Home > Mountain Heritage Bank > Performance and Condition Ratios
Mountain Heritage Bank, 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 | 3.9999% | 6,698 |
| Cost of funding earning assets | 2.4351% | 47 |
| Net interest margin | 1.5648% | 7,497 |
| Noninterest income to average assets | 0.2303% | 6,073 |
| Noninterest expense to average assets | 3.4777% | 2,067 |
| Loan and lease loss provision to assets | 4.4557% | 82 |
| Net operating income to assets | -6.4608% | 7,513 |
| Return on assets (ROA) | -6.4608% | 7,513 |
| Pretax return on assets | -6.4608% | 7,509 |
| Return on Equity (ROE) | -370.5468% | 7,559 |
| Retained earnings to average equity (ytd only) | -370.5468% | 7,559 |
| Net charge-offs to loans | 7.4731% | 66 |
| Credit loss provision to net charge-offs | 106.5944% | 2,502 |
| Earnings coverage of net charge-offs (x) | -0.4797% | 4,785 |
| Efficiency ratio | 236.1538% | 44 |
| Assets per employee ($millions) | 5.1858% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9511% | 957 |
| Loan loss allowance to noncurrent loans | 16.0146% | 6,891 |
| Noncurrent assets plus other real estate owned to assets | 24.0850% | 30 |
| Noncurrent loans to loans | 18.4274% | 83 |
| Net loans and leases to total assets | 54.2520% | 5,268 |
| Net loans and leases to deposits | 62.8314% | 5,406 |
| Net loans and leases to core deposits | 69.2802% | 5,135 |
| Total domestic deposits to total assets | 86.3454% | 3,312 |
| Equity capital to assets | 1.0143% | 7,557 |
| Core capital (leverage) ratio | 1.1085% | 7,555 |
| Tier 1 risk-based capital ratio | 1.5902% | 7,555 |
| Total risk-based capital ratio | 2.8525% | 7,555 |
| Memoranda: | ||
| Average total assets | $105,931,000 | 4,838 |
| Average earning assets | $84,102,000 | 5,224 |
| Average equity | $1,847,000 | 7,425 |
| Average total loans | $59,252,500 | 5,038 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3949% | 6,623 |
| Cost of funding earning assets | 2.6839% | 62 |
| Net interest margin | 1.7110% | 7,518 |
| Noninterest income to average assets | 0.6529% | 3,132 |
| Noninterest expense to average assets | 3.6810% | 1,748 |
| Loan and lease loss provision to assets | 0.4254% | 3,562 |
| Net operating income to assets | -1.9924% | 7,054 |
| Return on assets (ROA) | -1.6972% | 6,992 |
| Pretax return on assets | -1.6972% | 6,925 |
| Return on Equity (ROE) | -48.2668% | 7,411 |
| Retained earnings to average equity (ytd only) | -48.2668% | 7,408 |
| Net charge-offs to loans | 2.0181% | 997 |
| Credit loss provision to net charge-offs | 33.6077% | 6,468 |
| Earnings coverage of net charge-offs (x) | -1.2380% | 6,644 |
| Efficiency ratio | 174.1273% | 132 |
| Assets per employee ($millions) | 5.6919% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7046% | 1,158 |
| Loan loss allowance to noncurrent loans | 17.8712% | 6,887 |
| Noncurrent assets plus other real estate owned to assets | 21.8297% | 52 |
| Noncurrent loans to loans | 15.1340% | 160 |
| Net loans and leases to total assets | 54.4532% | 5,580 |
| Net loans and leases to deposits | 63.7279% | 5,657 |
| Net loans and leases to core deposits | 68.2186% | 5,640 |
| Total domestic deposits to total assets | 85.4465% | 3,632 |
| Equity capital to assets | 2.4430% | 7,590 |
| Core capital (leverage) ratio | 2.5415% | 7,584 |
| Tier 1 risk-based capital ratio | 3.7631% | 7,574 |
| Total risk-based capital ratio | 5.0240% | 7,576 |
| Memoranda: | ||
| Average total assets | $115,186,600 | 4,587 |
| Average earning assets | $98,364,600 | 4,760 |
