Home > Home Valley Bank > Performance and Condition Ratios
Home Valley Bank, Performance and Condition Ratios
| 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 | 5.1495% | 4,197 |
| Cost of funding earning assets | 1.4081% | 3,825 |
| Net interest margin | 3.7413% | 4,176 |
| Noninterest income to average assets | 0.0892% | 7,133 |
| Noninterest expense to average assets | 2.6382% | 5,176 |
| Loan and lease loss provision to assets | 4.8562% | 115 |
| Net operating income to assets | -4.1637% | 7,637 |
| Return on assets (ROA) | -4.1637% | 7,644 |
| Pretax return on assets | -4.1637% | 7,624 |
| Return on Equity (ROE) | -111.7951% | 7,746 |
| Retained earnings to average equity (ytd only) | -111.7951% | 7,745 |
| Net charge-offs to loans | 2.3535% | 743 |
| Credit loss provision to net charge-offs | 255.9301% | 1,492 |
| Earnings coverage of net charge-offs (x) | 0.3650% | 5,371 |
| Efficiency ratio | 79.2082% | 2,543 |
| Assets per employee ($millions) | 4.2456% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7141% | 120 |
| Loan loss allowance to noncurrent loans | 49.3803% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 14.4218% | 162 |
| Noncurrent loans to loans | 11.5715% | 319 |
| Net loans and leases to total assets | 76.1110% | 1,478 |
| Net loans and leases to deposits | 83.6418% | 2,941 |
| Net loans and leases to core deposits | 89.0642% | 3,402 |
| Total domestic deposits to total assets | 90.9964% | 482 |
| Equity capital to assets | 3.1754% | 7,745 |
| Core capital (leverage) ratio | 3.1258% | 7,734 |
| Tier 1 risk-based capital ratio | 3.9133% | 7,747 |
| Total risk-based capital ratio | 5.2202% | 7,748 |
| Memoranda: | ||
| Average total assets | $253,283,000 | 2,570 |
| Average earning assets | $219,440,670 | 2,693 |
| Average equity | $9,433,330 | 5,362 |
| Average total loans | $204,209,670 | 2,177 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1973% | 4,034 |
| Cost of funding earning assets | 1.4472% | 3,897 |
| Net interest margin | 3.7501% | 4,010 |
| Noninterest income to average assets | 0.0408% | 7,509 |
| Noninterest expense to average assets | 2.6056% | 5,337 |
| Loan and lease loss provision to assets | 9.5963% | 33 |
| Net operating income to assets | -8.8707% | 7,877 |
| Return on assets (ROA) | -8.8707% | 7,880 |
| Pretax return on assets | -8.8849% | 7,876 |
| Return on Equity (ROE) | -222.0780% | 7,890 |
| Retained earnings to average equity (ytd only) | -222.0780% | 7,889 |
| Net charge-offs to loans | 4.7112% | 262 |
| Credit loss provision to net charge-offs | 252.7927% | 1,529 |
| Earnings coverage of net charge-offs (x) | 0.1874% | 4,873 |
| Efficiency ratio | 78.5511% | 2,805 |
| Assets per employee ($millions) | 4.2686% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6425% | 122 |
| Loan loss allowance to noncurrent loans | 41.4235% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 13.7100% | 176 |
| Noncurrent loans to loans | 13.6214% | 224 |
| Net loans and leases to total assets | 76.3610% | 1,468 |
| Net loans and leases to deposits | 83.7468% | 2,980 |
| Net loans and leases to core deposits | 88.9267% | 3,508 |
| Total domestic deposits to total assets | 91.1807% | 474 |
| Equity capital to assets | 2.9244% | 7,853 |
| Core capital (leverage) ratio | 2.8878% | 7,848 |
| Tier 1 risk-based capital ratio | 3.7714% | 7,850 |
| Total risk-based capital ratio | 5.0791% | 7,850 |
| Memoranda: | ||
| Average total assets | $254,680,500 | 2,606 |
| Average earning assets | $222,498,500 | 2,705 |
| Average equity | $10,173,000 | 5,189 |
| Average total loans | $205,213,000 | 2,227 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5534% | 3,850 |
| Cost of funding earning assets | 2.3510% | 1,454 |
| Net interest margin | 3.2024% | 6,084 |
| Noninterest income to average assets | 0.4915% | 4,480 |
| Noninterest expense to average assets | 2.7027% | 5,376 |
| Loan and lease loss provision to assets | 2.4480% | 816 |
| Net operating income to assets | -1.8762% | 7,038 |
| Return on assets (ROA) | -1.8762% | 7,038 |
| Pretax return on assets | -1.7868% | 6,853 |
| Return on Equity (ROE) | -30.0114% | 7,402 |
