Home > New Valley Bank & Trust > Performance and Condition Ratios
New Valley Bank & Trust, Performance and Condition Ratios
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9755% | 1,419 |
Cost of funding earning assets | 0.4456% | 1,237 |
Net interest margin | 3.5299% | 1,653 |
Noninterest income to average assets | 0.1297% | 4,499 |
Noninterest expense to average assets | 2.0482% | 3,539 |
Loan and lease loss provision to assets | 0.4358% | 144 |
Net operating income to assets | 0.6913% | 3,650 |
Return on assets (ROA) | 0.7354% | 3,590 |
Pretax return on assets | 0.9097% | 3,487 |
Return on Equity (ROE) | 7.9919% | 3,220 |
Retained earnings to average equity (ytd only) | 7.9919% | 1,546 |
Net charge-offs to loans | 0.0000% | 2,705 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.3358% | 2,959 |
Assets per employee ($millions) | 9.7807% | 710 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4360% | 1,781 |
Loan loss allowance to noncurrent loans | 182.1646% | 2,737 |
Noncurrent assets plus other real estate owned to assets | 0.5159% | 1,298 |
Noncurrent loans to loans | 0.7883% | 1,290 |
Net loans and leases to total assets | 64.5067% | 1,649 |
Net loans and leases to deposits | 72.7066% | 1,839 |
Net loans and leases to core deposits | 78.7945% | 1,697 |
Total domestic deposits to total assets | 88.7219% | 1,654 |
Equity capital to assets | 11.1648% | 1,690 |
Core capital (leverage) ratio | 11.3174% | 1,388 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.0105% | 1,040 |
Memoranda: | ||
Average total assets | $244,365,800 | 2,770 |
Average earning assets | $222,187,000 | 2,795 |
Average equity | $22,485,400 | 3,018 |
Average total loans | $177,040,600 | 2,404 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1490% | 1,186 |
Cost of funding earning assets | 0.5000% | 1,043 |
Net interest margin | 3.6491% | 1,467 |
Noninterest income to average assets | 0.1047% | 4,653 |
Noninterest expense to average assets | 2.0142% | 3,624 |
Loan and lease loss provision to assets | 0.4878% | 113 |
Net operating income to assets | 0.7353% | 3,686 |
Return on assets (ROA) | 0.7954% | 3,604 |
Pretax return on assets | 0.9751% | 3,532 |
Return on Equity (ROE) | 9.1579% | 3,060 |
Retained earnings to average equity (ytd only) | 9.1579% | 1,634 |
Net charge-offs to loans | 0.0000% | 2,463 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.1741% | 3,104 |
Assets per employee ($millions) | 9.3079% | 811 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3233% | 2,380 |
Loan loss allowance to noncurrent loans | 310.8298% | 1,936 |
Noncurrent assets plus other real estate owned to assets | 0.2938% | 2,302 |
Noncurrent loans to loans | 0.4257% | 2,286 |
Net loans and leases to total assets | 68.0974% | 1,312 |
Net loans and leases to deposits | 74.8355% | 1,775 |
Net loans and leases to core deposits | 81.3790% | 1,622 |
Total domestic deposits to total assets | 90.9961% | 370 |
Equity capital to assets | 8.8192% | 3,984 |
Core capital (leverage) ratio | 8.8117% | 3,740 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.7308% | 1,710 |
Memoranda: | ||
Average total assets | $241,882,500 | 2,801 |
Average earning assets | $218,679,250 | 2,843 |
Average equity | $21,008,750 | 3,164 |
Average total loans | $179,693,250 | 2,425 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1220% | 1,312 |
Cost of funding earning assets | 0.5644% | 893 |
Net interest margin | 3.5576% | 1,688 |
Noninterest income to average assets | 0.0910% | 4,727 |
Noninterest expense to average assets | 1.9170% | 3,925 |
Loan and lease loss provision to assets | 0.3366% | 231 |
Net operating income to assets | 0.8951% | 3,234 |
Return on assets (ROA) | 0.9800% | 3,051 |
Pretax return on assets | 1.1255% | 3,128 |
Return on Equity (ROE) | 11.3412% | 2,290 |
Retained earnings to average equity (ytd only) | 11.3412% | 1,051 |
Net charge-offs to loans | 0.0000% | 2,245 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.4173% | 3,228 |
Assets per employee ($millions) | 10.5739% | 512 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9416% | 4,019 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
Noncurrent loans to loans | 0.0000% | 4,280 |
