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New Valley Bank & Trust, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9755%1,419
Cost of funding earning assets0.4456%1,237
Net interest margin3.5299%1,653
Noninterest income to average assets0.1297%4,499
Noninterest expense to average assets2.0482%3,539
Loan and lease loss provision to assets0.4358%144
Net operating income to assets0.6913%3,650
Return on assets (ROA)0.7354%3,590
Pretax return on assets0.9097%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 loans0.0000%2,705
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.3358%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 loans1.4360%1,781
Loan loss allowance to noncurrent loans182.1646%2,737
Noncurrent assets plus other real estate owned to assets0.5159%1,298
Noncurrent loans to loans0.7883%1,290
Net loans and leases to total assets64.5067%1,649
Net loans and leases to deposits72.7066%1,839
Net loans and leases to core deposits78.7945%1,697
Total domestic deposits to total assets88.7219%1,654
Equity capital to assets11.1648%1,690
Core capital (leverage) ratio11.3174%1,388
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.0105%1,040
Memoranda:
Average total assets$244,365,8002,770
Average earning assets$222,187,0002,795
Average equity$22,485,4003,018
Average total loans$177,040,6002,404
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1490%1,186
Cost of funding earning assets0.5000%1,043
Net interest margin3.6491%1,467
Noninterest income to average assets0.1047%4,653
Noninterest expense to average assets2.0142%3,624
Loan and lease loss provision to assets0.4878%113
Net operating income to assets0.7353%3,686
Return on assets (ROA)0.7954%3,604
Pretax return on assets0.9751%3,532
Return on Equity (ROE)9.1579%3,060
Retained earnings to average equity (ytd only)9.1579%1,634
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.1741%3,104
Assets per employee ($millions)9.3079%811
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.3233%2,380
Loan loss allowance to noncurrent loans310.8298%1,936
Noncurrent assets plus other real estate owned to assets0.2938%2,302
Noncurrent loans to loans0.4257%2,286
Net loans and leases to total assets68.0974%1,312
Net loans and leases to deposits74.8355%1,775
Net loans and leases to core deposits81.3790%1,622
Total domestic deposits to total assets90.9961%370
Equity capital to assets8.8192%3,984
Core capital (leverage) ratio8.8117%3,740
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7308%1,710
Memoranda:
Average total assets$241,882,5002,801
Average earning assets$218,679,2502,843
Average equity$21,008,7503,164
Average total loans$179,693,2502,425
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1220%1,312
Cost of funding earning assets0.5644%893
Net interest margin3.5576%1,688
Noninterest income to average assets0.0910%4,727
Noninterest expense to average assets1.9170%3,925
Loan and lease loss provision to assets0.3366%231
Net operating income to assets0.8951%3,234
Return on assets (ROA)0.9800%3,051
Pretax return on assets1.1255%3,128
Return on Equity (ROE)11.3412%2,290
Retained earnings to average equity (ytd only)11.3412%1,051
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.4173%3,228
Assets per employee ($millions)10.5739%512
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.9416%4,019
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets68.9317%1,334
Net loans and leases to deposits84.3884%1,036
Net loans and leases to core deposits89.9026%1,148
Total domestic deposits to total assets81.6839%3,981
Equity capital to assets8.0792%4,487
Core capital (leverage) ratio9.5789%2,828
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.2642%1,274
Memoranda:
Average total assets$241,841,6672,798
Average earning assets$216,886,6672,859
Average equity$20,897,3333,168
Average total loans$183,921,3332,407
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1517%1,284
Cost of funding earning assets0.5782%970
Net interest margin3.5735%1,652
Noninterest income to average assets0.0902%4,726
Noninterest expense to average assets1.8093%4,198
Loan and lease loss provision to assets0.2446%437
Net operating income to assets1.3496%1,684
Return on assets (ROA)1.3496%1,776
Pretax return on assets1.3600%2,395
Return on Equity (ROE)15.0575%1,196
Retained earnings to average equity (ytd only)15.0575%618
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.9980%3,912
Assets per employee ($millions)12.6211%302
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.7299%4,518
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loans0.0000%4,341
Net loans and leases to total assets78.9926%400
