Home > First Vietnamese American Bank > Performance and Condition Ratios
First Vietnamese American Bank, 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 | 5.0879% | 4,383 |
| Cost of funding earning assets | 2.1810% | 401 |
| Net interest margin | 2.9070% | 6,995 |
| Noninterest income to average assets | 0.2680% | 5,977 |
| Noninterest expense to average assets | 6.5107% | 181 |
| Loan and lease loss provision to assets | 1.3629% | 993 |
| Net operating income to assets | -4.9819% | 7,642 |
| Return on assets (ROA) | -4.9819% | 7,654 |
| Pretax return on assets | -4.9794% | 7,639 |
| Return on Equity (ROE) | -165.2707% | 7,734 |
| Retained earnings to average equity (ytd only) | -165.2707% | 7,734 |
| Net charge-offs to loans | 4.9234% | 184 |
| Credit loss provision to net charge-offs | 39.6437% | 6,020 |
| Earnings coverage of net charge-offs (x) | -1.0520% | 6,448 |
| Efficiency ratio | 224.9559% | 57 |
| Assets per employee ($millions) | 3.2000% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8731% | 2,564 |
| Loan loss allowance to noncurrent loans | 15.0387% | 7,073 |
| Noncurrent assets plus other real estate owned to assets | 10.9542% | 333 |
| Noncurrent loans to loans | 12.4552% | 259 |
| Net loans and leases to total assets | 67.8854% | 3,247 |
| Net loans and leases to deposits | 69.3121% | 5,233 |
| Net loans and leases to core deposits | 83.2907% | 4,053 |
| Total domestic deposits to total assets | 97.9417% | 8 |
| Equity capital to assets | 1.2729% | 7,738 |
| Core capital (leverage) ratio | 1.1517% | 7,732 |
| Tier 1 risk-based capital ratio | 1.5689% | 7,736 |
| Total risk-based capital ratio | 2.8257% | 7,736 |
| Memoranda: | ||
| Average total assets | $52,241,000 | 6,527 |
| Average earning assets | $47,195,250 | 6,550 |
| Average equity | $1,574,750 | 7,673 |
| Average total loans | $36,478,000 | 6,178 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 7,002 |
| Cost of funding earning assets | 2.2324% | 420 |
| Net interest margin | 2.0950% | 7,622 |
| Noninterest income to average assets | 0.3839% | 5,048 |
| Noninterest expense to average assets | 5.9342% | 229 |
| Loan and lease loss provision to assets | 0.4659% | 2,987 |
| Net operating income to assets | -4.1450% | 7,636 |
| Return on assets (ROA) | -4.1450% | 7,643 |
| Pretax return on assets | -4.1413% | 7,623 |
| Return on Equity (ROE) | -117.2996% | 7,755 |
| Retained earnings to average equity (ytd only) | -117.2996% | 7,755 |
| Net charge-offs to loans | 2.2519% | 794 |
| Credit loss provision to net charge-offs | 29.5508% | 5,739 |
| Earnings coverage of net charge-offs (x) | -2.3310% | 6,229 |
| Efficiency ratio | 262.7063% | 54 |
| Assets per employee ($millions) | 3.4585% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1977% | 705 |
| Loan loss allowance to noncurrent loans | 19.3697% | 6,977 |
| Noncurrent assets plus other real estate owned to assets | 13.3412% | 206 |
| Noncurrent loans to loans | 16.5087% | 137 |
| Net loans and leases to total assets | 66.3492% | 3,761 |
| Net loans and leases to deposits | 68.8111% | 5,439 |
| Net loans and leases to core deposits | 82.8101% | 4,310 |
| Total domestic deposits to total assets | 96.4223% | 19 |
| Equity capital to assets | 2.8221% | 7,763 |
| Core capital (leverage) ratio | 2.8326% | 7,748 |
| Tier 1 risk-based capital ratio | 3.5322% | 7,759 |
| Total risk-based capital ratio | 4.8007% | 7,760 |
| Memoranda: | ||
| Average total assets | $53,654,670 | 6,531 |