Net loans and leases to total assets | 68.9317% | 1,334 |
Net loans and leases to deposits | 84.3884% | 1,036 |
Net loans and leases to core deposits | 89.9026% | 1,148 |
Total domestic deposits to total assets | 81.6839% | 3,981 |
Equity capital to assets | 8.0792% | 4,487 |
Core capital (leverage) ratio | 9.5789% | 2,828 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.2642% | 1,274 |
Memoranda: | ||
Average total assets | $241,841,667 | 2,798 |
Average earning assets | $216,886,667 | 2,859 |
Average equity | $20,897,333 | 3,168 |
Average total loans | $183,921,333 | 2,407 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1517% | 1,284 |
Cost of funding earning assets | 0.5782% | 970 |
Net interest margin | 3.5735% | 1,652 |
Noninterest income to average assets | 0.0902% | 4,726 |
Noninterest expense to average assets | 1.8093% | 4,198 |
Loan and lease loss provision to assets | 0.2446% | 437 |
Net operating income to assets | 1.3496% | 1,684 |
Return on assets (ROA) | 1.3496% | 1,776 |
Pretax return on assets | 1.3600% | 2,395 |
Return on Equity (ROE) | 15.0575% | 1,196 |
Retained earnings to average equity (ytd only) | 15.0575% | 618 |
Net charge-offs to loans | 0.0000% | 1,930 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.9980% | 3,912 |
Assets per employee ($millions) | 12.6211% | 302 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7299% | 4,518 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
Noncurrent loans to loans | 0.0000% | 4,341 |
Net loans and leases to total assets | 78.9926% | 400 |
Net loans and leases to deposits | 112.0254% | 121 |
Net loans and leases to core deposits | 124.0190% | 209 |
Total domestic deposits to total assets | 70.5132% | 4,758 |
Equity capital to assets | 8.2782% | 4,300 |
Core capital (leverage) ratio | 11.4783% | 1,429 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.6809% | 1,127 |
Memoranda: | ||
Average total assets | $230,589,000 | 2,861 |
Average earning assets | $214,466,500 | 2,861 |
Average equity | $20,667,500 | 3,184 |
Average total loans | $183,906,500 | 2,410 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5940% | 3,826 |
Cost of funding earning assets | 0.7016% | 1,710 |
Net interest margin | 2.8924% | 4,121 |
Noninterest income to average assets | 0.0696% | 4,822 |
Noninterest expense to average assets | 2.4504% | 2,992 |
Loan and lease loss provision to assets | 0.6333% | 294 |
Net operating income to assets | -0.3488% | 4,852 |
Return on assets (ROA) | -0.1793% | 4,829 |
Pretax return on assets | -0.1662% | 4,815 |
Return on Equity (ROE) | -1.3549% | 4,827 |
Retained earnings to average equity (ytd only) | -1.3549% | 4,661 |
Net charge-offs to loans | 0.0000% | 3,443 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.1705% | 402 |
Assets per employee ($millions) | 9.4890% | 628 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7936% | 4,438 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
Noncurrent loans to loans | 0.0000% | 4,420 |
Net loans and leases to total assets | 79.3401% | 470 |
Net loans and leases to deposits | 127.2574% | 48 |
Net loans and leases to core deposits | 136.6624% | 147 |
Total domestic deposits to total assets | 62.3462% | 4,895 |
Equity capital to assets | 9.7908% | 3,326 |
Core capital (leverage) ratio | 13.6508% | 749 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.9741% | 904 |
Memoranda: | ||
Average total assets | $152,217,400 | 3,376 |
Average earning assets | $140,955,600 | 3,374 |
Average equity | $20,149,200 | 3,177 |
Average total loans | $109,563,200 | 3,101 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0336% | 4,710 |
Cost of funding earning assets | 0.7398% | 1,803 |
Net interest margin | 2.2938% | 4,783 |
Noninterest income to average assets | 0.0647% | 4,863 |
Noninterest expense to average assets | 2.4806% | 2,905 |
Loan and lease loss provision to assets | 0.6460% | 373 |
Net operating income to assets | -0.9482% | 4,943 |
Return on assets (ROA) | -0.6991% | 4,925 |
Pretax return on assets | -0.6991% | 4,915 |
Return on Equity (ROE) | -4.8081% | 4,912 |
Retained earnings to average equity (ytd only) | -4.8081% | 4,839 |
