 |
| Net loans and leases to total assets | 74.9237% | 1,713 |
| Net loans and leases to deposits | 89.7848% | 1,896 |
| Net loans and leases to core deposits | 99.6004% | 2,062 |
| Total domestic deposits to total assets | 83.4481% | 4,367 |
| Equity capital to assets | 5.6767% | 7,573 |
| Core capital (leverage) ratio | 5.1566% | 7,584 |
| Tier 1 risk-based capital ratio | 6.6106% | 7,628 |
| Total risk-based capital ratio | 7.8112% | 7,634 |
| Memoranda: | ||
| Average total assets | $250,106,670 | 2,601 |
| Average earning assets | $216,672,000 | 2,721 |
| Average equity | $13,981,000 | 4,204 |
| Average total loans | $187,840,330 | 2,334 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8672% | 1,281 |
| Cost of funding earning assets | 2.4194% | 283 |
| Net interest margin | 3.4478% | 5,382 |
| Noninterest income to average assets | 0.5112% | 3,963 |
| Noninterest expense to average assets | 2.9842% | 3,734 |
| Loan and lease loss provision to assets | 2.9701% | 335 |
| Net operating income to assets | -2.4402% | 7,546 |
| Return on assets (ROA) | -2.5058% | 7,559 |
| Pretax return on assets | -2.5058% | 7,512 |
| Return on Equity (ROE) | -45.1533% | 7,686 |
| Retained earnings to average equity (ytd only) | -45.1533% | 7,675 |
| Net charge-offs to loans | 2.1848% | 778 |
| Credit loss provision to net charge-offs | 183.0443% | 1,999 |
| Earnings coverage of net charge-offs (x) | 0.3266% | 4,751 |
| Efficiency ratio | 84.9199% | 1,917 |
| Assets per employee ($millions) | 4.0531% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5935% | 1,189 |
| Loan loss allowance to noncurrent loans | 37.6671% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 7.9492% | 626 |
| Noncurrent loans to loans | 6.8854% | 876 |
| Net loans and leases to total assets | 71.7182% | 2,516 |
| Net loans and leases to deposits | 87.0109% | 2,406 |
| Net loans and leases to core deposits | 100.4035% | 2,086 |
| Total domestic deposits to total assets | 82.4244% | 4,883 |
| Equity capital to assets | 5.2536% | 7,698 |
| Core capital (leverage) ratio | 4.9290% | 7,707 |
| Tier 1 risk-based capital ratio | 6.4461% | 7,732 |
| Total risk-based capital ratio | 7.6893% | 7,732 |
| Memoranda: | ||
| Average total assets | $255,884,000 | 2,597 |
| Average earning assets | $222,868,000 | 2,701 |
| Average equity | $14,200,500 | 4,199 |
| Average total loans | $190,036,000 | 2,373 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1095% | 1,489 |
| Cost of funding earning assets | 2.8368% | 398 |
| Net interest margin | 3.2726% | 5,846 |
| Noninterest income to average assets | 0.6455% | 3,322 |
| Noninterest expense to average assets | 3.1133% | 3,681 |
| Loan and lease loss provision to assets | 1.0659% | 2,150 |
| Net operating income to assets | -0.6786% | 6,338 |
| Return on assets (ROA) | -0.7442% | 6,396 |
| Pretax return on assets | -0.7442% | 6,234 |
| Return on Equity (ROE) | -11.4371% | 6,728 |
| Retained earnings to average equity (ytd only) | -13.5001% | 6,782 |
| Net charge-offs to loans | 0.5422% | 3,621 |
| Credit loss provision to net charge-offs | 248.6188% | 1,428 |
| Earnings coverage of net charge-offs (x) | 0.9033% | 5,209 |
| Efficiency ratio | 88.9365% | 1,806 |
| Assets per employee ($millions) | 3.8852% | 4,062 |
| Cash dividends to net income (ytd only)* | -18.0371% | 7,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0899% | 1,842 |
| Loan loss allowance to noncurrent loans | 32.0453% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 7.6078% | 627 |
| Noncurrent loans to loans | 6.5218% | 916 |
| Net loans and leases to total assets | 73.3371% | 2,416 |
| Net loans and leases to deposits | 91.4694% | 1,971 |
| Net loans and leases to core deposits | 130.9730% | 1,230 |
| Total domestic deposits to total assets | 80.1767% | 5,623 |