| Average equity | $4,050,400 | 6,983 |
| Average total loans | $72,246,400 | 4,601 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5235% | 6,551 |
| Cost of funding earning assets | 2.7101% | 65 |
| Net interest margin | 1.8133% | 7,626 |
| Noninterest income to average assets | 1.0819% | 1,222 |
| Noninterest expense to average assets | 3.5160% | 2,003 |
| Loan and lease loss provision to assets | 0.5586% | 2,715 |
| Net operating income to assets | -1.4183% | 7,082 |
| Return on assets (ROA) | -1.1697% | 7,007 |
| Pretax return on assets | -1.1697% | 6,930 |
| Return on Equity (ROE) | -31.0726% | 7,403 |
| Retained earnings to average equity (ytd only) | -31.0726% | 7,396 |
| Net charge-offs to loans | 2.5273% | 665 |
| Credit loss provision to net charge-offs | 34.3860% | 6,100 |
| Earnings coverage of net charge-offs (x) | -0.5291% | 6,336 |
| Efficiency ratio | 132.3605% | 283 |
| Assets per employee ($millions) | 5.7929% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5927% | 1,214 |
| Loan loss allowance to noncurrent loans | 16.3549% | 7,036 |
| Noncurrent assets plus other real estate owned to assets | 20.2843% | 58 |
| Noncurrent loans to loans | 15.8526% | 145 |
| Net loans and leases to total assets | 54.1542% | 5,827 |
| Net loans and leases to deposits | 63.5356% | 5,966 |
| Net loans and leases to core deposits | 67.7296% | 5,970 |
| Total domestic deposits to total assets | 85.2345% | 3,503 |
| Equity capital to assets | 3.4534% | 7,670 |
| Core capital (leverage) ratio | 3.2730% | 7,656 |
| Tier 1 risk-based capital ratio | 4.8907% | 7,644 |
| Total risk-based capital ratio | 6.1505% | 7,648 |
| Memoranda: | ||
| Average total assets | $116,946,750 | 4,611 |
| Average earning assets | $101,542,000 | 4,744 |
| Average equity | $4,402,500 | 6,941 |
| Average total loans | $75,176,500 | 4,555 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6351% | 6,355 |
| Cost of funding earning assets | 2.7432% | 76 |
| Net interest margin | 1.8919% | 7,672 |
| Noninterest income to average assets | 0.2540% | 6,092 |
| Noninterest expense to average assets | 3.1199% | 3,218 |
| Loan and lease loss provision to assets | 0.2131% | 4,755 |
| Net operating income to assets | -1.4082% | 7,124 |
| Return on assets (ROA) | -1.3383% | 7,108 |
| Pretax return on assets | -1.3383% | 7,030 |
| Return on Equity (ROE) | -34.6095% | 7,484 |
| Retained earnings to average equity (ytd only) | -34.6095% | 7,474 |
| Net charge-offs to loans | 0.5815% | 2,791 |
| Credit loss provision to net charge-offs | 54.5852% | 5,323 |
| Earnings coverage of net charge-offs (x) | -3.0611% | 6,259 |
| Efficiency ratio | 162.0903% | 171 |
| Assets per employee ($millions) | 6.0222% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4127% | 589 |
| Loan loss allowance to noncurrent loans | 19.4449% | 6,971 |
| Noncurrent assets plus other real estate owned to assets | 19.3164% | 64 |
| Noncurrent loans to loans | 17.5507% | 120 |
| Net loans and leases to total assets | 61.8628% | 4,712 |
| Net loans and leases to deposits | 72.9822% | 4,834 |
| Net loans and leases to core deposits | 84.8027% | 4,025 |
| Total domestic deposits to total assets | 84.7642% | 3,746 |
| Equity capital to assets | 3.7406% | 7,709 |
| Core capital (leverage) ratio | 3.4820% | 7,712 |
| Tier 1 risk-based capital ratio | 5.0067% | 7,701 |
| Total risk-based capital ratio | 6.2640% | 7,701 |
| Memoranda: | ||
| Average total assets | $117,309,670 | 4,629 |