| Average earning assets | $48,019,000 | 6,548 |
| Average equity | $1,896,000 | 7,682 |
| Average total loans | $37,568,330 | 6,160 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 6,477 |
| Cost of funding earning assets | 2.3598% | 348 |
| Net interest margin | 2.2677% | 7,614 |
| Noninterest income to average assets | 0.1687% | 6,761 |
| Noninterest expense to average assets | 6.3802% | 180 |
| Loan and lease loss provision to assets | 0.9167% | 1,389 |
| Net operating income to assets | -5.1409% | 7,791 |
| Return on assets (ROA) | -5.1409% | 7,796 |
| Pretax return on assets | -5.1409% | 7,773 |
| Return on Equity (ROE) | -132.7652% | 7,859 |
| Retained earnings to average equity (ytd only) | -132.7652% | 7,856 |
| Net charge-offs to loans | 1.3169% | 1,300 |
| Credit loss provision to net charge-offs | 98.4252% | 3,483 |
| Earnings coverage of net charge-offs (x) | -4.5354% | 5,530 |
| Efficiency ratio | 295.9184% | 43 |
| Assets per employee ($millions) | 3.4677% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0419% | 364 |
| Loan loss allowance to noncurrent loans | 24.9434% | 6,745 |
| Noncurrent assets plus other real estate owned to assets | 15.4398% | 125 |
| Noncurrent loans to loans | 16.2041% | 144 |
| Net loans and leases to total assets | 65.4061% | 4,021 |
| Net loans and leases to deposits | 68.2933% | 5,556 |
| Net loans and leases to core deposits | 84.2772% | 4,165 |
| Total domestic deposits to total assets | 95.7724% | 36 |
| Equity capital to assets | 3.4490% | 7,831 |
| Core capital (leverage) ratio | 3.3194% | 7,827 |
| Tier 1 risk-based capital ratio | 4.6673% | 7,820 |
| Total risk-based capital ratio | 5.9465% | 7,820 |
| Memoranda: | ||
| Average total assets | $54,543,500 | 6,587 |
| Average earning assets | $47,801,500 | 6,635 |
| Average equity | $2,112,000 | 7,726 |
| Average total loans | $38,574,000 | 6,188 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2987% | 5,179 |
| Cost of funding earning assets | 3.1881% | 133 |
| Net interest margin | 2.1106% | 7,697 |
| Noninterest income to average assets | 1.1514% | 1,161 |
| Noninterest expense to average assets | 6.7867% | 221 |
| Loan and lease loss provision to assets | 1.1634% | 1,968 |
| Net operating income to assets | -4.9243% | 7,739 |
| Return on assets (ROA) | -4.9260% | 7,734 |
| Pretax return on assets | -4.9243% | 7,693 |
| Return on Equity (ROE) | -74.4048% | 7,837 |
| Retained earnings to average equity (ytd only) | -74.4048% | 7,832 |
| Net charge-offs to loans | 0.6159% | 3,367 |
| Credit loss provision to net charge-offs | 240.7801% | 1,488 |
| Earnings coverage of net charge-offs (x) | -7.7801% | 7,147 |
| Efficiency ratio | 224.1653% | 110 |
| Assets per employee ($millions) | 3.5670% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4417% | 552 |
| Loan loss allowance to noncurrent loans | 16.8388% | 7,194 |
| Noncurrent assets plus other real estate owned to assets | 14.9320% | 140 |
| Noncurrent loans to loans | 20.4394% | 67 |
| Net loans and leases to total assets | 70.5407% | 3,116 |
| Net loans and leases to deposits | 74.5744% | 4,942 |
| Net loans and leases to core deposits | 161.7347% | 320 |
| Total domestic deposits to total assets | 94.5910% | 61 |
| Equity capital to assets | 4.2578% | 7,841 |
| Core capital (leverage) ratio | 4.3716% | 7,818 |
| Tier 1 risk-based capital ratio | 5.7156% | 7,831 |
| Total risk-based capital ratio | 6.9905% | 7,835 |
| Memoranda: | ||
