Home > North Georgia Bank > Performance and Condition Ratios
North Georgia 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 | 4.2229% | 6,891 |
| Cost of funding earning assets | 2.8922% | 36 |
| Net interest margin | 1.3307% | 7,562 |
| Noninterest income to average assets | 0.2209% | 6,227 |
| Noninterest expense to average assets | 3.3041% | 2,728 |
| Loan and lease loss provision to assets | 2.7653% | 371 |
| Net operating income to assets | -4.7091% | 7,512 |
| Return on assets (ROA) | -4.5203% | 7,505 |
| Pretax return on assets | -4.5203% | 7,502 |
| Return on Equity (ROE) | -147.1227% | 7,634 |
| Retained earnings to average equity (ytd only) | -147.1227% | 7,634 |
| Net charge-offs to loans | 5.3346% | 150 |
| Credit loss provision to net charge-offs | 75.5653% | 5,710 |
| Earnings coverage of net charge-offs (x) | -0.5312% | 6,470 |
| Efficiency ratio | 242.8884% | 54 |
| Assets per employee ($millions) | 5.6730% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 5,638 |
| Loan loss allowance to noncurrent loans | 4.0691% | 7,133 |
| Noncurrent assets plus other real estate owned to assets | 26.9664% | 16 |
| Noncurrent loans to loans | 28.7946% | 17 |
| Net loans and leases to total assets | 63.9327% | 3,887 |
| Net loans and leases to deposits | 70.1121% | 4,804 |
| Net loans and leases to core deposits | 74.5923% | 4,900 |
| Total domestic deposits to total assets | 91.1864% | 513 |
| Equity capital to assets | 0.3525% | 7,645 |
| Core capital (leverage) ratio | 0.5502% | 7,641 |
| Tier 1 risk-based capital ratio | 0.8308% | 7,642 |
| Total risk-based capital ratio | 1.6615% | 7,642 |
| Memoranda: | ||
| Average total assets | $167,974,200 | 3,576 |
| Average earning assets | $143,833,200 | 3,743 |
| Average equity | $5,161,000 | 6,614 |
| Average total loans | $115,229,600 | 3,421 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 7,041 |
| Cost of funding earning assets | 2.9613% | 36 |
| Net interest margin | 1.2782% | 7,687 |
| Noninterest income to average assets | 0.3487% | 5,381 |
| Noninterest expense to average assets | 3.0693% | 3,485 |
| Loan and lease loss provision to assets | 2.3657% | 457 |
| Net operating income to assets | -3.9756% | 7,571 |
| Return on assets (ROA) | -3.7294% | 7,557 |
| Pretax return on assets | -3.7294% | 7,533 |
| Return on Equity (ROE) | -101.3657% | 7,695 |
| Retained earnings to average equity (ytd only) | -101.3657% | 7,695 |
| Net charge-offs to loans | 4.2303% | 272 |
| Credit loss provision to net charge-offs | 80.4968% | 5,115 |
| Earnings coverage of net charge-offs (x) | -0.5478% | 6,340 |
| Efficiency ratio | 210.3246% | 74 |
| Assets per employee ($millions) | 6.1604% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 3,118 |
| Loan loss allowance to noncurrent loans | 5.7970% | 7,230 |
| Noncurrent assets plus other real estate owned to assets | 25.2754% | 22 |
| Noncurrent loans to loans | 29.5263% | 18 |
| Net loans and leases to total assets | 66.4580% | 3,579 |
| Net loans and leases to deposits | 75.5671% | 4,253 |
| Net loans and leases to core deposits | 83.6424% | 4,003 |
| Total domestic deposits to total assets | 87.9458% | 1,994 |
| Equity capital to assets | 2.2918% | 7,718 |
| Core capital (leverage) ratio | 2.1957% | 7,712 |
| Tier 1 risk-based capital ratio | 3.2267% | 7,703 |
| Total risk-based capital ratio | 4.4829% | 7,703 |
| Memoranda: | ||
| Average total assets | $171,674,750 | 3,544 |
| Average earning assets | $149,165,500 | 3,699 |
| Average equity | $6,316,250 | 6,349 |
| Average total loans | $119,265,000 | 3,382 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1709% | 7,208 |
| Cost of funding earning assets | 3.0430% | 33 |
| Net interest margin | 1.1279% | 7,772 |
| Noninterest income to average assets | 0.4382% | 4,627 |
| Noninterest expense to average assets | 3.0036% | 3,700 |
| Loan and lease loss provision to assets | 2.2207% | 538 |
| Net operating income to assets | -3.7900% | 7,601 |