Net charge-offs to loans | 0.0000% | 3,243 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 113.8741% | 99 |
Assets per employee ($millions) | 10.5164% | 433 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6029% | 4,717 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
Noncurrent loans to loans | 0.0000% | 4,475 |
Net loans and leases to total assets | 80.7329% | 544 |
Net loans and leases to deposits | 145.6349% | 28 |
Net loans and leases to core deposits | 155.7668% | 96 |
Total domestic deposits to total assets | 55.4351% | 4,958 |
Equity capital to assets | 9.4790% | 3,699 |
Core capital (leverage) ratio | 14.1450% | 682 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 22.8695% | 522 |
Memoranda: | ||
Average total assets | $138,082,500 | 3,527 |
Average earning assets | $127,240,250 | 3,524 |
Average equity | $20,076,750 | 3,180 |
Average total loans | $95,215,750 | 3,321 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9631% | 4,860 |
Cost of funding earning assets | 0.8548% | 1,578 |
Net interest margin | 2.1082% | 4,918 |
Noninterest income to average assets | 0.0614% | 4,886 |
Noninterest expense to average assets | 2.8807% | 1,877 |
Loan and lease loss provision to assets | 0.6175% | 508 |
Net operating income to assets | -1.5158% | 5,002 |
Return on assets (ROA) | -1.2649% | 4,985 |
Pretax return on assets | -1.2649% | 4,971 |
Return on Equity (ROE) | -7.1658% | 4,956 |
Retained earnings to average equity (ytd only) | -7.1658% | 4,853 |
Net charge-offs to loans | 0.0000% | 3,033 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 145.3097% | 45 |
Assets per employee ($millions) | 10.7659% | 408 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4943% | 4,839 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
Noncurrent loans to loans | 0.0000% | 4,537 |
Net loans and leases to total assets | 74.0662% | 1,403 |
Net loans and leases to deposits | 115.0975% | 144 |
Net loans and leases to core deposits | 128.1358% | 283 |
Total domestic deposits to total assets | 64.3509% | 4,911 |
Equity capital to assets | 10.3336% | 2,900 |
Core capital (leverage) ratio | 15.0008% | 574 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 27.5833% | 320 |
Memoranda: | ||
Average total assets | $114,001,000 | 3,801 |
Average earning assets | $103,878,333 | 3,844 |
Average equity | $20,123,333 | 3,161 |
Average total loans | $70,010,000 | 3,756 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9459% | 4,969 |
Cost of funding earning assets | 1.2317% | 693 |
Net interest margin | 1.7142% | 5,057 |
Noninterest income to average assets | 0.0756% | 4,910 |
Noninterest expense to average assets | 4.2856% | 375 |
Loan and lease loss provision to assets | 0.5344% | 544 |
Net operating income to assets | -3.1144% | 5,075 |
Return on assets (ROA) | -3.1144% | 5,066 |
Pretax return on assets | -3.1144% | 5,055 |
Return on Equity (ROE) | -11.4413% | 5,010 |
Retained earnings to average equity (ytd only) | -11.4413% | 4,812 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 251.2658% | 17 |
Assets per employee ($millions) | 4.7144% | 2,973 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2491% | 2,396 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
Noncurrent loans to loans | 0.0000% | 4,593 |
Net loans and leases to total assets | 42.8546% | 4,554 |
Net loans and leases to deposits | 56.4146% | 4,351 |
Net loans and leases to core deposits | 62.5522% | 4,255 |
Total domestic deposits to total assets | 75.9637% | 4,490 |
Equity capital to assets | 23.7959% | 129 |
Core capital (leverage) ratio | 25.1948% | 109 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 40.8247% | 142 |
Memoranda: | ||
Average total assets | $74,108,500 | 4,343 |
Average earning assets | $70,472,000 | 4,306 |
Average equity | $20,172,500 | 3,155 |
Average total loans | $32,893,500 | 4,537 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.6456% | 5,155 |
Cost of funding earning assets | 0.6352% | 3,487 |
Net interest margin | 1.0105% | 5,157 |
Noninterest income to average assets | 0.0336% | 5,066 |
Noninterest expense to average assets | 7.2662% | 100 |
Loan and lease loss provision to assets | 0.7577% | 139 |
