Home > Exchange Bank of Fairfax > Performance and Condition Ratios
Exchange Bank of Fairfax, Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0760% | 7,616 |
| Cost of funding earning assets | 0.5261% | 7,407 |
| Net interest margin | 2.5498% | 7,345 |
| Noninterest income to average assets | 0.1703% | 6,664 |
| Noninterest expense to average assets | 1.7844% | 7,346 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6456% | 3,669 |
| Return on assets (ROA) | 0.6456% | 3,837 |
| Pretax return on assets | 0.6456% | 4,439 |
| Return on Equity (ROE) | 4.0013% | 4,776 |
| Retained earnings to average equity (ytd only) | -0.2222% | 5,831 |
| Net charge-offs to loans | -0.4460% | 7,676 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4317% | 3,428 |
| Assets per employee ($millions) | 3.8583% | 4,122 |
| Cash dividends to net income (ytd only)* | 105.5521% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7451% | 1,042 |
| Loan loss allowance to noncurrent loans | 455.0000% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 7,033 |
| Noncurrent loans to loans | 0.6033% | 6,003 |
| Net loans and leases to total assets | 20.8903% | 7,613 |
| Net loans and leases to deposits | 24.8996% | 7,627 |
| Net loans and leases to core deposits | 24.8996% | 7,628 |
| Total domestic deposits to total assets | 83.8981% | 4,184 |
| Equity capital to assets | 15.4993% | 771 |
| Core capital (leverage) ratio | 15.7784% | 595 |
| Tier 1 risk-based capital ratio | 36.0458% | 321 |
| Total risk-based capital ratio | 37.2966% | 317 |
| Memoranda: | ||
| Average total assets | $14,869,500 | 7,670 |
| Average earning assets | $13,177,000 | 7,660 |
| Average equity | $2,399,250 | 7,516 |
| Average total loans | $3,289,000 | 7,689 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0622% | 7,706 |
| Cost of funding earning assets | 0.5258% | 7,509 |
| Net interest margin | 2.5363% | 7,396 |
| Noninterest income to average assets | 0.1771% | 6,638 |
| Noninterest expense to average assets | 1.6211% | 7,554 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7901% | 3,011 |
| Return on assets (ROA) | 0.7901% | 3,160 |
| Pretax return on assets | 0.7901% | 3,916 |
| Return on Equity (ROE) | 4.8300% | 4,370 |
| Retained earnings to average equity (ytd only) | -1.0826% | 5,983 |
| Net charge-offs to loans | -0.4878% | 7,728 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2316% | 4,720 |
| Assets per employee ($millions) | 3.6823% | 4,517 |
| Cash dividends to net income (ytd only)* | 122.4138% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6683% | 1,122 |
| Loan loss allowance to noncurrent loans | 488.8889% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 7,088 |
| Noncurrent loans to loans | 0.5458% | 6,160 |
| Net loans and leases to total assets | 21.7937% | 7,667 |
| Net loans and leases to deposits | 26.1678% | 7,687 |
| Net loans and leases to core deposits | 26.1678% | 7,690 |
| Total domestic deposits to total assets | 83.2847% | 4,444 |
| Equity capital to assets | 16.1790% | 642 |
| Core capital (leverage) ratio | 15.9783% | 570 |
| Tier 1 risk-based capital ratio | 38.7354% | 273 |
| Total risk-based capital ratio | 39.9870% | 269 |
| Memoranda: | ||
| Average total assets | $14,681,670 | 7,737 |
| Average earning assets | $12,932,000 | 7,730 |
| Average equity | $2,401,670 | 7,571 |
| Average total loans | $3,280,330 | 7,756 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1516% | 7,784 |
| Cost of funding earning assets | 0.5617% | 7,590 |
| Net interest margin | 2.5899% | 7,399 |
| Noninterest income to average assets | 0.1637% | 6,801 |
| Noninterest expense to average assets | 1.6100% | 7,652 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8187% | 2,886 |
| Return on assets (ROA) | 0.8187% | 2,977 |
| Pretax return on assets | 0.8187% | 3,793 |
| Return on Equity (ROE) | 4.9772% | 4,378 |
| Retained earnings to average equity (ytd only) | 4.9772% | 3,167 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2921% | 5,053 |
| Assets per employee ($millions) | 3.6468% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6464% | 1,130 |
| Loan loss allowance to noncurrent loans | 444.4444% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 7,172 |
| Noncurrent loans to loans | 0.5954% | 6,120 |
| Net loans and leases to total assets | 20.1755% | 7,781 |