| Return on assets (ROA) | -3.6217% | 7,594 |
| Pretax return on assets | -3.6217% | 7,562 |
| Return on Equity (ROE) | -87.8479% | 7,717 |
| Retained earnings to average equity (ytd only) | -87.8479% | 7,715 |
| Net charge-offs to loans | 5.0983% | 198 |
| Credit loss provision to net charge-offs | 62.1691% | 5,161 |
| Earnings coverage of net charge-offs (x) | -0.4393% | 6,002 |
| Efficiency ratio | 209.4051% | 89 |
| Assets per employee ($millions) | 5.9128% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 4,957 |
| Loan loss allowance to noncurrent loans | 4.8783% | 7,308 |
| Noncurrent assets plus other real estate owned to assets | 22.5232% | 36 |
| Noncurrent loans to loans | 26.5264% | 27 |
| Net loans and leases to total assets | 68.6950% | 3,199 |
| Net loans and leases to deposits | 79.0747% | 3,783 |
| Net loans and leases to core deposits | 89.5752% | 3,331 |
| Total domestic deposits to total assets | 86.8735% | 2,607 |
| Equity capital to assets | 3.2671% | 7,737 |
| Core capital (leverage) ratio | 3.1787% | 7,729 |
| Tier 1 risk-based capital ratio | 4.6035% | 7,722 |
| Total risk-based capital ratio | 5.8544% | 7,725 |
| Memoranda: | ||
| Average total assets | $173,455,670 | 3,543 |
| Average earning assets | $153,204,330 | 3,654 |
| Average equity | $7,151,000 | 6,094 |
| Average total loans | $121,531,330 | 3,377 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1860% | 7,283 |
| Cost of funding earning assets | 3.2069% | 32 |
| Net interest margin | 0.9791% | 7,880 |
| Noninterest income to average assets | 0.6133% | 3,182 |
| Noninterest expense to average assets | 2.6786% | 5,008 |
| Loan and lease loss provision to assets | 0.0586% | 6,057 |
| Net operating income to assets | -1.2559% | 7,240 |
| Return on assets (ROA) | -1.0034% | 7,129 |
| Pretax return on assets | -1.0034% | 7,051 |
| Return on Equity (ROE) | -22.1890% | 7,470 |
| Retained earnings to average equity (ytd only) | -22.1890% | 7,418 |
| Net charge-offs to loans | 1.0073% | 1,633 |
| Credit loss provision to net charge-offs | 8.2803% | 5,065 |
| Earnings coverage of net charge-offs (x) | -1.6911% | 5,445 |
| Efficiency ratio | 180.8219% | 122 |
| Assets per employee ($millions) | 6.4309% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9396% | 2,336 |
| Loan loss allowance to noncurrent loans | 6.1482% | 7,372 |
| Noncurrent assets plus other real estate owned to assets | 24.4893% | 30 |
| Noncurrent loans to loans | 31.5475% | 16 |
| Net loans and leases to total assets | 69.1520% | 3,123 |
| Net loans and leases to deposits | 83.8099% | 2,969 |
| Net loans and leases to core deposits | 96.7324% | 2,495 |
| Total domestic deposits to total assets | 82.5104% | 4,844 |
| Equity capital to assets | 4.4922% | 7,762 |
| Core capital (leverage) ratio | 4.5195% | 7,742 |
| Tier 1 risk-based capital ratio | 6.6273% | 7,724 |
| Total risk-based capital ratio | 7.8175% | 7,727 |
| Memoranda: | ||
| Average total assets | $177,404,500 | 3,535 |
| Average earning assets | $157,286,500 | 3,621 |
| Average equity | $8,022,000 | 5,834 |
| Average total loans | $124,686,500 | 3,371 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3239% | 7,542 |
| Cost of funding earning assets | 3.6719% | 24 |
| Net interest margin | 0.6520% | 7,954 |
| Noninterest income to average assets | 0.2364% | 6,408 |
| Noninterest expense to average assets | 2.3334% | 6,652 |
| Loan and lease loss provision to assets | 2.2878% | 894 |
| Net operating income to assets | -2.7725% | 7,347 |
| Return on assets (ROA) | -2.7146% | 7,334 |
| Pretax return on assets | -3.7161% | 7,467 |
| Return on Equity (ROE) | -47.9442% | 7,664 |
| Retained earnings to average equity (ytd only) | -47.9442% | 7,657 |
| Net charge-offs to loans | 2.5621% | 893 |
| Credit loss provision to net charge-offs | 122.1936% | 4,330 |
| Earnings coverage of net charge-offs (x) | -0.8053% | 6,839 |
| Efficiency ratio | 282.5974% | 69 |
| Assets per employee ($millions) | 6.7101% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0981% | 1,830 |