| Average earning assets | $103,601,670 | 4,705 |
| Average equity | $4,536,330 | 6,925 |
| Average total loans | $78,764,670 | 4,481 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4802% | 6,824 |
| Cost of funding earning assets | 2.7808% | 96 |
| Net interest margin | 1.6994% | 7,799 |
| Noninterest income to average assets | 0.2560% | 6,100 |
| Noninterest expense to average assets | 3.0281% | 3,569 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.2530% | 7,238 |
| Return on assets (ROA) | -1.1856% | 7,228 |
| Pretax return on assets | -1.1856% | 7,138 |
| Return on Equity (ROE) | -30.1854% | 7,573 |
| Retained earnings to average equity (ytd only) | -30.1854% | 7,545 |
| Net charge-offs to loans | 0.0834% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -21.8824% | 5,581 |
| Efficiency ratio | 170.5882% | 144 |
| Assets per employee ($millions) | 5.6610% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2497% | 668 |
| Loan loss allowance to noncurrent loans | 18.7170% | 7,074 |
| Noncurrent assets plus other real estate owned to assets | 16.8925% | 100 |
| Noncurrent loans to loans | 17.3625% | 125 |
| Net loans and leases to total assets | 64.8119% | 4,141 |
| Net loans and leases to deposits | 76.1384% | 4,386 |
| Net loans and leases to core deposits | 91.5561% | 3,162 |
| Total domestic deposits to total assets | 85.1238% | 3,598 |
| Equity capital to assets | 3.8013% | 7,812 |
| Core capital (leverage) ratio | 3.7557% | 7,795 |
| Tier 1 risk-based capital ratio | 5.3720% | 7,780 |
| Total risk-based capital ratio | 6.6434% | 7,782 |
| Memoranda: | ||
| Average total assets | $118,754,000 | 4,664 |
| Average earning assets | $106,156,500 | 4,698 |
| Average equity | $4,664,500 | 6,957 |
| Average total loans | $81,504,500 | 4,459 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3142% | 5,110 |
| Cost of funding earning assets | 3.2207% | 119 |
| Net interest margin | 2.0935% | 7,704 |
| Noninterest income to average assets | 0.2285% | 6,480 |
| Noninterest expense to average assets | 2.9419% | 4,376 |
| Loan and lease loss provision to assets | 2.1455% | 982 |
| Net operating income to assets | -3.6518% | 7,544 |
| Return on assets (ROA) | -3.4091% | 7,486 |
| Pretax return on assets | -2.7479% | 7,225 |
| Return on Equity (ROE) | -53.5397% | 7,714 |
| Retained earnings to average equity (ytd only) | -53.5397% | 7,709 |
| Net charge-offs to loans | 2.2784% | 1,027 |
| Credit loss provision to net charge-offs | 132.0445% | 3,804 |
| Earnings coverage of net charge-offs (x) | -0.5201% | 6,702 |
| Efficiency ratio | 140.2996% | 381 |
| Assets per employee ($millions) | 5.6489% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1246% | 695 |
| Loan loss allowance to noncurrent loans | 29.1354% | 6,531 |
| Noncurrent assets plus other real estate owned to assets | 11.1029% | 297 |
| Noncurrent loans to loans | 10.7242% | 357 |
| Net loans and leases to total assets | 68.0848% | 3,690 |
| Net loans and leases to deposits | 80.2430% | 3,948 |
| Net loans and leases to core deposits | 148.4142% | 550 |
| Total domestic deposits to total assets | 84.8483% | 3,620 |
| Equity capital to assets | 4.0547% | 7,856 |
| Core capital (leverage) ratio | 3.9043% | 7,853 |
| Tier 1 risk-based capital ratio | 5.6591% | 7,833 |
| Total risk-based capital ratio | 6.9314% | 7,836 |
| Memoranda: | ||
| Average total assets | $127,333,800 | 4,395 |
| Average earning assets | $113,638,400 | 4,456 |
| Average equity | $8,108,000 | 5,887 |
