Bay Community Bancorp (Bay Community Bancorp) Debt-to-Equity : 0.38 (As of Dec. 2007)

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What is Bay Community Bancorp Debt-to-Equity?

Bay Community Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2007 was $1.00 Mil. Bay Community Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2007 was $2.57 Mil. Bay Community Bancorp's Total Stockholders Equity for the quarter that ended in Dec. 2007 was $9.31 Mil. Bay Community Bancorp's debt to equity for the quarter that ended in Dec. 2007 was 0.38.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Bay Community Bancorp's Debt-to-Equity or its related term are showing as below:

CBOBA's Debt-to-Equity is not ranked ^*
in the Banks industry.
Industry Median: 0.66
* Ranked among companies with meaningful Debt-to-Equity only.

Bay Community Bancorp Debt-to-Equity Historical Data

The historical data trend for Bay Community Bancorp's Debt-to-Equity 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.

* Premium members only.

Bay Community Bancorp Debt-to-Equity Chart

Bay Community Bancorp Annual Data

Trend

Dec02

Dec03

Dec04

Dec05

Dec06

Dec07

Debt-to-Equity

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0.37

0.50

0.38

Bay Community Bancorp Quarterly Data
	Mar03	Jun03	Sep03	Dec03	Mar04	Jun04	Sep04	Dec04	Mar05	Jun05	Sep05	Dec05	Mar06	Jun06	Sep06	Dec06	Mar07	Jun07	Sep07	Dec07
Debt-to-Equity	Get a 7-Day Free Trial															0.50	0.42	0.40	0.40	0.38

Competitive Comparison of Bay Community Bancorp's Debt-to-Equity

For the Banks - Regional subindustry, Bay Community Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.

Bay Community Bancorp's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Bay Community Bancorp's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Bay Community Bancorp's Debt-to-Equity falls into.

Bay Community Bancorp Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Bay Community Bancorp's Debt to Equity Ratio for the fiscal year that ended in Dec. 2007 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(1	+	2.571)	/	9.306
	=	0.38

Bay Community Bancorp's Debt to Equity Ratio for the quarter that ended in Dec. 2007 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(1	+	2.571)	/	9.306
	=	0.38

Bay Community Bancorp (OTCPK:CBOBA) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Bay Community Bancorp Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Bay Community Bancorp's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

Bay Community Bancorp (Bay Community Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Bay Community Bancorp (OTCPK:CBOBA) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

180 Grand Avenue, Suite 1550, Oakland, CA, USA, 94612

Website

https://www.bankcbb.com

Bay Community Bancorp is a community banking institution headquartered in Oakland. It provides a range of loans such as business loans, property loans, construction loans, personal loans and other deposit products. Further, it offers business banking, personal banking, non-profit banking and merchant banking services. The Bank's primary source of revenue is generated from providing loans to customers who are predominately small and middle market businesses and individuals residing in the surrounding areas.

Bay Community Bancorp (Bay Community Bancorp) Headlines

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