Home > The Buckhead Community Bank > Performance and Condition Ratios
The Buckhead Community Bank, Performance and Condition Ratios
| 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 | 4.2833% | 7,682 |
| Cost of funding earning assets | 3.3718% | 108 |
| Net interest margin | 0.9114% | 8,029 |
| Noninterest income to average assets | 0.0067% | 7,816 |
| Noninterest expense to average assets | 5.6418% | 355 |
| Loan and lease loss provision to assets | 3.9082% | 315 |
| Net operating income to assets | -8.7344% | 8,025 |
| Return on assets (ROA) | -8.7134% | 8,024 |
| Pretax return on assets | -8.7134% | 8,018 |
| Return on Equity (ROE) | -201.4557% | 8,074 |
| Retained earnings to average equity (ytd only) | -201.4557% | 8,074 |
| Net charge-offs to loans | 3.8758% | 371 |
| Credit loss provision to net charge-offs | 135.2022% | 3,670 |
| Earnings coverage of net charge-offs (x) | -1.6696% | 6,712 |
| Efficiency ratio | 382.2552% | 45 |
| Assets per employee ($millions) | 9.7300% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9457% | 693 |
| Loan loss allowance to noncurrent loans | 12.9465% | 7,384 |
| Noncurrent assets plus other real estate owned to assets | 22.3355% | 35 |
| Noncurrent loans to loans | 22.7530% | 45 |
| Net loans and leases to total assets | 73.4803% | 2,668 |
| Net loans and leases to deposits | 77.3245% | 4,842 |
| Net loans and leases to core deposits | 123.6416% | 1,939 |
| Total domestic deposits to total assets | 95.0285% | 35 |
| Equity capital to assets | 1.0088% | 8,074 |
| Core capital (leverage) ratio | 0.8665% | 8,074 |
| Tier 1 risk-based capital ratio | 1.1174% | 8,074 |
| Total risk-based capital ratio | 2.2347% | 8,074 |
| Memoranda: | ||
| Average total assets | $914,846,750 | 750 |
| Average earning assets | $811,885,750 | 764 |
| Average equity | $39,569,000 | 1,717 |
| Average total loans | $682,309,750 | 702 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2834% | 7,787 |
| Cost of funding earning assets | 3.3411% | 172 |
| Net interest margin | 0.9423% | 8,108 |
| Noninterest income to average assets | 0.0520% | 7,729 |
| Noninterest expense to average assets | 6.1367% | 306 |
| Loan and lease loss provision to assets | 4.3530% | 269 |
| Net operating income to assets | -9.5956% | 8,111 |
| Return on assets (ROA) | -9.5648% | 8,103 |
| Pretax return on assets | -9.5648% | 8,090 |
| Return on Equity (ROE) | -179.1764% | 8,142 |
| Retained earnings to average equity (ytd only) | -179.1764% | 8,140 |
| Net charge-offs to loans | 5.2634% | 232 |
| Credit loss provision to net charge-offs | 111.4051% | 4,156 |
| Earnings coverage of net charge-offs (x) | -1.3417% | 6,297 |
| Efficiency ratio | 271.7261% | 96 |
| Assets per employee ($millions) | 10.3588% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1425% | 1,328 |
| Loan loss allowance to noncurrent loans | 11.7479% | 7,462 |
| Noncurrent assets plus other real estate owned to assets | 17.4857% | 67 |
| Noncurrent loans to loans | 18.2378% | 73 |
| Net loans and leases to total assets | 70.3282% | 3,619 |
| Net loans and leases to deposits | 76.2681% | 5,129 |
| Net loans and leases to core deposits | 118.4353% | 2,506 |
| Total domestic deposits to total assets | 92.2119% | 179 |
| Equity capital to assets | 2.4023% | 8,136 |
| Core capital (leverage) ratio | 2.3728% | 8,136 |
| Tier 1 risk-based capital ratio | 3.1469% | 8,138 |
| Total risk-based capital ratio | 5.7805% | 8,117 |
| Memoranda: | ||
| Average total assets | $934,383,670 | 750 |
| Average earning assets | $834,945,670 | 759 |
| Average equity | $49,879,330 | 1,379 |