| Net loans and leases to deposits | 24.2762% | 7,800 |
| Net loans and leases to core deposits | 24.2762% | 7,800 |
| Total domestic deposits to total assets | 83.1082% | 4,568 |
| Equity capital to assets | 16.6312% | 578 |
| Core capital (leverage) ratio | 15.9616% | 590 |
| Tier 1 risk-based capital ratio | 39.8358% | 256 |
| Total risk-based capital ratio | 41.0837% | 248 |
| Memoranda: | ||
| Average total assets | $14,658,000 | 7,840 |
| Average earning assets | $12,819,000 | 7,835 |
| Average equity | $2,411,000 | 7,661 |
| Average total loans | $3,271,500 | 7,857 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 7,642 |
| Cost of funding earning assets | 0.5303% | 7,817 |
| Net interest margin | 3.5907% | 4,582 |
| Noninterest income to average assets | 0.2359% | 6,415 |
| Noninterest expense to average assets | 2.1160% | 7,153 |
| Loan and lease loss provision to assets | 1.9206% | 1,153 |
| Net operating income to assets | -0.4043% | 6,082 |
| Return on assets (ROA) | -0.4043% | 6,075 |
| Pretax return on assets | -0.6065% | 6,103 |
| Return on Equity (ROE) | -2.3146% | 5,898 |
| Retained earnings to average equity (ytd only) | -10.0301% | 6,520 |
| Net charge-offs to loans | 10.7776% | 28 |
| Credit loss provision to net charge-offs | 69.5122% | 6,497 |
| Earnings coverage of net charge-offs (x) | 0.4756% | 5,633 |
| Efficiency ratio | 61.6896% | 6,205 |
| Assets per employee ($millions) | 2.9458% | 6,355 |
| Cash dividends to net income (ytd only)* | -333.3333% | 7,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2727% | 1,527 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 6,953 |
| Noncurrent loans to loans | 0.8523% | 5,588 |
| Net loans and leases to total assets | 23.3553% | 7,821 |
| Net loans and leases to deposits | 28.0176% | 7,836 |
| Net loans and leases to core deposits | 29.0442% | 7,870 |
| Total domestic deposits to total assets | 83.3594% | 4,352 |
| Equity capital to assets | 16.2672% | 661 |
| Core capital (leverage) ratio | 16.2023% | 587 |
| Tier 1 risk-based capital ratio | 41.0485% | 233 |
| Total risk-based capital ratio | 42.2820% | 228 |
| Memoranda: | ||
| Average total assets | $14,839,000 | 7,899 |
| Average earning assets | $13,200,600 | 7,893 |
| Average equity | $2,592,200 | 7,709 |
| Average total loans | $3,804,200 | 7,926 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3012% | 7,674 |
| Cost of funding earning assets | 0.5402% | 7,920 |
| Net interest margin | 3.7611% | 3,812 |
| Noninterest income to average assets | 0.2511% | 6,437 |
| Noninterest expense to average assets | 2.3318% | 6,620 |
| Loan and lease loss provision to assets | 2.5560% | 645 |
| Net operating income to assets | -1.4798% | 7,098 |
| Return on assets (ROA) | -1.4798% | 7,096 |
| Pretax return on assets | -1.2645% | 6,848 |
| Return on Equity (ROE) | -8.3290% | 6,760 |
| Retained earnings to average equity (ytd only) | -8.3290% | 6,639 |
| Net charge-offs to loans | 14.1062% | 20 |
| Credit loss provision to net charge-offs | 69.5122% | 5,991 |
| Earnings coverage of net charge-offs (x) | 0.3512% | 5,670 |
| Efficiency ratio | 64.3564% | 5,679 |
| Assets per employee ($millions) | 2.8572% | 6,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1686% | 1,475 |
| Loan loss allowance to noncurrent loans | 266.6667% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 6,995 |
| Noncurrent loans to loans | 0.8132% | 5,672 |
| Net loans and leases to total assets | 25.2625% | 7,880 |
| Net loans and leases to deposits | 30.8778% | 7,899 |
| Net loans and leases to core deposits | 32.0657% | 7,939 |
| Total domestic deposits to total assets | 81.8144% | 4,759 |
| Equity capital to assets | 17.4367% | 569 |
| Core capital (leverage) ratio | 16.3366% | 632 |
| Tier 1 risk-based capital ratio | 41.4752% | 261 |
| Total risk-based capital ratio | 42.7239% | 253 |
| Memoranda: | ||
| Average total assets | $14,866,500 | 7,978 |
| Average earning assets | $13,329,250 | 7,972 |
| Average equity | $2,641,250 | 7,766 |
| Average total loans | $3,875,250 | 8,000 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2907% | 7,782 |
| Cost of funding earning assets | 0.5178% | 8,034 |
| Net interest margin | 3.7728% | 3,660 |
| Noninterest income to average assets | 0.1992% | 6,864 |
| Noninterest expense to average assets | 2.3373% | 6,653 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9296% | 2,345 |
