GABA (Georgia Bancshares) Effective Interest Rate on Debt %: 38.39% (As of Sep. 2005)

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What is Georgia Bancshares Effective Interest Rate on Debt %?

Georgia Bancshares GABA Effective Interest Rate on Debt % is 38.39% as of Sep. 2005.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Georgia Bancshares's annualized positive value of Interest Expense for the quarter that ended in Sep. 2005 was $6.41 Mil. Georgia Bancshares's average total debt for the quarter that ended in Sep. 2005 was $16.70 Mil. Therefore, Georgia Bancshares's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2005 was 38.39%.

Georgia Bancshares  (OTCPK:GABA) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Georgia Bancshares Effective Interest Rate on Debt % Related Terms

Georgia Bancshares Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Georgia Bancshares's Effective Interest Rate on Debt % 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.

Georgia Bancshares Effective Interest Rate on Debt % Chart

Georgia Bancshares Annual Data
Trend Dec01 Dec02 Dec03 Dec04
Effective Interest Rate on Debt %
1,170.50 403.08 227.30 79.29

Georgia Bancshares Quarterly Data
Mar01 Jun01 Sep01 Dec01 Mar02 Jun02 Sep02 Dec02 Mar03 Jun03 Sep03 Dec03 Mar04 Jun04 Sep04 Dec04 Mar05 Jun05 Sep05
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 79.24 52.86 67.57 49.74 38.39

GABA vs BTHT, SUGR, TCNB: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, Georgia Bancshares's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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.

Georgia Bancshares Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Georgia Bancshares's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Georgia Bancshares's Effective Interest Rate on Debt % falls into.


Georgia Bancshares Effective Interest Rate on Debt % Calculation

Georgia Bancshares's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2004 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2003 )+Total Debt  (A: Dec. 2004 ))/ count )
=-1  *  -4.243/( (2+8.702)/ 2 )
=-1  *  -4.243/5.351
=79.29 %

where

Total Debt  (A: Dec. 2003 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=2 + 0
=2

Total Debt  (A: Dec. 2004 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=8.702 + 0
=8.702

Georgia Bancshares's annualized Effective Interest Rate on Debt % for the quarter that ended in Sep. 2005 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Jun. 2005 )+Total Debt  (Q: Sep. 2005 ))/ count )
=-1  *  -6.412/( (16.702+16.702)/ 2 )
=-1  *  -6.412/16.702
=38.39 %

where

Total Debt  (Q: Jun. 2005 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=16.702 + 0
=16.702

Total Debt  (Q: Sep. 2005 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=16.702 + 0
=16.702

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Sep. 2005) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 38.39% mean?
Georgia Bancshares (GABA) has a Effective Interest Rate on Debt % of 38.39% as of Sep. 2005. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Georgia Bancshares and its competitors.
Is Georgia Bancshares' Effective Interest Rate on Debt % too high?
Georgia Bancshares' current Effective Interest Rate on Debt % is 38.39%.
How does Georgia Bancshares' Effective Interest Rate on Debt % compare to BTHT and SUGR?
Georgia Bancshares' Effective Interest Rate on Debt % of 38.39% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Georgia Bancshares and its competitors. Georgia Bancshares's current Effective Interest Rate on Debt % is 38.39%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Georgia Bancshares stock overvalued right now?
Georgia Bancshares (GABA) has a current Effective Interest Rate on Debt % of 38.39%. The current Effective Interest Rate on Debt % is 38.39%. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Georgia Bancshares (GABA), the current Effective Interest Rate on Debt % is 38.39% as of Sep. 2005. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Georgia Bancshares Business Description

Address 100 Westpark Drive, Peachtree, GA, USA, 30269
Georgia Bancshares Inc is a holding company for The Bank of Georgia, which conducts a community-oriented commercial and retail banking business, focusing on the needs of individuals and small- to medium-sized businesses. It provides a variety of banking services to individuals and businesses. Its services include checking accounts, savings accounts, certificates of deposit (CDs), individual retirement accounts (IRAs) personal loans and other.