| Average total assets | $58,363,800 | 6,419 |
| Average earning assets | $51,880,200 | 6,467 |
| Average equity | $3,864,000 | 7,338 |
| Average total loans | $45,783,600 | 5,844 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4311% | 4,787 |
| Cost of funding earning assets | 3.2663% | 156 |
| Net interest margin | 2.1648% | 7,728 |
| Noninterest income to average assets | 0.9656% | 1,720 |
| Noninterest expense to average assets | 6.3522% | 267 |
| Loan and lease loss provision to assets | 1.5381% | 1,236 |
| Net operating income to assets | -4.9823% | 7,839 |
| Return on assets (ROA) | -4.9845% | 7,838 |
| Pretax return on assets | -4.9845% | 7,807 |
| Return on Equity (ROE) | -69.2779% | 7,930 |
| Retained earnings to average equity (ytd only) | -69.2779% | 7,927 |
| Net charge-offs to loans | 0.7463% | 2,498 |
| Credit loss provision to net charge-offs | 258.3969% | 1,654 |
| Earnings coverage of net charge-offs (x) | -5.7863% | 6,866 |
| Efficiency ratio | 218.4375% | 117 |
| Assets per employee ($millions) | 3.8346% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2592% | 524 |
| Loan loss allowance to noncurrent loans | 20.9172% | 7,045 |
| Noncurrent assets plus other real estate owned to assets | 10.6707% | 298 |
| Noncurrent loans to loans | 15.5814% | 133 |
| Net loans and leases to total assets | 66.2515% | 4,375 |
| Net loans and leases to deposits | 70.1559% | 5,896 |
| Net loans and leases to core deposits | 154.3145% | 488 |
| Total domestic deposits to total assets | 94.4346% | 43 |
| Equity capital to assets | 4.7908% | 7,965 |
| Core capital (leverage) ratio | 5.1152% | 7,914 |
| Tier 1 risk-based capital ratio | 7.1282% | 7,881 |
| Total risk-based capital ratio | 8.4244% | 7,881 |
| Memoranda: | ||
| Average total assets | $58,686,750 | 6,440 |
| Average earning assets | $52,658,250 | 6,469 |
| Average equity | $4,222,500 | 7,273 |
| Average total loans | $46,806,000 | 5,857 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5713% | 4,209 |
| Cost of funding earning assets | 3.3075% | 201 |
| Net interest margin | 2.2638% | 7,700 |
| Noninterest income to average assets | 0.7360% | 2,786 |
| Noninterest expense to average assets | 6.7552% | 242 |
| Loan and lease loss provision to assets | 1.3305% | 1,300 |
| Net operating income to assets | -5.2159% | 7,952 |
| Return on assets (ROA) | -5.2194% | 7,945 |
| Pretax return on assets | -5.2194% | 7,889 |
| Return on Equity (ROE) | -64.2842% | 8,000 |
| Retained earnings to average equity (ytd only) | -64.2842% | 7,995 |
| Net charge-offs to loans | 1.1025% | 1,643 |
| Credit loss provision to net charge-offs | 143.5115% | 3,234 |
| Earnings coverage of net charge-offs (x) | -4.1908% | 6,442 |
| Efficiency ratio | 235.3884% | 137 |
| Assets per employee ($millions) | 3.0415% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3862% | 1,011 |
| Loan loss allowance to noncurrent loans | 51.7149% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 3.8848% | 1,551 |
| Noncurrent loans to loans | 4.6142% | 1,382 |
| Net loans and leases to total assets | 82.1835% | 928 |
| Net loans and leases to deposits | 88.6560% | 3,064 |
| Net loans and leases to core deposits | 153.9481% | 561 |
| Total domestic deposits to total assets | 92.6993% | 120 |
| Equity capital to assets | 6.2867% | 7,871 |
| Core capital (leverage) ratio | 6.5117% | 7,791 |
| Tier 1 risk-based capital ratio | 8.0675% | 7,907 |
| Total risk-based capital ratio | 9.2666% | 7,931 |
| Memoranda: | ||