| Return on assets (ROA) | 0.9296% | 2,435 |
| Pretax return on assets | 1.2483% | 2,168 |
| Return on Equity (ROE) | 5.2019% | 3,987 |
| Retained earnings to average equity (ytd only) | 5.2019% | 2,394 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1852% | 5,678 |
| Assets per employee ($millions) | 2.5802% | 7,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1598% | 114 |
| Loan loss allowance to noncurrent loans | 45.8613% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 2.8874% | 2,217 |
| Noncurrent loans to loans | 11.2509% | 261 |
| Net loans and leases to total assets | 24.3395% | 7,991 |
| Net loans and leases to deposits | 29.6880% | 7,998 |
| Net loans and leases to core deposits | 30.7366% | 8,029 |
| Total domestic deposits to total assets | 81.9844% | 4,701 |
| Equity capital to assets | 17.6087% | 593 |
| Core capital (leverage) ratio | 17.5396% | 556 |
| Tier 1 risk-based capital ratio | 44.6812% | 223 |
| Total risk-based capital ratio | 45.9597% | 225 |
| Memoranda: | ||
| Average total assets | $15,060,000 | 8,062 |
| Average earning assets | $13,517,670 | 8,055 |
| Average equity | $2,691,330 | 7,821 |
| Average total loans | $3,937,330 | 8,089 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4260% | 7,777 |
| Cost of funding earning assets | 0.5420% | 8,082 |
| Net interest margin | 3.8841% | 3,115 |
| Noninterest income to average assets | 0.1886% | 6,942 |
| Noninterest expense to average assets | 2.3705% | 6,293 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9697% | 2,439 |
| Return on assets (ROA) | 0.9697% | 2,564 |
| Pretax return on assets | 1.2930% | 2,305 |
| Return on Equity (ROE) | 5.3852% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.3852% | 2,917 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7059% | 5,562 |
| Assets per employee ($millions) | 2.5063% | 7,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6521% | 75 |
| Loan loss allowance to noncurrent loans | 585.7143% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 6,828 |
| Noncurrent loans to loans | 0.9650% | 5,063 |
| Net loans and leases to total assets | 22.7557% | 8,055 |
| Net loans and leases to deposits | 27.8211% | 8,063 |
| Net loans and leases to core deposits | 28.8338% | 8,095 |
| Total domestic deposits to total assets | 81.7928% | 4,638 |
| Equity capital to assets | 17.9013% | 617 |
| Core capital (leverage) ratio | 17.6722% | 589 |
| Tier 1 risk-based capital ratio | 45.4499% | 245 |
| Total risk-based capital ratio | 46.7331% | 247 |
| Memoranda: | ||
| Average total assets | $14,849,500 | 8,122 |
| Average earning assets | $13,285,000 | 8,110 |
| Average equity | $2,674,000 | 7,874 |
| Average total loans | $3,919,500 | 8,141 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6897% | 6,807 |
| Cost of funding earning assets | 1.0274% | 8,041 |
| Net interest margin | 4.6623% | 1,038 |
| Noninterest income to average assets | 0.2144% | 6,900 |
| Noninterest expense to average assets | 2.9879% | 4,119 |
| Loan and lease loss provision to assets | 0.6029% | 2,412 |
| Net operating income to assets | 0.6699% | 4,025 |
| Return on assets (ROA) | 0.6699% | 3,869 |
| Pretax return on assets | 1.0317% | 3,265 |
| Return on Equity (ROE) | 3.6348% | 4,980 |
| Retained earnings to average equity (ytd only) | -5.2704% | 6,553 |
| Net charge-offs to loans | 5.6855% | 69 |
| Credit loss provision to net charge-offs | 34.2205% | 6,494 |
| Earnings coverage of net charge-offs (x) | 0.9278% | 5,669 |
| Efficiency ratio | 64.6377% | 5,412 |
| Assets per employee ($millions) | 2.4435% | 7,314 |
| Cash dividends to net income (ytd only)* | 245.0000% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8670% | 104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 27.3310% | 8,049 |
| Net loans and leases to deposits | 33.4865% | 8,068 |
| Net loans and leases to core deposits | 35.0446% | 8,113 |
| Total domestic deposits to total assets | 81.6179% | 4,362 |
| Equity capital to assets | 18.1161% | 634 |
| Core capital (leverage) ratio | 17.3742% | 661 |
| Tier 1 risk-based capital ratio | 43.6483% | 277 |
| Total risk-based capital ratio | 44.9302% | 276 |
| Memoranda: | ||
| Average total assets | $14,927,000 | 8,164 |
| Average earning assets | $14,113,200 | 8,133 |
| Average equity | $2,751,200 | 7,913 |
| Average total loans | $4,625,800 | 8,177 |