Home > Bank of Mountain View > Performance and Condition Ratios
Bank of Mountain View, Performance and Condition Ratios
| 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 | 6.1203% | 4,936 |
| Cost of funding earning assets | 2.9605% | 2,024 |
| Net interest margin | 3.1597% | 6,494 |
| Noninterest income to average assets | 0.3527% | 5,908 |
| Noninterest expense to average assets | 2.0160% | 7,411 |
| Loan and lease loss provision to assets | 0.2617% | 4,312 |
| Net operating income to assets | 0.6987% | 3,895 |
| Return on assets (ROA) | 0.6987% | 3,732 |
| Pretax return on assets | 0.7489% | 4,250 |
| Return on Equity (ROE) | 4.3694% | 4,648 |
| Retained earnings to average equity (ytd only) | 1.8985% | 4,048 |
| Net charge-offs to loans | 0.4274% | 2,681 |
| Credit loss provision to net charge-offs | 119.6217% | 4,495 |
| Earnings coverage of net charge-offs (x) | 4.6194% | 3,918 |
| Efficiency ratio | 61.2611% | 6,117 |
| Assets per employee ($millions) | 6.0276% | 1,120 |
| Cash dividends to net income (ytd only)* | 56.5507% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 3,292 |
| Loan loss allowance to noncurrent loans | 65.8382% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.2004% | 3,844 |
| Noncurrent loans to loans | 2.1028% | 2,628 |
| Net loans and leases to total assets | 51.4998% | 6,894 |
| Net loans and leases to deposits | 70.2201% | 6,248 |
| Net loans and leases to core deposits | 89.5872% | 5,838 |
| Total domestic deposits to total assets | 73.3406% | 6,765 |
| Equity capital to assets | 16.6416% | 819 |
| Core capital (leverage) ratio | 9.6537% | 3,822 |
| Tier 1 risk-based capital ratio | 14.9869% | 3,053 |
| Total risk-based capital ratio | 16.1946% | 2,986 |
| Memoranda: | ||
| Average total assets | $193,355,600 | 3,219 |
| Average earning assets | $163,620,600 | 3,421 |
| Average equity | $30,919,800 | 2,177 |
| Average total loans | $98,971,400 | 3,977 |