| Loan loss allowance to noncurrent loans | 7.4521% | 7,399 |
| Noncurrent assets plus other real estate owned to assets | 22.5568% | 36 |
| Noncurrent loans to loans | 28.1542% | 24 |
| Net loans and leases to total assets | 68.5877% | 3,575 |
| Net loans and leases to deposits | 82.6932% | 3,506 |
| Net loans and leases to core deposits | 98.2845% | 4,197 |
| Total domestic deposits to total assets | 82.9424% | 4,544 |
| Equity capital to assets | 4.5503% | 7,819 |
| Core capital (leverage) ratio | 4.5648% | 7,798 |
| Tier 1 risk-based capital ratio | 6.6833% | 7,779 |
| Total risk-based capital ratio | 7.9304% | 7,781 |
| Memoranda: | ||
| Average total assets | $186,512,600 | 3,331 |
| Average earning assets | $168,552,000 | 3,375 |
| Average equity | $10,560,200 | 5,138 |
| Average total loans | $136,295,400 | 3,148 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4674% | 7,544 |
| Cost of funding earning assets | 3.7196% | 28 |
| Net interest margin | 0.7478% | 8,037 |
| Noninterest income to average assets | 0.2321% | 6,562 |
| Noninterest expense to average assets | 2.3416% | 6,587 |
| Loan and lease loss provision to assets | 3.0024% | 491 |
| Net operating income to assets | -3.3280% | 7,657 |
| Return on assets (ROA) | -3.2465% | 7,641 |
| Pretax return on assets | -4.3218% | 7,733 |
| Return on Equity (ROE) | -54.7479% | 7,867 |
| Retained earnings to average equity (ytd only) | -54.7479% | 7,861 |
| Net charge-offs to loans | 2.0523% | 952 |
| Credit loss provision to net charge-offs | 198.2193% | 2,260 |
| Earnings coverage of net charge-offs (x) | -0.9428% | 6,615 |
| Efficiency ratio | 256.3326% | 82 |
| Assets per employee ($millions) | 7.0684% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9738% | 680 |
| Loan loss allowance to noncurrent loans | 12.5354% | 7,397 |
| Noncurrent assets plus other real estate owned to assets | 19.0284% | 57 |
| Noncurrent loans to loans | 23.7236% | 33 |
| Net loans and leases to total assets | 70.7288% | 3,329 |
| Net loans and leases to deposits | 85.6285% | 3,395 |
| Net loans and leases to core deposits | 100.7035% | 4,292 |
| Total domestic deposits to total assets | 82.5997% | 4,397 |
| Equity capital to assets | 4.8586% | 7,961 |
| Core capital (leverage) ratio | 4.2011% | 7,970 |
| Tier 1 risk-based capital ratio | 6.1328% | 7,950 |
| Total risk-based capital ratio | 7.4052% | 7,953 |
| Memoranda: | ||
| Average total assets | $187,847,250 | 3,337 |
| Average earning assets | $171,160,500 | 3,358 |
| Average equity | $11,139,250 | 5,036 |
| Average total loans | $138,637,750 | 3,143 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5850% | 7,553 |
| Cost of funding earning assets | 3.7335% | 49 |
| Net interest margin | 0.8515% | 8,118 |
| Noninterest income to average assets | 0.2579% | 6,434 |
| Noninterest expense to average assets | 2.4482% | 6,302 |
| Loan and lease loss provision to assets | 4.4640% | 259 |
| Net operating income to assets | -4.3593% | 7,877 |
| Return on assets (ROA) | -4.3593% | 7,875 |
| Pretax return on assets | -5.8741% | 7,940 |
| Return on Equity (ROE) | -69.4510% | 8,016 |
| Retained earnings to average equity (ytd only) | -69.4510% | 8,010 |
| Net charge-offs to loans | 2.4994% | 692 |
| Credit loss provision to net charge-offs | 241.0388% | 1,927 |
| Earnings coverage of net charge-offs (x) | -0.7614% | 6,166 |
| Efficiency ratio | 235.8452% | 136 |
| Assets per employee ($millions) | 6.8819% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1395% | 501 |
| Loan loss allowance to noncurrent loans | 15.1871% | 7,362 |
| Noncurrent assets plus other real estate owned to assets | 16.0260% | 88 |
| Noncurrent loans to loans | 20.6724% | 49 |
| Net loans and leases to total assets | 69.7913% | 3,754 |
| Net loans and leases to deposits | 83.8532% | 3,907 |
| Net loans and leases to core deposits | 97.2288% | 4,762 |
| Total domestic deposits to total assets | 83.2303% | 4,132 |
