BAYN (Bay National) LT-Debt-to-Total-Asset: 0.03 (As of Mar. 2010)

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What is Bay National LT-Debt-to-Total-Asset?

Bay National BAYN LT-Debt-to-Total-Asset is 0.03 as of Mar. 2010.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Bay National's long-term debt to total assests ratio for the quarter that ended in Mar. 2010 was 0.03.

Bay National's long-term debt to total assets ratio increased from Mar. 2009 (0.03) to Mar. 2010 (0.03). It may suggest that Bay National is progressively becoming more dependent on debt to grow their business.

Bay National  (OTCPK:BAYN) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Bay National LT-Debt-to-Total-Asset Related Terms

Bay National LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Bay National's LT-Debt-to-Total-Asset 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.

Bay National LT-Debt-to-Total-Asset Chart

Bay National Annual Data
Trend Dec00 Dec01 Dec02 Dec03 Dec04 Dec05 Dec06 Dec07 Dec08 Dec09
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.04 0.03 0.03 0.03 0.03

Bay National Quarterly Data
Jun05 Sep05 Dec05 Mar06 Jun06 Sep06 Dec06 Mar07 Jun07 Sep07 Dec07 Mar08 Jun08 Sep08 Dec08 Mar09 Jun09 Sep09 Dec09 Mar10
LT-Debt-to-Total-Asset 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 Premium Member Only 0.03 0.03 0.03 0.03 0.03

Bay National LT-Debt-to-Total-Asset Calculation

Bay National's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2009 is calculated as

LT Debt to Total Assets (A: Dec. 2009 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2009 )/Total Assets (A: Dec. 2009 )
=8/290.343
=0.03

Bay National's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2010 is calculated as

LT Debt to Total Assets (Q: Mar. 2010 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2010 )/Total Assets (Q: Mar. 2010 )
=8/282.197
=0.03

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.03 mean?
Bay National (BAYN) has a LT-Debt-to-Total-Asset of 0.03 as of Mar. 2010. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bay National and its competitors.
Is Bay National's LT-Debt-to-Total-Asset too high?
Bay National's current LT-Debt-to-Total-Asset is 0.03.
How does Bay National's LT-Debt-to-Total-Asset compare to OPHC and CCSB?
Bay National's LT-Debt-to-Total-Asset of 0.03 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 LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bay National and its competitors. Bay National's current LT-Debt-to-Total-Asset is 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bay National stock overvalued right now?
Bay National (BAYN) has a current LT-Debt-to-Total-Asset of 0.03. The current LT-Debt-to-Total-Asset is 0.03. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Bay National (BAYN), the current LT-Debt-to-Total-Asset is 0.03 as of Mar. 2010. 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.

Bay National Business Description

Address 2328 West Joppa Road, Lutherville, MD, USA, 21093
Bay National Corp is a bank holding company, which through National Bank, offers a complete range of commercial, private, cash management, retail, and residential mortgage banking services.