Net operating income to assets | -7.0353% | 5,175 |
Return on assets (ROA) | -7.0353% | 5,175 |
Pretax return on assets | -7.0353% | 5,175 |
Return on Equity (ROE) | -16.0950% | 5,147 |
Retained earnings to average equity (ytd only) | -16.0950% | 5,122 |
Net charge-offs to loans | 0.0000% | 3,726 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 735.0318% | 5 |
Assets per employee ($millions) | 3.7269% | 4,236 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2465% | 2,190 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
Noncurrent loans to loans | 0.0000% | 4,619 |
Net loans and leases to total assets | 45.1403% | 4,553 |
Net loans and leases to deposits | 66.5596% | 3,919 |
Net loans and leases to core deposits | 77.4124% | 3,486 |
Total domestic deposits to total assets | 67.8194% | 4,992 |
Equity capital to assets | 31.8066% | 63 |
Core capital (leverage) ratio | 35.1850% | 59 |
Tier 1 risk-based capital ratio | 49.3041% | 136 |
Total risk-based capital ratio | 50.1856% | 138 |
Memoranda: | ||
Average total assets | $47,645,333 | 4,790 |
Average earning assets | $45,028,667 | 4,767 |
Average equity | $20,826,333 | 3,052 |
Average total loans | $17,197,333 | 4,927 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.2492% | 5,246 |
Cost of funding earning assets | 0.4248% | 4,420 |
Net interest margin | 0.8244% | 5,244 |
Noninterest income to average assets | 0.0033% | 5,205 |
Noninterest expense to average assets | 9.0709% | 83 |
Loan and lease loss provision to assets | 0.6400% | 173 |
Net operating income to assets | -8.9403% | 5,254 |
Return on assets (ROA) | -8.9403% | 5,254 |
Pretax return on assets | -8.9403% | 5,254 |
Return on Equity (ROE) | -16.8084% | 5,223 |
Retained earnings to average equity (ytd only) | -16.8084% | 5,195 |
Net charge-offs to loans | 0.0000% | 3,455 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 1,176.9565% | 4 |
Assets per employee ($millions) | 3.0263% | 4,878 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2466% | 2,254 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
Noncurrent loans to loans | 0.0000% | 4,706 |
Net loans and leases to total assets | 33.3319% | 5,000 |
Net loans and leases to deposits | 63.0590% | 4,233 |
Net loans and leases to core deposits | 84.0004% | 3,090 |
Total domestic deposits to total assets | 52.8582% | 5,197 |
Equity capital to assets | 46.0139% | 40 |
Core capital (leverage) ratio | 51.3852% | 36 |
Tier 1 risk-based capital ratio | 75.0306% | 63 |
Total risk-based capital ratio | 75.7174% | 64 |
Memoranda: | ||
Average total assets | $39,789,000 | 4,966 |
Average earning assets | $37,037,000 | 4,953 |
Average equity | $21,163,500 | 3,051 |
Average total loans | $11,315,500 | 5,115 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.3875% | 5,298 |
Cost of funding earning assets | 0.0800% | 5,245 |
Net interest margin | 0.3075% | 5,297 |
Noninterest income to average assets | 0.0000% | 5,250 |
Noninterest expense to average assets | 11.9943% | 57 |
Loan and lease loss provision to assets | 0.5324% | 213 |
Net operating income to assets | -12.2342% | 5,301 |
Return on assets (ROA) | -12.2342% | 5,301 |
Pretax return on assets | -12.2342% | 5,301 |
Return on Equity (ROE) | -19.5065% | 5,278 |
Retained earnings to average equity (ytd only) | -19.5065% | 5,248 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 4,100.0000% | 2 |
Assets per employee ($millions) | 2.8486% | 4,992 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2450% | 2,284 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
Noncurrent loans to loans | 0.0000% | 4,745 |
Net loans and leases to total assets | 21.1158% | 5,197 |
Net loans and leases to deposits | 57.9480% | 4,518 |
Net loans and leases to core deposits | 106.6805% | 1,202 |
Total domestic deposits to total assets | 36.4392% | 5,266 |
Equity capital to assets | 62.7183% | 33 |
Core capital (leverage) ratio | 77.3355% | 27 |
Tier 1 risk-based capital ratio | 127.7920% | 34 |
Total risk-based capital ratio | 128.3346% | 34 |
Memoranda: | ||
Average total assets | $34,183,000 | 5,092 |
Average earning assets | $32,518,000 | 5,069 |
Average equity | $21,439,000 | 3,025 |
Average total loans | $7,309,000 | 5,227 |