| Equity capital to assets | 4.7630% | 8,055 |
| Core capital (leverage) ratio | 4.3374% | 8,070 |
| Tier 1 risk-based capital ratio | 6.0784% | 8,052 |
| Total risk-based capital ratio | 7.3358% | 8,061 |
| Memoranda: | ||
| Average total assets | $189,203,670 | 3,346 |
| Average earning assets | $173,348,670 | 3,356 |
| Average equity | $11,876,000 | 4,850 |
| Average total loans | $140,194,330 | 3,139 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2955% | 5,908 |
| Cost of funding earning assets | 3.7118% | 85 |
| Net interest margin | 1.5837% | 8,038 |
| Noninterest income to average assets | 0.2625% | 6,358 |
| Noninterest expense to average assets | 2.2106% | 6,840 |
| Loan and lease loss provision to assets | 0.4268% | 2,790 |
| Net operating income to assets | -0.5356% | 6,908 |
| Return on assets (ROA) | -0.5356% | 6,959 |
| Pretax return on assets | -0.9346% | 7,117 |
| Return on Equity (ROE) | -7.5917% | 7,204 |
| Retained earnings to average equity (ytd only) | -7.5917% | 6,866 |
| Net charge-offs to loans | 0.1817% | 3,548 |
| Credit loss provision to net charge-offs | 312.5000% | 1,563 |
| Earnings coverage of net charge-offs (x) | -3.7188% | 5,536 |
| Efficiency ratio | 129.8246% | 506 |
| Assets per employee ($millions) | 6.5472% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 3,372 |
| Loan loss allowance to noncurrent loans | 12.4462% | 7,474 |
| Noncurrent assets plus other real estate owned to assets | 8.9687% | 281 |
| Noncurrent loans to loans | 11.4290% | 200 |
| Net loans and leases to total assets | 71.4108% | 3,372 |
| Net loans and leases to deposits | 87.5664% | 3,367 |
| Net loans and leases to core deposits | 103.2682% | 4,219 |
| Total domestic deposits to total assets | 81.5505% | 4,731 |
| Equity capital to assets | 6.6537% | 7,824 |
| Core capital (leverage) ratio | 6.9588% | 7,658 |
| Tier 1 risk-based capital ratio | 8.8236% | 7,870 |
| Total risk-based capital ratio | 10.0507% | 7,932 |
| Memoranda: | ||
| Average total assets | $187,459,000 | 3,392 |
| Average earning assets | $170,483,000 | 3,414 |
| Average equity | $13,225,000 | 4,529 |
| Average total loans | $140,870,500 | 3,155 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5002% | 2,959 |
| Cost of funding earning assets | 3.8214% | 187 |
| Net interest margin | 2.6788% | 7,538 |
| Noninterest income to average assets | 0.1613% | 7,270 |
| Noninterest expense to average assets | 2.1835% | 7,009 |
| Loan and lease loss provision to assets | 2.3269% | 473 |
| Net operating income to assets | -1.1111% | 7,292 |
| Return on assets (ROA) | -1.1027% | 7,231 |
| Pretax return on assets | -1.8401% | 7,386 |
| Return on Equity (ROE) | -12.4642% | 7,459 |
| Retained earnings to average equity (ytd only) | -14.4821% | 7,429 |
| Net charge-offs to loans | 3.6426% | 211 |
| Credit loss provision to net charge-offs | 78.0751% | 5,940 |
| Earnings coverage of net charge-offs (x) | 0.1589% | 6,155 |
| Efficiency ratio | 82.1725% | 2,282 |
| Assets per employee ($millions) | 5.7581% | 1,288 |
| Cash dividends to net income (ytd only)* | -16.1900% | 7,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 3,458 |
| Loan loss allowance to noncurrent loans | 12.8322% | 7,456 |
| Noncurrent assets plus other real estate owned to assets | 8.8414% | 237 |
| Noncurrent loans to loans | 10.5504% | 188 |
| Net loans and leases to total assets | 77.0674% | 2,356 |
| Net loans and leases to deposits | 96.9205% | 2,301 |
| Net loans and leases to core deposits | 114.4533% | 3,285 |
| Total domestic deposits to total assets | 79.5161% | 5,197 |
| Equity capital to assets | 7.4963% | 7,380 |
| Core capital (leverage) ratio | 7.7030% | 6,922 |
| Tier 1 risk-based capital ratio | 9.2372% | 7,583 |
| Total risk-based capital ratio | 10.4875% | 7,524 |
| Memoranda: | ||
| Average total assets | $168,035,600 | 3,582 |
| Average earning assets | $156,563,800 | 3,542 |
| Average equity | $14,866,600 | 4,170 |
| Average total loans | $137,483,000 | 3,137 |