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Venture Bank, Performance and Condition Ratios
| 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 | 5.4075% | 5,111 |
| Cost of funding earning assets | 3.1204% | 334 |
| Net interest margin | 2.2872% | 7,687 |
| Noninterest income to average assets | 1.1431% | 1,201 |
| Noninterest expense to average assets | 4.0042% | 1,311 |
| Loan and lease loss provision to assets | 4.1326% | 297 |
| Net operating income to assets | -4.9600% | 7,926 |
| Return on assets (ROA) | -4.3055% | 7,863 |
| Pretax return on assets | -4.3055% | 7,780 |
| Return on Equity (ROE) | -699.2157% | 8,187 |
| Retained earnings to average equity (ytd only) | -699.2157% | 8,187 |
| Net charge-offs to loans | 2.2455% | 802 |
| Credit loss provision to net charge-offs | 267.4265% | 1,745 |
| Earnings coverage of net charge-offs (x) | -0.5354% | 6,093 |
| Efficiency ratio | 126.0447% | 571 |
| Assets per employee ($millions) | 4.8419% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6466% | 92 |
| Loan loss allowance to noncurrent loans | 32.7916% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 17.0376% | 74 |
| Noncurrent loans to loans | 17.2196% | 88 |
| Net loans and leases to total assets | 67.1268% | 4,335 |
| Net loans and leases to deposits | 70.8320% | 5,894 |
| Net loans and leases to core deposits | 114.5839% | 2,845 |
| Total domestic deposits to total assets | 94.7690% | 41 |
| Equity capital to assets | -0.8831% | 8,179 |
| Core capital (leverage) ratio | 3.1317% | 8,122 |
| Tier 1 risk-based capital ratio | 3.1289% | 8,139 |
| Total risk-based capital ratio | 4.4105% | 8,138 |
| Memoranda: | ||
| Average total assets | $1,056,088,330 | 660 |
| Average earning assets | $939,060,000 | 668 |
| Average equity | $6,503,000 | 6,529 |
| Average total loans | $726,789,670 | 677 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6368% | 4,125 |
| Cost of funding earning assets | 3.1283% | 421 |
| Net interest margin | 2.5085% | 7,488 |
| Noninterest income to average assets | 1.3593% | 772 |
| Noninterest expense to average assets | 3.2038% | 2,970 |
| Loan and lease loss provision to assets | 7.7448% | 70 |
| Net operating income to assets | -7.3375% | 8,131 |
| Return on assets (ROA) | -6.0836% | 8,084 |
| Pretax return on assets | -6.0836% | 8,055 |
| Return on Equity (ROE) | -476.9324% | 8,233 |
| Retained earnings to average equity (ytd only) | -476.9324% | 8,233 |
| Net charge-offs to loans | 4.1823% | 288 |
| Credit loss provision to net charge-offs | 273.1435% | 1,747 |
| Earnings coverage of net charge-offs (x) | 0.1436% | 4,858 |
| Efficiency ratio | 88.7210% | 1,832 |
| Assets per employee ($millions) | 4.8845% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3027% | 95 |
| Loan loss allowance to noncurrent loans | 49.3610% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 9.3616% | 255 |
| Noncurrent loans to loans | 10.7427% | 242 |
| Net loans and leases to total assets | 64.6751% | 4,863 |
| Net loans and leases to deposits | 68.7452% | 6,105 |
| Net loans and leases to core deposits | 112.3292% | 3,184 |
| Total domestic deposits to total assets | 94.0795% | 39 |
| Equity capital to assets | 0.3320% | 8,236 |
| Core capital (leverage) ratio | 3.3708% | 8,193 |
| Tier 1 risk-based capital ratio | 3.5243% | 8,209 |
| Total risk-based capital ratio | 4.8035% | 8,209 |
| Memoranda: | ||
| Average total assets | $1,099,940,000 | 628 |
| Average earning assets | $987,362,500 | 634 |
| Average equity | $14,030,500 | 4,329 |
| Average total loans | $745,710,500 | 660 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8586% | 1,518 |
| Cost of funding earning assets | 2.9666% | 1,998 |
| Net interest margin | 3.8920% | 3,597 |
| Noninterest income to average assets | 1.0724% | 1,370 |
| Noninterest expense to average assets | 10.4022% | 131 |
| Loan and lease loss provision to assets | 1.9953% | 602 |
| Net operating income to assets | -7.0495% | 8,197 |
| Return on assets (ROA) | -7.1431% | 8,195 |
| Pretax return on assets | -7.9404% | 8,200 |
| Return on Equity (ROE) | -100.1211% | 8,276 |
| Retained earnings to average equity (ytd only) | -102.6093% | 8,274 |
| Net charge-offs to loans | 1.1675% | 1,038 |
| Credit loss provision to net charge-offs | 256.0256% | 1,818 |
| Earnings coverage of net charge-offs (x) | -7.4953% | 6,873 |
| Efficiency ratio | 181.9553% | 241 |
| Assets per employee ($millions) | 4.6319% | 2,431 |
| Cash dividends to net income (ytd only)* | -2.4852% | 7,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3174% | 330 |
| Loan loss allowance to noncurrent loans | 41.0647% | 5,981 |
| Noncurrent assets plus other real estate owned to assets | 6.4916% | 430 |
| Noncurrent loans to loans | 8.0784% | 331 |
| Net loans and leases to total assets | 65.0880% | 5,041 |
| Net loans and leases to deposits | 71.9429% | 6,066 |
| Net loans and leases to core deposits | 123.6245% | 2,348 |
| Total domestic deposits to total assets | 90.4717% | 503 |
| Equity capital to assets | 2.1687% | 8,282 |
| Core capital (leverage) ratio | 2.4723% | 8,282 |
| Tier 1 risk-based capital ratio | 3.1810% | 8,284 |
| Total risk-based capital ratio | 4.4502% | 8,286 |
| Memoranda: | ||
| Average total assets | $1,182,955,800 | 568 |
| Average earning assets | $1,060,352,000 | 572 |
| Average equity | $84,397,800 | 792 |
| Average total loans | $789,618,000 | 603 |