| Average total loans | $90,810,600 | 4,195 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4075% | 4,910 |
| Cost of funding earning assets | 3.3025% | 137 |
| Net interest margin | 2.1050% | 7,760 |
| Noninterest income to average assets | 0.2193% | 6,660 |
| Noninterest expense to average assets | 2.4039% | 6,407 |
| Loan and lease loss provision to assets | 1.3239% | 1,462 |
| Net operating income to assets | -0.9905% | 6,822 |
| Return on assets (ROA) | -0.8699% | 6,740 |
| Pretax return on assets | -1.4434% | 6,930 |
| Return on Equity (ROE) | -12.6128% | 7,052 |
| Retained earnings to average equity (ytd only) | -12.6128% | 6,984 |
| Net charge-offs to loans | 0.6690% | 2,688 |
| Credit loss provision to net charge-offs | 276.5591% | 1,523 |
| Earnings coverage of net charge-offs (x) | -0.6430% | 6,535 |
| Efficiency ratio | 114.6857% | 680 |
| Assets per employee ($millions) | 5.8278% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1001% | 614 |
| Loan loss allowance to noncurrent loans | 37.2991% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 9.9997% | 340 |
| Noncurrent loans to loans | 8.3114% | 566 |
| Net loans and leases to total assets | 70.5419% | 3,378 |
| Net loans and leases to deposits | 85.8017% | 3,353 |
| Net loans and leases to core deposits | 158.9293% | 399 |
| Total domestic deposits to total assets | 82.2150% | 4,579 |
| Equity capital to assets | 6.9690% | 7,609 |
| Core capital (leverage) ratio | 6.1541% | 7,776 |
| Tier 1 risk-based capital ratio | 8.5457% | 7,726 |
| Total risk-based capital ratio | 9.8182% | 7,750 |
| Memoranda: | ||
| Average total assets | $129,510,500 | 4,380 |
| Average earning assets | $115,466,250 | 4,439 |
| Average equity | $8,932,500 | 5,677 |
| Average total loans | $92,670,250 | 4,185 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5353% | 4,414 |
| Cost of funding earning assets | 3.3837% | 155 |
| Net interest margin | 2.1516% | 7,776 |
| Noninterest income to average assets | 0.2199% | 6,726 |
| Noninterest expense to average assets | 2.4779% | 6,189 |
| Loan and lease loss provision to assets | 0.7916% | 2,112 |
| Net operating income to assets | -0.7112% | 6,764 |
| Return on assets (ROA) | -0.6005% | 6,665 |
| Pretax return on assets | -0.9569% | 6,785 |
| Return on Equity (ROE) | -8.7350% | 6,948 |
| Retained earnings to average equity (ytd only) | -8.7350% | 6,744 |
| Net charge-offs to loans | 0.7628% | 2,152 |
| Credit loss provision to net charge-offs | 145.8101% | 3,174 |
| Earnings coverage of net charge-offs (x) | -0.6229% | 6,127 |
| Efficiency ratio | 115.8044% | 739 |
| Assets per employee ($millions) | 5.8634% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3058% | 1,094 |
| Loan loss allowance to noncurrent loans | 51.5292% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 6.8824% | 633 |
| Noncurrent loans to loans | 4.4748% | 1,439 |
| Net loans and leases to total assets | 69.1717% | 3,908 |
| Net loans and leases to deposits | 83.4773% | 3,968 |
| Net loans and leases to core deposits | 151.6658% | 610 |
| Total domestic deposits to total assets | 82.8629% | 4,302 |
| Equity capital to assets | 6.8096% | 7,703 |
| Core capital (leverage) ratio | 6.3969% | 7,835 |
| Tier 1 risk-based capital ratio | 8.9806% | 7,708 |
| Total risk-based capital ratio | 10.2428% | 7,720 |
| Memoranda: | ||
| Average total assets | $131,886,000 | 4,356 |
| Average earning assets | $117,682,000 | 4,426 |
| Average equity | $9,067,000 | 5,660 |
