Home > Medina Valley State Bank > Performance and Condition Ratios
Medina Valley State Bank, Performance and Condition Ratios
| 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 | 4.0864% | 7,384 |
| Cost of funding earning assets | 0.8583% | 6,907 |
| Net interest margin | 3.2281% | 6,204 |
| Noninterest income to average assets | 1.2527% | 783 |
| Noninterest expense to average assets | 3.1117% | 3,218 |
| Loan and lease loss provision to assets | 0.2255% | 4,239 |
| Net operating income to assets | 0.8681% | 2,678 |
| Return on assets (ROA) | 0.9871% | 2,291 |
| Pretax return on assets | 1.0372% | 2,945 |
| Return on Equity (ROE) | 7.7077% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.7077% | 1,837 |
| Net charge-offs to loans | 0.6074% | 2,298 |
| Credit loss provision to net charge-offs | 155.1724% | 2,307 |
| Earnings coverage of net charge-offs (x) | 7.8276% | 2,031 |
| Efficiency ratio | 73.2311% | 3,715 |
| Assets per employee ($millions) | 3.5271% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6760% | 3,150 |
| Loan loss allowance to noncurrent loans | 31,200.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 7,333 |
| Noncurrent loans to loans | 0.0054% | 7,410 |
| Net loans and leases to total assets | 22.5633% | 7,752 |
| Net loans and leases to deposits | 26.2036% | 7,778 |
| Net loans and leases to core deposits | 27.7830% | 7,769 |
| Total domestic deposits to total assets | 86.1075% | 3,091 |
| Equity capital to assets | 12.7325% | 1,632 |
| Core capital (leverage) ratio | 12.1413% | 1,575 |
| Tier 1 risk-based capital ratio | 36.5511% | 322 |
| Total risk-based capital ratio | 37.7446% | 311 |
| Memoranda: | ||
| Average total assets | $79,828,000 | 5,774 |
| Average earning assets | $74,099,500 | 5,704 |
| Average equity | $10,223,500 | 5,170 |
| Average total loans | $19,099,000 | 7,209 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 7,309 |
| Cost of funding earning assets | 1.1312% | 6,877 |
| Net interest margin | 3.4455% | 5,191 |
| Noninterest income to average assets | 1.3238% | 857 |
| Noninterest expense to average assets | 3.5267% | 2,317 |
| Loan and lease loss provision to assets | 0.2307% | 5,523 |
| Net operating income to assets | 0.6675% | 3,072 |
| Return on assets (ROA) | 0.9855% | 1,940 |
| Pretax return on assets | 1.0470% | 2,427 |
| Return on Equity (ROE) | 7.6806% | 2,504 |
| Retained earnings to average equity (ytd only) | 3.1861% | 2,928 |
| Net charge-offs to loans | 0.9729% | 2,460 |
| Credit loss provision to net charge-offs | 92.7835% | 5,902 |
| Earnings coverage of net charge-offs (x) | 3.7784% | 3,203 |
| Efficiency ratio | 78.9670% | 3,045 |
| Assets per employee ($millions) | 3.4145% | 5,226 |
| Cash dividends to net income (ytd only)* | 58.5176% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5116% | 3,659 |
| Loan loss allowance to noncurrent loans | 9,866.6667% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0649% | 7,335 |
| Noncurrent loans to loans | 0.0153% | 7,398 |
| Net loans and leases to total assets | 24.5578% | 7,799 |
| Net loans and leases to deposits | 28.5380% | 7,828 |
| Net loans and leases to core deposits | 34.9923% | 7,825 |
| Total domestic deposits to total assets | 86.0530% | 2,989 |
| Equity capital to assets | 12.8838% | 1,555 |
| Core capital (leverage) ratio | 12.2207% | 1,570 |
| Tier 1 risk-based capital ratio | 34.2923% | 362 |
| Total risk-based capital ratio | 35.3778% | 357 |
| Memoranda: | ||
| Average total assets | $78,034,200 | 5,782 |