| Equity capital to assets | 5.8443% | 7,684 |
| Core capital (leverage) ratio | 5.8489% | 7,660 |
| Tier 1 risk-based capital ratio | 7.4856% | 7,700 |
| Total risk-based capital ratio | 8.7447% | 7,705 |
| Memoranda: | ||
| Average total assets | $253,301,400 | 2,574 |
| Average earning assets | $220,985,400 | 2,692 |
| Average equity | $16,481,400 | 3,780 |
| Average total loans | $200,299,000 | 2,298 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9914% | 2,077 |
| Cost of funding earning assets | 2.9001% | 454 |
| Net interest margin | 3.0914% | 6,336 |
| Noninterest income to average assets | 0.8369% | 2,254 |
| Noninterest expense to average assets | 3.2113% | 3,264 |
| Loan and lease loss provision to assets | 1.3464% | 1,436 |
| Net operating income to assets | -1.0243% | 6,857 |
| Return on assets (ROA) | -0.9863% | 6,830 |
| Pretax return on assets | -0.9863% | 6,676 |
| Return on Equity (ROE) | -14.7764% | 7,178 |
| Retained earnings to average equity (ytd only) | -17.4660% | 7,251 |
| Net charge-offs to loans | 0.6556% | 2,717 |
| Credit loss provision to net charge-offs | 256.2814% | 1,668 |
| Earnings coverage of net charge-offs (x) | 0.6131% | 5,415 |
| Efficiency ratio | 90.8846% | 1,618 |
| Assets per employee ($millions) | 4.0749% | 3,598 |
| Cash dividends to net income (ytd only)* | -18.2012% | 7,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9943% | 1,814 |
| Loan loss allowance to noncurrent loans | 37.5629% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 6.4395% | 786 |
| Noncurrent loans to loans | 5.3092% | 1,200 |
| Net loans and leases to total assets | 74.5264% | 2,370 |
| Net loans and leases to deposits | 97.2009% | 1,416 |
| Net loans and leases to core deposits | 139.4145% | 941 |
| Total domestic deposits to total assets | 76.6726% | 6,431 |
| Equity capital to assets | 5.8042% | 7,890 |
| Core capital (leverage) ratio | 5.9466% | 7,810 |
| Tier 1 risk-based capital ratio | 7.3156% | 7,867 |
| Total risk-based capital ratio | 8.5740% | 7,868 |
| Memoranda: | ||
| Average total assets | $252,521,750 | 2,600 |
| Average earning assets | $220,264,750 | 2,716 |
| Average equity | $16,855,250 | 3,733 |
| Average total loans | $202,357,500 | 2,296 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1690% | 1,560 |
| Cost of funding earning assets | 2.9445% | 548 |
| Net interest margin | 3.2245% | 5,829 |
| Noninterest income to average assets | 0.6854% | 3,083 |
| Noninterest expense to average assets | 3.2575% | 3,125 |
| Loan and lease loss provision to assets | 0.2474% | 4,600 |
| Net operating income to assets | -0.0072% | 5,858 |
| Return on assets (ROA) | 0.0032% | 5,903 |
| Pretax return on assets | 0.0032% | 5,859 |
| Return on Equity (ROE) | 0.0459% | 5,907 |
| Retained earnings to average equity (ytd only) | -2.3640% | 5,830 |
| Net charge-offs to loans | 0.5655% | 2,631 |
| Credit loss provision to net charge-offs | 53.6458% | 5,709 |
| Earnings coverage of net charge-offs (x) | 0.5208% | 5,184 |
| Efficiency ratio | 93.1319% | 1,558 |
| Assets per employee ($millions) | 3.7211% | 4,276 |
| Cash dividends to net income (ytd only)* | 5,250.0000% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 5,848 |
| Loan loss allowance to noncurrent loans | 22.4976% | 6,987 |
| Noncurrent assets plus other real estate owned to assets | 5.8795% | 831 |
| Noncurrent loans to loans | 4.7041% | 1,340 |
| Net loans and leases to total assets | 77.6667% | 1,826 |
| Net loans and leases to deposits | 102.9935% | 990 |
| Net loans and leases to core deposits | 148.7520% | 684 |
| Total domestic deposits to total assets | 75.4093% | 6,680 |
| Equity capital to assets | 6.6526% | 7,767 |
| Core capital (leverage) ratio | 6.8551% | 7,632 |
| Tier 1 risk-based capital ratio | 8.2158% | 7,893 |
| Total risk-based capital ratio | 9.2489% | 7,932 |