| Average total loans | $93,862,330 | 4,173 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5124% | 4,846 |
| Cost of funding earning assets | 3.4770% | 156 |
| Net interest margin | 2.0355% | 7,879 |
| Noninterest income to average assets | 0.2160% | 6,748 |
| Noninterest expense to average assets | 2.3100% | 6,507 |
| Loan and lease loss provision to assets | 0.1560% | 4,937 |
| Net operating income to assets | -0.4200% | 6,801 |
| Return on assets (ROA) | -0.1290% | 6,559 |
| Pretax return on assets | -0.1290% | 6,501 |
| Return on Equity (ROE) | -1.8678% | 6,643 |
| Retained earnings to average equity (ytd only) | -1.8678% | 6,074 |
| Net charge-offs to loans | 0.3280% | 2,782 |
| Credit loss provision to net charge-offs | 66.6667% | 4,404 |
| Earnings coverage of net charge-offs (x) | -1.1282% | 5,388 |
| Efficiency ratio | 112.9032% | 752 |
| Assets per employee ($millions) | 5.9458% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0526% | 1,323 |
| Loan loss allowance to noncurrent loans | 57.2795% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 5.4332% | 793 |
| Noncurrent loans to loans | 3.5835% | 1,760 |
| Net loans and leases to total assets | 66.8570% | 4,376 |
| Net loans and leases to deposits | 80.0030% | 4,612 |
| Net loans and leases to core deposits | 98.5311% | 4,691 |
| Total domestic deposits to total assets | 83.5682% | 3,892 |
| Equity capital to assets | 6.7370% | 7,792 |
| Core capital (leverage) ratio | 6.8787% | 7,708 |
| Tier 1 risk-based capital ratio | 9.2550% | 7,622 |
| Total risk-based capital ratio | 10.4893% | 7,622 |
| Memoranda: | ||
| Average total assets | $133,331,500 | 4,340 |
| Average earning assets | $119,875,000 | 4,389 |
| Average equity | $9,208,500 | 5,626 |
| Average total loans | $95,126,500 | 4,173 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4125% | 3,349 |
| Cost of funding earning assets | 3.8687% | 152 |
| Net interest margin | 2.5437% | 7,703 |
| Noninterest income to average assets | 0.3016% | 6,298 |
| Noninterest expense to average assets | 2.6216% | 5,569 |
| Loan and lease loss provision to assets | 1.7250% | 748 |
| Net operating income to assets | -1.0075% | 7,254 |
| Return on assets (ROA) | -0.9928% | 7,164 |
| Pretax return on assets | -1.6412% | 7,316 |
| Return on Equity (ROE) | -12.0764% | 7,429 |
| Retained earnings to average equity (ytd only) | -12.0764% | 7,249 |
| Net charge-offs to loans | 1.2501% | 958 |
| Credit loss provision to net charge-offs | 174.6256% | 2,913 |
| Earnings coverage of net charge-offs (x) | 0.0616% | 6,213 |
| Efficiency ratio | 97.7328% | 1,070 |
| Assets per employee ($millions) | 5.1964% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0040% | 1,213 |
| Loan loss allowance to noncurrent loans | 35.5743% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 5.6809% | 552 |
| Noncurrent loans to loans | 5.6332% | 690 |
| Net loans and leases to total assets | 73.1014% | 3,335 |
| Net loans and leases to deposits | 88.4235% | 3,733 |
| Net loans and leases to core deposits | 204.7917% | 157 |
| Total domestic deposits to total assets | 82.6718% | 3,908 |
| Equity capital to assets | 7.0849% | 7,691 |
| Core capital (leverage) ratio | 7.0818% | 7,629 |
| Tier 1 risk-based capital ratio | 8.8858% | 7,858 |
| Total risk-based capital ratio | 10.1406% | 7,881 |
| Memoranda: | ||
| Average total assets | $121,679,200 | 4,479 |
| Average earning assets | $113,887,200 | 4,418 |
| Average equity | $10,003,000 | 5,410 |
| Average total loans | $96,149,000 | 4,053 |