| Retained earnings to average equity (ytd only) | -30.0114% | 7,384 |
| Net charge-offs to loans | 2.1442% | 1,129 |
| Credit loss provision to net charge-offs | 137.1549% | 3,592 |
| Earnings coverage of net charge-offs (x) | 0.3704% | 5,745 |
| Efficiency ratio | 80.3449% | 2,835 |
| Assets per employee ($millions) | 4.4399% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7785% | 419 |
| Loan loss allowance to noncurrent loans | 40.7463% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 10.3470% | 343 |
| Noncurrent loans to loans | 9.2733% | 472 |
| Net loans and leases to total assets | 77.2021% | 1,548 |
| Net loans and leases to deposits | 85.2952% | 3,029 |
| Net loans and leases to core deposits | 99.3032% | 4,079 |
| Total domestic deposits to total assets | 90.5116% | 739 |
| Equity capital to assets | 5.0409% | 7,788 |
| Core capital (leverage) ratio | 5.0982% | 7,756 |
| Tier 1 risk-based capital ratio | 6.4941% | 7,793 |
| Total risk-based capital ratio | 7.7771% | 7,793 |
| Memoranda: | ||
| Average total assets | $251,678,400 | 2,588 |
| Average earning assets | $225,733,600 | 2,641 |
| Average equity | $15,734,000 | 3,912 |
| Average total loans | $209,491,800 | 2,204 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6308% | 3,684 |
| Cost of funding earning assets | 2.4301% | 1,521 |
| Net interest margin | 3.2006% | 6,022 |
| Noninterest income to average assets | 0.5206% | 4,313 |
| Noninterest expense to average assets | 2.3009% | 6,703 |
| Loan and lease loss provision to assets | 3.2829% | 416 |
| Net operating income to assets | -2.6264% | 7,491 |
| Return on assets (ROA) | -2.6264% | 7,496 |
| Pretax return on assets | -2.1703% | 7,241 |
| Return on Equity (ROE) | -40.0179% | 7,749 |
| Retained earnings to average equity (ytd only) | -40.0179% | 7,745 |
| Net charge-offs to loans | 2.2022% | 877 |
| Credit loss provision to net charge-offs | 177.4482% | 2,602 |
| Earnings coverage of net charge-offs (x) | 0.6014% | 5,432 |
| Efficiency ratio | 67.4056% | 5,096 |
| Assets per employee ($millions) | 4.2358% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1844% | 260 |
| Loan loss allowance to noncurrent loans | 35.7180% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 11.0506% | 279 |
| Noncurrent loans to loans | 11.7150% | 288 |
| Net loans and leases to total assets | 80.8777% | 1,003 |
| Net loans and leases to deposits | 89.5245% | 2,670 |
| Net loans and leases to core deposits | 100.2480% | 4,344 |
| Total domestic deposits to total assets | 90.3414% | 649 |
| Equity capital to assets | 5.1378% | 7,939 |
| Core capital (leverage) ratio | 4.9481% | 7,925 |
| Tier 1 risk-based capital ratio | 6.4762% | 7,931 |
| Total risk-based capital ratio | 7.7658% | 7,932 |
| Memoranda: | ||
| Average total assets | $250,219,250 | 2,622 |
| Average earning assets | $226,157,250 | 2,658 |
| Average equity | $16,422,250 | 3,830 |
| Average total loans | $210,211,250 | 2,211 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7479% | 3,303 |
| Cost of funding earning assets | 2.4575% | 1,757 |
| Net interest margin | 3.2904% | 5,593 |
| Noninterest income to average assets | 0.5537% | 4,009 |
| Noninterest expense to average assets | 2.2723% | 6,845 |
| Loan and lease loss provision to assets | 1.5316% | 1,114 |
| Net operating income to assets | -0.1694% | 6,135 |
| Return on assets (ROA) | -0.1694% | 6,157 |
| Pretax return on assets | -0.2677% | 6,201 |
| Return on Equity (ROE) | -2.4069% | 6,285 |
| Retained earnings to average equity (ytd only) | -2.4069% | 5,840 |
| Net charge-offs to loans | 1.1411% | 1,597 |
| Credit loss provision to net charge-offs | 160.0167% | 2,868 |
| Earnings coverage of net charge-offs (x) | 1.3205% | 4,532 |
| Efficiency ratio | 64.2567% | 5,861 |
| Assets per employee ($millions) | 4.3194% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2511% | 467 |
| Loan loss allowance to noncurrent loans | 27.5087% | 6,665 |
| Noncurrent assets plus other real estate owned to assets | 9.7796% | 310 |
| Noncurrent loans to loans | 11.8184% | 236 |
| Net loans and leases to total assets | 80.0586% | 1,305 |