| Average earning assets | $71,166,000 | 5,775 |
| Average equity | $10,012,200 | 5,292 |
| Average total loans | $19,940,200 | 7,194 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 7,408 |
| Cost of funding earning assets | 1.1807% | 6,944 |
| Net interest margin | 3.4273% | 5,159 |
| Noninterest income to average assets | 1.2784% | 941 |
| Noninterest expense to average assets | 3.3885% | 2,616 |
| Loan and lease loss provision to assets | 0.2225% | 5,195 |
| Net operating income to assets | 0.7030% | 3,194 |
| Return on assets (ROA) | 1.0542% | 1,947 |
| Pretax return on assets | 1.1723% | 2,346 |
| Return on Equity (ROE) | 8.2248% | 2,546 |
| Retained earnings to average equity (ytd only) | 4.2192% | 2,915 |
| Net charge-offs to loans | 0.8920% | 2,180 |
| Credit loss provision to net charge-offs | 97.0149% | 5,266 |
| Earnings coverage of net charge-offs (x) | 4.3807% | 3,154 |
| Efficiency ratio | 77.1328% | 3,295 |
| Assets per employee ($millions) | 3.4233% | 5,112 |
| Cash dividends to net income (ytd only)* | 48.7015% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 3,227 |
| Loan loss allowance to noncurrent loans | 443.4783% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 7,329 |
| Noncurrent loans to loans | 0.3473% | 6,662 |
| Net loans and leases to total assets | 24.8454% | 7,886 |
| Net loans and leases to deposits | 29.1487% | 7,920 |
| Net loans and leases to core deposits | 36.4861% | 7,894 |
| Total domestic deposits to total assets | 85.2366% | 3,105 |
| Equity capital to assets | 13.2800% | 1,584 |
| Core capital (leverage) ratio | 12.3623% | 1,634 |
| Tier 1 risk-based capital ratio | 34.6414% | 392 |
| Total risk-based capital ratio | 35.7745% | 389 |
| Memoranda: | ||
| Average total assets | $77,909,500 | 5,826 |
| Average earning assets | $70,802,250 | 5,821 |
| Average equity | $9,985,750 | 5,339 |
| Average total loans | $20,029,750 | 7,250 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7288% | 7,351 |
| Cost of funding earning assets | 1.2329% | 7,011 |
| Net interest margin | 3.4960% | 4,815 |
| Noninterest income to average assets | 1.2417% | 998 |
| Noninterest expense to average assets | 3.3645% | 2,743 |
| Loan and lease loss provision to assets | 0.2061% | 4,993 |
| Net operating income to assets | 0.6932% | 3,287 |
| Return on assets (ROA) | 1.2082% | 1,539 |
| Pretax return on assets | 1.4401% | 1,624 |
| Return on Equity (ROE) | 9.5432% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.5432% | 803 |
| Net charge-offs to loans | 0.6174% | 2,489 |
| Credit loss provision to net charge-offs | 129.0323% | 3,605 |
| Earnings coverage of net charge-offs (x) | 6.4677% | 2,612 |
| Efficiency ratio | 76.5085% | 3,595 |
| Assets per employee ($millions) | 3.3596% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 2,517 |
| Loan loss allowance to noncurrent loans | 16,400.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 7,661 |
| Noncurrent loans to loans | 0.0101% | 7,538 |
| Net loans and leases to total assets | 25.2708% | 7,973 |
| Net loans and leases to deposits | 29.4046% | 8,002 |
| Net loans and leases to core deposits | 35.5942% | 7,985 |
| Total domestic deposits to total assets | 85.9417% | 2,825 |
| Equity capital to assets | 12.8793% | 1,750 |
| Core capital (leverage) ratio | 12.5193% | 1,620 |
| Tier 1 risk-based capital ratio | 35.5950% | 397 |
| Total risk-based capital ratio | 36.8217% | 397 |
| Memoranda: | ||
| Average total assets | $77,634,330 | 5,878 |
