Home > New Vienna Savings Bank > Performance and Condition Ratios
New Vienna Savings Bank, Performance and Condition Ratios
| 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 | 6.0521% | 1,831 |
| Cost of funding earning assets | 2.2382% | 2,241 |
| Net interest margin | 3.8139% | 3,597 |
| Noninterest income to average assets | 0.3347% | 5,809 |
| Noninterest expense to average assets | 2.4851% | 6,122 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2334% | 1,391 |
| Return on assets (ROA) | 1.2334% | 1,452 |
| Pretax return on assets | 1.3342% | 1,864 |
| Return on Equity (ROE) | 8.1537% | 2,578 |
| Retained earnings to average equity (ytd only) | 3.6374% | 3,251 |
| Net charge-offs to loans | 0.2358% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 8.3135% | 2,272 |
| Efficiency ratio | 65.0660% | 5,541 |
| Assets per employee ($millions) | 5.0680% | 2,059 |
| Cash dividends to net income (ytd only)* | 55.3895% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 4,684 |
| Loan loss allowance to noncurrent loans | 32.6504% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 2.5684% | 2,704 |
| Noncurrent loans to loans | 3.8908% | 1,899 |
| Net loans and leases to total assets | 65.1736% | 4,608 |
| Net loans and leases to deposits | 79.1896% | 4,535 |
| Net loans and leases to core deposits | 93.5517% | 5,065 |
| Total domestic deposits to total assets | 82.3007% | 4,541 |
| Equity capital to assets | 14.8020% | 1,064 |
| Core capital (leverage) ratio | 14.3641% | 993 |
| Tier 1 risk-based capital ratio | 18.2886% | 1,910 |
| Total risk-based capital ratio | 19.3818% | 1,903 |
| Memoranda: | ||
| Average total assets | $29,079,750 | 7,573 |
| Average earning assets | $26,568,750 | 7,547 |
| Average equity | $4,398,750 | 7,214 |
| Average total loans | $19,791,500 | 7,270 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2119% | 1,417 |
| Cost of funding earning assets | 2.2749% | 2,467 |
| Net interest margin | 3.9370% | 2,942 |
| Noninterest income to average assets | 0.1117% | 7,425 |
| Noninterest expense to average assets | 2.3466% | 6,632 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2501% | 1,357 |
| Return on assets (ROA) | 1.2501% | 1,430 |
| Pretax return on assets | 1.3549% | 1,850 |
| Return on Equity (ROE) | 8.2022% | 2,692 |
| Retained earnings to average equity (ytd only) | 4.8572% | 2,587 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3962% | 6,024 |
| Assets per employee ($millions) | 4.8132% | 2,303 |
| Cash dividends to net income (ytd only)* | 40.7821% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 3,411 |
| Loan loss allowance to noncurrent loans | 36.4780% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 2.7529% | 2,336 |
| Noncurrent loans to loans | 4.0042% | 1,695 |
| Net loans and leases to total assets | 67.7447% | 4,195 |
| Net loans and leases to deposits | 82.8456% | 4,075 |
| Net loans and leases to core deposits | 98.8980% | 4,609 |
| Total domestic deposits to total assets | 81.7722% | 4,783 |
| Equity capital to assets | 15.1875% | 989 |
| Core capital (leverage) ratio | 14.9272% | 941 |
| Tier 1 risk-based capital ratio | 20.1842% | 1,542 |
| Total risk-based capital ratio | 21.4374% | 1,500 |
| Memoranda: | ||
| Average total assets | $28,637,000 | 7,658 |
| Average earning assets | $26,111,000 | 7,637 |
| Average equity | $4,364,670 | 7,287 |
| Average total loans | $19,697,670 | 7,346 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3830% | 1,106 |
| Cost of funding earning assets | 2.2155% | 3,086 |
| Net interest margin | 4.1676% | 2,023 |
| Noninterest income to average assets | 0.0982% | 7,552 |
| Noninterest expense to average assets | 2.3005% | 6,538 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4729% | 990 |
| Return on assets (ROA) | 1.4729% | 1,066 |
| Pretax return on assets | 1.5710% | 1,480 |
| Return on Equity (ROE) | 9.6463% | 2,474 |
| Retained earnings to average equity (ytd only) | 9.6463% | 1,299 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4203% | 6,494 |
| Assets per employee ($millions) | 4.7588% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 3,009 |
| Loan loss allowance to noncurrent loans | 36.0697% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 2.8158% | 2,019 |
| Noncurrent loans to loans | 4.1518% | 1,437 |
| Net loans and leases to total assets | 66.8056% | 4,385 |
| Net loans and leases to deposits | 83.5048% | 4,059 |
| Net loans and leases to core deposits | 97.5604% | 4,792 |
| Total domestic deposits to total assets | 80.0021% | 5,372 |
| Equity capital to assets | 15.2383% | 1,032 |
| Core capital (leverage) ratio | 15.0340% | 968 |
| Tier 1 risk-based capital ratio | 20.9151% | 1,462 |
| Total risk-based capital ratio | 22.1697% | 1,434 |
| Memoranda: | ||
| Average total assets | $28,516,000 | 7,710 |
| Average earning assets | $25,818,500 | 7,692 |
| Average equity | $4,354,000 | 7,335 |
| Average total loans | $19,619,500 | 7,394 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3881% | 3,479 |
| Cost of funding earning assets | 2.6585% | 3,380 |
| Net interest margin | 3.7296% | 4,329 |
| Noninterest income to average assets | 0.1492% | 7,350 |
| Noninterest expense to average assets | 2.3335% | 6,610 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2182% | 1,715 |
| Return on assets (ROA) | 1.2182% | 1,664 |
| Pretax return on assets | 1.2538% | 2,467 |
| Return on Equity (ROE) | 7.9771% | 3,084 |
| Retained earnings to average equity (ytd only) | 0.6279% | 4,863 |
| Net charge-offs to loans | -0.1426% | 8,132 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0495% | 5,314 |
| Assets per employee ($millions) | 4.7465% | 2,250 |
| Cash dividends to net income (ytd only)* | 92.1283% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 2,880 |
| Loan loss allowance to noncurrent loans | 35.4090% | 6,383 |
| Noncurrent assets plus other real estate owned to assets | 2.8758% | 1,620 |
| Noncurrent loans to loans | 4.1210% | 1,180 |
| Net loans and leases to total assets | 68.7665% | 4,307 |
| Net loans and leases to deposits | 89.2372% | 3,593 |
| Net loans and leases to core deposits | 102.6308% | 4,536 |
| Total domestic deposits to total assets | 77.0603% | 5,972 |
| Equity capital to assets | 15.2990% | 1,090 |
| Core capital (leverage) ratio | 14.4139% | 1,159 |
| Tier 1 risk-based capital ratio | 20.0183% | 1,619 |
| Total risk-based capital ratio | 21.2689% | 1,582 |
| Memoranda: | ||
| Average total assets | $28,155,200 | 7,721 |
| Average earning assets | $25,954,400 | 7,696 |
| Average equity | $4,299,800 | 7,391 |
| Average total loans | $19,637,000 | 7,349 |