| Memoranda: | ||
| Average total assets | $249,763,670 | 2,639 |
| Average earning assets | $217,830,000 | 2,768 |
| Average equity | $17,428,000 | 3,634 |
| Average total loans | $203,704,330 | 2,311 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6249% | 679 |
| Cost of funding earning assets | 2.9742% | 640 |
| Net interest margin | 3.6507% | 4,096 |
| Noninterest income to average assets | 0.6529% | 3,180 |
| Noninterest expense to average assets | 3.1332% | 3,254 |
| Loan and lease loss provision to assets | 0.2436% | 4,029 |
| Net operating income to assets | 0.4580% | 4,624 |
| Return on assets (ROA) | 0.4792% | 4,711 |
| Pretax return on assets | 0.4792% | 5,140 |
| Return on Equity (ROE) | 6.7040% | 3,714 |
| Retained earnings to average equity (ytd only) | 4.8859% | 3,198 |
| Net charge-offs to loans | 1.1075% | 1,229 |
| Credit loss provision to net charge-offs | 26.4550% | 4,992 |
| Earnings coverage of net charge-offs (x) | 0.7619% | 4,419 |
| Efficiency ratio | 81.7027% | 2,579 |
| Assets per employee ($millions) | 3.1159% | 5,851 |
| Cash dividends to net income (ytd only)* | 27.1186% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 6,386 |
| Loan loss allowance to noncurrent loans | 62.6029% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 3.2866% | 1,671 |
| Noncurrent loans to loans | 1.5453% | 3,960 |
| Net loans and leases to total assets | 82.2189% | 982 |
| Net loans and leases to deposits | 110.7733% | 579 |
| Net loans and leases to core deposits | 151.5255% | 656 |
| Total domestic deposits to total assets | 74.2226% | 6,847 |
| Equity capital to assets | 7.1841% | 7,578 |
| Core capital (leverage) ratio | 7.0634% | 7,591 |
| Tier 1 risk-based capital ratio | 8.1662% | 7,992 |
| Total risk-based capital ratio | 9.0945% | 8,048 |
| Memoranda: | ||
| Average total assets | $246,267,500 | 2,693 |
| Average earning assets | $214,645,500 | 2,830 |
| Average equity | $17,601,500 | 3,623 |
| Average total loans | $204,783,000 | 2,321 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9188% | 1,349 |
| Cost of funding earning assets | 3.3590% | 785 |
| Net interest margin | 3.5598% | 5,054 |
| Noninterest income to average assets | 0.7344% | 2,876 |
| Noninterest expense to average assets | 3.6110% | 2,116 |
| Loan and lease loss provision to assets | 0.4562% | 3,008 |
| Net operating income to assets | -0.0232% | 6,403 |
| Return on assets (ROA) | -0.0586% | 6,303 |
| Pretax return on assets | -0.1961% | 6,366 |
| Return on Equity (ROE) | -0.7873% | 6,338 |
| Retained earnings to average equity (ytd only) | -2.6447% | 6,028 |
| Net charge-offs to loans | 0.1866% | 4,333 |
| Credit loss provision to net charge-offs | 301.9126% | 1,489 |
| Earnings coverage of net charge-offs (x) | 2.0874% | 5,032 |
| Efficiency ratio | 91.9672% | 1,381 |
| Assets per employee ($millions) | 3.1587% | 5,597 |
| Cash dividends to net income (ytd only)* | -235.9155% | 8,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 4,779 |
| Loan loss allowance to noncurrent loans | 50.6971% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 3.4158% | 1,307 |
| Noncurrent loans to loans | 2.3070% | 2,399 |
| Net loans and leases to total assets | 82.3132% | 1,171 |
| Net loans and leases to deposits | 112.7792% | 669 |
| Net loans and leases to core deposits | 151.8915% | 788 |
| Total domestic deposits to total assets | 72.9861% | 6,830 |
| Equity capital to assets | 7.1105% | 7,676 |
| Core capital (leverage) ratio | 7.1198% | 7,598 |
| Tier 1 risk-based capital ratio | 7.9355% | 8,092 |
| Total risk-based capital ratio | 9.0451% | 8,137 |
| Memoranda: | ||
| Average total assets | $242,232,200 | 2,632 |
| Average earning assets | $217,205,400 | 2,687 |
| Average equity | $18,036,400 | 3,547 |
| Average total loans | $196,117,800 | 2,340 |