| Average earning assets | $70,081,000 | 5,881 |
| Average equity | $9,829,000 | 5,413 |
| Average total loans | $20,083,670 | 7,318 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8623% | 7,258 |
| Cost of funding earning assets | 1.3040% | 7,002 |
| Net interest margin | 3.5584% | 4,491 |
| Noninterest income to average assets | 1.1823% | 1,048 |
| Noninterest expense to average assets | 3.3823% | 2,408 |
| Loan and lease loss provision to assets | 0.1542% | 4,962 |
| Net operating income to assets | 0.6966% | 3,576 |
| Return on assets (ROA) | 1.1617% | 1,885 |
| Pretax return on assets | 1.3365% | 2,163 |
| Return on Equity (ROE) | 9.2552% | 2,623 |
| Retained earnings to average equity (ytd only) | 9.2552% | 1,410 |
| Net charge-offs to loans | 0.5347% | 2,114 |
| Credit loss provision to net charge-offs | 111.1111% | 3,469 |
| Earnings coverage of net charge-offs (x) | 6.8889% | 2,423 |
| Efficiency ratio | 77.9621% | 3,169 |
| Assets per employee ($millions) | 3.4092% | 5,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 2,676 |
| Loan loss allowance to noncurrent loans | 1,841.1765% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 7,560 |
| Noncurrent loans to loans | 0.0849% | 7,285 |
| Net loans and leases to total assets | 25.1224% | 8,023 |
| Net loans and leases to deposits | 29.1392% | 8,053 |
| Net loans and leases to core deposits | 36.3028% | 8,023 |
| Total domestic deposits to total assets | 86.2151% | 2,608 |
| Equity capital to assets | 12.6562% | 1,905 |
| Core capital (leverage) ratio | 12.1555% | 1,837 |
| Tier 1 risk-based capital ratio | 34.6862% | 450 |
| Total risk-based capital ratio | 35.8573% | 438 |
| Memoranda: | ||
| Average total assets | $77,816,000 | 5,892 |
| Average earning assets | $69,020,500 | 5,948 |
| Average equity | $9,767,500 | 5,457 |
| Average total loans | $20,198,000 | 7,352 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5225% | 7,246 |
| Cost of funding earning assets | 1.8737% | 6,811 |
| Net interest margin | 3.6488% | 4,685 |
| Noninterest income to average assets | 1.3083% | 853 |
| Noninterest expense to average assets | 3.3283% | 2,868 |
| Loan and lease loss provision to assets | 0.1573% | 5,359 |
| Net operating income to assets | 0.9974% | 2,572 |
| Return on assets (ROA) | 1.0487% | 2,253 |
| Pretax return on assets | 1.1811% | 2,718 |
| Return on Equity (ROE) | 8.6757% | 2,761 |
| Retained earnings to average equity (ytd only) | 4.8801% | 2,095 |
| Net charge-offs to loans | 0.5343% | 2,225 |
| Credit loss provision to net charge-offs | 108.1081% | 4,971 |
| Earnings coverage of net charge-offs (x) | 8.8018% | 2,818 |
| Efficiency ratio | 72.2127% | 3,895 |
| Assets per employee ($millions) | 3.3574% | 5,075 |
| Cash dividends to net income (ytd only)* | 43.7500% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 2,585 |
| 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 | 25.9959% | 8,071 |
| Net loans and leases to deposits | 30.0082% | 8,113 |
| Net loans and leases to core deposits | 37.3095% | 8,090 |
| Total domestic deposits to total assets | 86.6291% | 2,131 |
| Equity capital to assets | 12.4463% | 2,039 |
| Core capital (leverage) ratio | 12.2962% | 1,844 |
| Tier 1 risk-based capital ratio | 33.4080% | 498 |
| Total risk-based capital ratio | 34.5525% | 492 |
| Memoranda: | ||
| Average total assets | $76,284,200 | 5,824 |
| Average earning assets | $69,008,200 | 5,858 |
| Average equity | $9,221,200 | 5,664 |
| Average total loans | $20,776,400 | 7,280 |