| Net loans and leases to deposits | 93.6088% | 2,154 |
| Net loans and leases to core deposits | 105.5794% | 3,886 |
| Total domestic deposits to total assets | 85.5246% | 3,007 |
| Equity capital to assets | 6.9034% | 7,658 |
| Core capital (leverage) ratio | 6.9686% | 7,562 |
| Tier 1 risk-based capital ratio | 8.7364% | 7,804 |
| Total risk-based capital ratio | 10.0132% | 7,845 |
| Memoranda: | ||
| Average total assets | $250,321,330 | 2,633 |
| Average earning assets | $226,900,670 | 2,669 |
| Average equity | $17,616,330 | 3,597 |
| Average total loans | $209,964,670 | 2,243 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0227% | 2,270 |
| Cost of funding earning assets | 2.6760% | 1,329 |
| Net interest margin | 3.3467% | 5,338 |
| Noninterest income to average assets | 0.5644% | 3,800 |
| Noninterest expense to average assets | 2.2043% | 6,857 |
| Loan and lease loss provision to assets | 2.5268% | 457 |
| Net operating income to assets | -0.6498% | 7,008 |
| Return on assets (ROA) | -0.6498% | 7,046 |
| Pretax return on assets | -1.1336% | 7,217 |
| Return on Equity (ROE) | -9.1445% | 7,310 |
| Retained earnings to average equity (ytd only) | -9.1445% | 7,028 |
| Net charge-offs to loans | 2.1002% | 690 |
| Credit loss provision to net charge-offs | 142.4545% | 2,877 |
| Earnings coverage of net charge-offs (x) | 0.7855% | 4,398 |
| Efficiency ratio | 61.2730% | 6,204 |
| Assets per employee ($millions) | 4.3203% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1286% | 434 |
| Loan loss allowance to noncurrent loans | 35.6103% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 7.2767% | 448 |
| Noncurrent loans to loans | 8.7856% | 378 |
| Net loans and leases to total assets | 80.2338% | 1,335 |
| Net loans and leases to deposits | 93.7845% | 2,307 |
| Net loans and leases to core deposits | 106.0252% | 3,910 |
| Total domestic deposits to total assets | 85.5513% | 2,944 |
| Equity capital to assets | 6.8444% | 7,752 |
| Core capital (leverage) ratio | 6.8759% | 7,711 |
| Tier 1 risk-based capital ratio | 8.6925% | 7,908 |
| Total risk-based capital ratio | 9.9677% | 7,964 |
| Memoranda: | ||
| Average total assets | $248,058,500 | 2,674 |
| Average earning assets | $224,816,500 | 2,707 |
| Average equity | $17,628,000 | 3,619 |
| Average total loans | $209,505,500 | 2,274 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4951% | 2,978 |
| Cost of funding earning assets | 2.8567% | 2,457 |
| Net interest margin | 3.6384% | 4,727 |
| Noninterest income to average assets | 0.7220% | 2,969 |
| Noninterest expense to average assets | 2.4592% | 6,171 |
| Loan and lease loss provision to assets | 3.0025% | 306 |
| Net operating income to assets | -0.8963% | 7,183 |
| Return on assets (ROA) | -0.8963% | 7,105 |
| Pretax return on assets | -1.4161% | 7,220 |
| Return on Equity (ROE) | -10.9314% | 7,339 |
| Retained earnings to average equity (ytd only) | -11.3641% | 7,193 |
| Net charge-offs to loans | 0.9173% | 1,351 |
| Credit loss provision to net charge-offs | 381.4085% | 1,154 |
| Earnings coverage of net charge-offs (x) | 2.0152% | 5,065 |
| Efficiency ratio | 60.7871% | 6,203 |
| Assets per employee ($millions) | 3.9545% | 3,611 |
| Cash dividends to net income (ytd only)* | -3.9584% | 7,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9525% | 456 |
| Loan loss allowance to noncurrent loans | 118.2887% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 2.1511% | 2,281 |
| Noncurrent loans to loans | 2.4960% | 2,182 |
| Net loans and leases to total assets | 83.6391% | 946 |
| Net loans and leases to deposits | 104.5276% | 1,287 |
| Net loans and leases to core deposits | 121.1748% | 2,592 |
| Total domestic deposits to total assets | 80.0163% | 5,016 |
| Equity capital to assets | 7.3832% | 7,480 |
| Core capital (leverage) ratio | 7.5354% | 7,159 |
| Tier 1 risk-based capital ratio | 9.0626% | 7,745 |
| Total risk-based capital ratio | 10.3358% | 7,694 |
| Memoranda: | ||
| Average total assets | $225,477,000 | 2,825 |
| Average earning assets | $205,971,200 | 2,822 |
| Average equity | $18,488,000 | 3,478 |
| Average total loans | $193,510,600 | 2,361 |