| Average total assets | $56,519,670 | 6,572 |
| Average earning assets | $53,273,330 | 6,503 |
| Average equity | $4,589,000 | 7,208 |
| Average total loans | $47,527,000 | 5,864 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1867% | 6,345 |
| Cost of funding earning assets | 3.3144% | 260 |
| Net interest margin | 1.8724% | 7,953 |
| Noninterest income to average assets | 0.2505% | 6,451 |
| Noninterest expense to average assets | 6.4060% | 251 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -4.3804% | 8,007 |
| Return on assets (ROA) | -4.3804% | 8,001 |
| Pretax return on assets | -4.3804% | 7,941 |
| Return on Equity (ROE) | -48.3126% | 8,038 |
| Retained earnings to average equity (ytd only) | -48.3126% | 8,022 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 316.2544% | 75 |
| Assets per employee ($millions) | 3.0841% | 5,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1454% | 1,154 |
| Loan loss allowance to noncurrent loans | 48.2266% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 3.7049% | 1,429 |
| Noncurrent loans to loans | 4.4486% | 1,296 |
| Net loans and leases to total assets | 81.4960% | 1,105 |
| Net loans and leases to deposits | 89.7077% | 2,972 |
| Net loans and leases to core deposits | 153.7805% | 605 |
| Total domestic deposits to total assets | 90.8461% | 464 |
| Equity capital to assets | 8.1351% | 6,619 |
| Core capital (leverage) ratio | 8.3846% | 5,741 |
| Tier 1 risk-based capital ratio | 9.5921% | 7,350 |
| Total risk-based capital ratio | 10.8538% | 7,274 |
| Memoranda: | ||
| Average total assets | $55,885,000 | 6,637 |
| Average earning assets | $52,981,500 | 6,542 |
| Average equity | $5,067,000 | 7,088 |
| Average total loans | $46,963,500 | 5,918 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6344% | 2,316 |
| Cost of funding earning assets | 3.6108% | 376 |
| Net interest margin | 3.0237% | 6,849 |
| Noninterest income to average assets | 0.3779% | 5,665 |
| Noninterest expense to average assets | 7.4324% | 263 |
| Loan and lease loss provision to assets | 2.4003% | 446 |
| Net operating income to assets | -6.6168% | 8,180 |
| Return on assets (ROA) | -6.6091% | 8,175 |
| Pretax return on assets | -6.6072% | 8,139 |
| Return on Equity (ROE) | -45.2410% | 8,122 |
| Retained earnings to average equity (ytd only) | -45.2410% | 8,094 |
| Net charge-offs to loans | 1.8196% | 602 |
| Credit loss provision to net charge-offs | 164.9007% | 3,123 |
| Earnings coverage of net charge-offs (x) | -2.8954% | 6,760 |
| Efficiency ratio | 230.9766% | 161 |
| Assets per employee ($millions) | 2.5320% | 7,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3202% | 832 |
| Loan loss allowance to noncurrent loans | 51.7804% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 3.8028% | 1,122 |
| Noncurrent loans to loans | 4.4809% | 1,066 |
| Net loans and leases to total assets | 82.8970% | 1,061 |
| Net loans and leases to deposits | 93.5025% | 2,854 |
| Net loans and leases to core deposits | 161.5703% | 545 |
| Total domestic deposits to total assets | 88.6576% | 1,177 |
| Equity capital to assets | 10.0937% | 3,925 |
| Core capital (leverage) ratio | 9.6831% | 3,785 |
| Tier 1 risk-based capital ratio | 10.9560% | 5,761 |
| Total risk-based capital ratio | 12.2194% | 5,661 |
| Memoranda: | ||
| Average total assets | $51,867,600 | 6,699 |
| Average earning assets | $48,715,600 | 6,647 |
| Average equity | $7,577,200 | 6,246 |
| Average total loans | $41,491,800 | 6,099 |