| Average total loans | $693,659,330 | 710 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2396% | 7,884 |
| Cost of funding earning assets | 3.2383% | 309 |
| Net interest margin | 1.0013% | 8,165 |
| Noninterest income to average assets | 0.0812% | 7,648 |
| Noninterest expense to average assets | 1.9268% | 7,497 |
| Loan and lease loss provision to assets | 2.1535% | 548 |
| Net operating income to assets | -3.0903% | 7,858 |
| Return on assets (ROA) | -2.7374% | 7,807 |
| Pretax return on assets | -2.7374% | 7,709 |
| Return on Equity (ROE) | -40.3922% | 7,992 |
| Retained earnings to average equity (ytd only) | -40.3922% | 7,971 |
| Net charge-offs to loans | 1.3610% | 1,039 |
| Credit loss provision to net charge-offs | 209.8632% | 2,137 |
| Earnings coverage of net charge-offs (x) | -0.9130% | 5,343 |
| Efficiency ratio | 194.6306% | 203 |
| Assets per employee ($millions) | 10.6882% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1090% | 1,216 |
| Loan loss allowance to noncurrent loans | 13.3232% | 7,451 |
| Noncurrent assets plus other real estate owned to assets | 15.1628% | 78 |
| Noncurrent loans to loans | 15.8296% | 83 |
| Net loans and leases to total assets | 70.4614% | 3,582 |
| Net loans and leases to deposits | 79.8387% | 4,642 |
| Net loans and leases to core deposits | 116.1622% | 2,792 |
| Total domestic deposits to total assets | 88.2546% | 1,610 |
| Equity capital to assets | 6.1945% | 7,957 |
| Core capital (leverage) ratio | 4.6913% | 8,141 |
| Tier 1 risk-based capital ratio | 5.7120% | 8,153 |
| Total risk-based capital ratio | 8.2743% | 8,103 |
| Memoranda: | ||
| Average total assets | $940,608,500 | 744 |
| Average earning assets | $853,657,500 | 744 |
| Average equity | $63,745,000 | 1,070 |
| Average total loans | $709,201,000 | 701 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1535% | 4,758 |
| Cost of funding earning assets | 3.7472% | 231 |
| Net interest margin | 2.4063% | 7,841 |
| Noninterest income to average assets | 0.0366% | 7,957 |
| Noninterest expense to average assets | 4.4075% | 949 |
| Loan and lease loss provision to assets | 1.6895% | 767 |
| Net operating income to assets | -3.9391% | 7,977 |
| Return on assets (ROA) | -3.9119% | 7,956 |
| Pretax return on assets | -3.8560% | 7,867 |
| Return on Equity (ROE) | -37.7355% | 8,056 |
| Retained earnings to average equity (ytd only) | -38.5781% | 8,030 |
| Net charge-offs to loans | 1.8606% | 588 |
| Credit loss provision to net charge-offs | 117.6999% | 4,572 |
| Earnings coverage of net charge-offs (x) | -1.5282% | 6,667 |
| Efficiency ratio | 111.7134% | 681 |
| Assets per employee ($millions) | 9.7698% | 281 |
| Cash dividends to net income (ytd only)* | -2.2329% | 7,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 1,950 |
| Loan loss allowance to noncurrent loans | 14.3664% | 7,416 |
| Noncurrent assets plus other real estate owned to assets | 12.5327% | 95 |
| Noncurrent loans to loans | 11.7389% | 137 |
| Net loans and leases to total assets | 77.7245% | 2,210 |
| Net loans and leases to deposits | 92.0796% | 3,121 |
| Net loans and leases to core deposits | 121.4858% | 2,555 |
| Total domestic deposits to total assets | 84.4101% | 3,124 |
| Equity capital to assets | 7.4006% | 7,465 |
| Core capital (leverage) ratio | 5.5115% | 8,161 |
| Tier 1 risk-based capital ratio | 6.4341% | 8,209 |
| Total risk-based capital ratio | 8.9688% | 8,141 |
| Memoranda: | ||
| Average total assets | $915,879,800 | 728 |
| Average earning assets | $828,694,600 | 729 |
| Average equity | $94,945,000 | 705 |
| Average total loans | $706,581,200 | 675 |