Net loans and leases to deposits112.0254%121
Net loans and leases to core deposits124.0190%209
Total domestic deposits to total assets70.5132%4,758
Equity capital to assets8.2782%4,300
Core capital (leverage) ratio11.4783%1,429
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.6809%1,127
Memoranda:
Average total assets$230,589,0002,861
Average earning assets$214,466,5002,861
Average equity$20,667,5003,184
Average total loans$183,906,5002,410
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5940%3,826
Cost of funding earning assets0.7016%1,710
Net interest margin2.8924%4,121
Noninterest income to average assets0.0696%4,822
Noninterest expense to average assets2.4504%2,992
Loan and lease loss provision to assets0.6333%294
Net operating income to assets-0.3488%4,852
Return on assets (ROA)-0.1793%4,829
Pretax return on assets-0.1662%4,815
Return on Equity (ROE)-1.3549%4,827
Retained earnings to average equity (ytd only)-1.3549%4,661
Net charge-offs to loans0.0000%3,443
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.1705%402
Assets per employee ($millions)9.4890%628
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans0.7936%4,438
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets79.3401%470
Net loans and leases to deposits127.2574%48
Net loans and leases to core deposits136.6624%147
Total domestic deposits to total assets62.3462%4,895
Equity capital to assets9.7908%3,326
Core capital (leverage) ratio13.6508%749
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.9741%904
Memoranda:
Average total assets$152,217,4003,376
Average earning assets$140,955,6003,374
Average equity$20,149,2003,177
Average total loans$109,563,2003,101
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0336%4,710
Cost of funding earning assets0.7398%1,803
Net interest margin2.2938%4,783
Noninterest income to average assets0.0647%4,863
Noninterest expense to average assets2.4806%2,905
Loan and lease loss provision to assets0.6460%373
Net operating income to assets-0.9482%4,943
Return on assets (ROA)-0.6991%4,925
Pretax return on assets-0.6991%4,915
Return on Equity (ROE)-4.8081%4,912
Retained earnings to average equity (ytd only)-4.8081%4,839
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio113.8741%99
Assets per employee ($millions)10.5164%433
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.6029%4,717
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,543
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets80.7329%544
Net loans and leases to deposits145.6349%28
Net loans and leases to core deposits155.7668%96
Total domestic deposits to total assets55.4351%4,958
Equity capital to assets9.4790%3,699
Core capital (leverage) ratio14.1450%682
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.8695%522
Memoranda:
Average total assets$138,082,5003,527
Average earning assets$127,240,2503,524
Average equity$20,076,7503,180
Average total loans$95,215,7503,321
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9631%4,860
Cost of funding earning assets0.8548%1,578
Net interest margin2.1082%4,918
Noninterest income to average assets0.0614%4,886
Noninterest expense to average assets2.8807%1,877
Loan and lease loss provision to assets0.6175%508
Net operating income to assets-1.5158%5,002
Return on assets (ROA)-1.2649%4,985
Pretax return on assets-1.2649%4,971
Return on Equity (ROE)-7.1658%4,956
Retained earnings to average equity (ytd only)-7.1658%4,853
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio145.3097%45
Assets per employee ($millions)10.7659%408
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.4943%4,839
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets74.0662%1,403
Net loans and leases to deposits115.0975%144
Net loans and leases to core deposits128.1358%283
Total domestic deposits to total assets64.3509%4,911
Equity capital to assets10.3336%2,900
Core capital (leverage) ratio15.0008%574
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.5833%320
Memoranda:
Average total assets$114,001,0003,801
Average earning assets$103,878,3333,844
Average equity$20,123,3333,161
Average total loans$70,010,0003,756
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9459%4,969
Cost of funding earning assets1.2317%693
Net interest margin1.7142%5,057
Noninterest income to average assets0.0756%4,910
Noninterest expense to average assets4.2856%375
Loan and lease loss provision to assets0.5344%544
Net operating income to assets-3.1144%5,075
Return on assets (ROA)-3.1144%5,066
Pretax return on assets-3.1144%5,055
Return on Equity (ROE)-11.4413%5,010
Retained earnings to average equity (ytd only)-11.4413%4,812
