Grayson Bankshares (Grayson Bankshares) Debt-to-Revenue : 1.50 (As of Dec. 2011)

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What is Grayson Bankshares Debt-to-Revenue?

Debt-to-Revenue measures a company's ability to pay off its debt.

Grayson Bankshares's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2011 was $0.00 Mil. Grayson Bankshares's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2011 was $20.00 Mil. Grayson Bankshares's annualized Revenue for the quarter that ended in Dec. 2011 was $13.34 Mil. Grayson Bankshares's annualized Debt-to-Revenue for the quarter that ended in Dec. 2011 was 1.50.

Grayson Bankshares Debt-to-Revenue Historical Data

The historical data trend for Grayson Bankshares's Debt-to-Revenue can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Grayson Bankshares Debt-to-Revenue Chart

Grayson Bankshares Annual Data

Trend

Dec05

Dec06

Dec07

Dec08

Dec09

Dec10

Dec11

Debt-to-Revenue

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1.43

2.51

1.82

1.69

1.50

Grayson Bankshares Semi-Annual Data
	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11
Debt-to-Revenue	Get a 7-Day Free Trial			1.43	2.51	1.82	1.69	1.50

Competitive Comparison of Grayson Bankshares's Debt-to-Revenue

For the Banks - Regional subindustry, Grayson Bankshares's Debt-to-Revenue, along with its competitors' market caps and Debt-to-Revenue data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Grayson Bankshares's Debt-to-Revenue Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Grayson Bankshares's Debt-to-Revenue distribution charts can be found below:

* The bar in red indicates where Grayson Bankshares's Debt-to-Revenue falls into.

Grayson Bankshares Debt-to-Revenue Calculation

Debt-to-Revenue measures a company's ability to pay off its debt.

Grayson Bankshares's Debt-to-Revenue for the fiscal year that ended in Dec. 2011 is calculated as

Debt-to-Revenue	=	Total Debt			/	Revenue
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Revenue
	=	(0	+	20)	/	13.338
	=	1.50

Grayson Bankshares's annualized Debt-to-Revenue for the quarter that ended in Dec. 2011 is calculated as

Debt-to-Revenue	=	Total Debt			/	Revenue
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Revenue
	=	(0	+	20)	/	13.338
	=	1.50

In the calculation of annual Debt-to-Revenue, the Revenue of the last fiscal year is used. In calculating the annualized quarterly data, the Revenue data used here is one times the quarterly (Dec. 2011) Revenue data.

Grayson Bankshares Debt-to-Revenue Related Terms

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Grayson Bankshares (Grayson Bankshares) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Grayson Bankshares Inc (OTCPK:GSON) » Definitions » Debt-to-Revenue

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Traded in Other Exchanges

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Address

Website

Grayson Bankshares, Inc. was incorporated as a Virginia corporation on February 3, 1992. It is a bank holding company for The Grayson National Bank (the Bank). National Bank currently serves Grayson County and surrounding areas through ten banking offices located in the towns of Independence, Hillsville and Wytheville, the localities of Elk Creek, Troutdale and Whitetop, the City of Galax, and Carroll County, Virginia, and the Town of Sparta, North Carolina. The Bank operates for the primary purpose of meeting the banking needs of individuals and small to medium sized businesses in the Bank's service area, while developing personal, hometown associations with these customers. The Bank offers a wide range of banking services including checking and savings accounts; commercial, installment, mortgage and personal loans; credit and debit cards; internet banking and online bill paying; safe deposit boxes; and other associated services. The Bank's primary sources of revenue are interest income from its lending activities, and, to a lesser extent, from its investment portfolio. The Bank also earns fees from lending and deposit activities. The major expenses of the Bank are interest on deposit accounts and general and administrative expenses, such as salaries, occupancy and related expenses. The Bank's lending services include real estate, commercial, agricultural and consumer loans. The Bank invests a portion of its assets in U.S. Treasury, U.S. Government agency and U.S. Government sponsored enterprise securities, state, county and municipal obligations, and equity securities. Deposits are the major source of funds for lending and other investment activities. The Bank considers the majority of its regular savings, demand, NOW and money market deposits and small denomination certificates of deposit to be core deposits. The Company's market area consists primarily of the Counties of Grayson, Carroll and Wythe, and the independent city of Galax, in Virginia, as well as Alleghany County in North Carolina. As a bank holding company, the Company is subject to regulation under the Bank Holding Company Act of 1956 (BHCA) and the examination and reporting requirements of the Federal Reserve.

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