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio251.2658%17
Assets per employee ($millions)4.7144%2,973
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.2491%2,396
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets42.8546%4,554
Net loans and leases to deposits56.4146%4,351
Net loans and leases to core deposits62.5522%4,255
Total domestic deposits to total assets75.9637%4,490
Equity capital to assets23.7959%129
Core capital (leverage) ratio25.1948%109
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio40.8247%142
Memoranda:
Average total assets$74,108,5004,343
Average earning assets$70,472,0004,306
Average equity$20,172,5003,155
Average total loans$32,893,5004,537
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.6456%5,155
Cost of funding earning assets0.6352%3,487
Net interest margin1.0105%5,157
Noninterest income to average assets0.0336%5,066
Noninterest expense to average assets7.2662%100
Loan and lease loss provision to assets0.7577%139
Net operating income to assets-7.0353%5,175
Return on assets (ROA)-7.0353%5,175
Pretax return on assets-7.0353%5,175
Return on Equity (ROE)-16.0950%5,147
Retained earnings to average equity (ytd only)-16.0950%5,122
Net charge-offs to loans0.0000%3,726
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio735.0318%5
Assets per employee ($millions)3.7269%4,236
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans1.2465%2,190
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,701
Noncurrent loans to loans0.0000%4,619
Net loans and leases to total assets45.1403%4,553
Net loans and leases to deposits66.5596%3,919
Net loans and leases to core deposits77.4124%3,486
Total domestic deposits to total assets67.8194%4,992
Equity capital to assets31.8066%63
Core capital (leverage) ratio35.1850%59
Tier 1 risk-based capital ratio49.3041%136
Total risk-based capital ratio50.1856%138
Memoranda:
Average total assets$47,645,3334,790
Average earning assets$45,028,6674,767
Average equity$20,826,3333,052
Average total loans$17,197,3334,927
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.2492%5,246
Cost of funding earning assets0.4248%4,420
Net interest margin0.8244%5,244
Noninterest income to average assets0.0033%5,205
Noninterest expense to average assets9.0709%83
Loan and lease loss provision to assets0.6400%173
Net operating income to assets-8.9403%5,254
Return on assets (ROA)-8.9403%5,254
Pretax return on assets-8.9403%5,254
Return on Equity (ROE)-16.8084%5,223
Retained earnings to average equity (ytd only)-16.8084%5,195
Net charge-offs to loans0.0000%3,455
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio1,176.9565%4
Assets per employee ($millions)3.0263%4,878
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.2466%2,254
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,789
Noncurrent loans to loans0.0000%4,706
Net loans and leases to total assets33.3319%5,000
Net loans and leases to deposits63.0590%4,233
Net loans and leases to core deposits84.0004%3,090
Total domestic deposits to total assets52.8582%5,197
Equity capital to assets46.0139%40
Core capital (leverage) ratio51.3852%36
Tier 1 risk-based capital ratio75.0306%63
Total risk-based capital ratio75.7174%64
Memoranda:
Average total assets$39,789,0004,966
Average earning assets$37,037,0004,953
Average equity$21,163,5003,051
Average total loans$11,315,5005,115
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets0.3875%5,298
Cost of funding earning assets0.0800%5,245
Net interest margin0.3075%5,297
Noninterest income to average assets0.0000%5,250
Noninterest expense to average assets11.9943%57
Loan and lease loss provision to assets0.5324%213
Net operating income to assets-12.2342%5,301
Return on assets (ROA)-12.2342%5,301
Pretax return on assets-12.2342%5,301
Return on Equity (ROE)-19.5065%5,278
Retained earnings to average equity (ytd only)-19.5065%5,248
Net charge-offs to loans0.0000%3,172
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio4,100.0000%2
Assets per employee ($millions)2.8486%4,992
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.2450%2,284
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,834
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets21.1158%5,197
Net loans and leases to deposits57.9480%4,518
Net loans and leases to core deposits106.6805%1,202
Total domestic deposits to total assets36.4392%5,266
Equity capital to assets62.7183%33
Core capital (leverage) ratio77.3355%27
Tier 1 risk-based capital ratio127.7920%34
Total risk-based capital ratio128.3346%34
Memoranda:
Average total assets$34,183,0005,092
Average earning assets$32,518,0005,069
Average equity$21,439,0003,025
Average total loans$7,309,0005,227