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Riverview Community 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 | 5.4444% | 4,713 |
| Cost of funding earning assets | 3.1411% | 223 |
| Net interest margin | 2.3032% | 7,641 |
| Noninterest income to average assets | 0.3495% | 5,699 |
| Noninterest expense to average assets | 4.4911% | 752 |
| Loan and lease loss provision to assets | 2.8968% | 527 |
| Net operating income to assets | -4.9421% | 7,835 |
| Return on assets (ROA) | -4.8695% | 7,827 |
| Pretax return on assets | -4.8695% | 7,794 |
| Return on Equity (ROE) | -155.4657% | 8,059 |
| Retained earnings to average equity (ytd only) | -155.4657% | 8,059 |
| Net charge-offs to loans | 3.8830% | 370 |
| Credit loss provision to net charge-offs | 106.3532% | 4,787 |
| Earnings coverage of net charge-offs (x) | -0.7510% | 6,580 |
| Efficiency ratio | 183.6321% | 185 |
| Assets per employee ($millions) | 4.7170% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0147% | 138 |
| Loan loss allowance to noncurrent loans | 63.7436% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 13.6053% | 160 |
| Noncurrent loans to loans | 7.8671% | 627 |
| Net loans and leases to total assets | 64.0762% | 4,854 |
| Net loans and leases to deposits | 84.6158% | 3,551 |
| Net loans and leases to core deposits | 124.6774% | 1,844 |
| Total domestic deposits to total assets | 75.7261% | 6,635 |
| Equity capital to assets | 1.7919% | 8,059 |
| Core capital (leverage) ratio | 1.1774% | 8,067 |
| Tier 1 risk-based capital ratio | 1.6596% | 8,066 |
| Total risk-based capital ratio | 2.9491% | 8,067 |
| Memoranda: | ||
| Average total assets | $115,574,750 | 4,705 |
| Average earning assets | $105,182,250 | 4,731 |
| Average equity | $3,620,000 | 7,473 |
| Average total loans | $81,068,500 | 4,518 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4121% | 5,082 |
| Cost of funding earning assets | 3.1134% | 337 |
| Net interest margin | 2.2988% | 7,676 |
| Noninterest income to average assets | 0.3683% | 5,560 |
| Noninterest expense to average assets | 4.5639% | 731 |
| Loan and lease loss provision to assets | 4.2137% | 282 |
| Net operating income to assets | -6.2884% | 8,012 |
| Return on assets (ROA) | -6.1843% | 8,000 |
| Pretax return on assets | -6.1843% | 7,956 |
| Return on Equity (ROE) | -176.8123% | 8,139 |
| Retained earnings to average equity (ytd only) | -176.8123% | 8,137 |
| Net charge-offs to loans | 4.6005% | 281 |
| Credit loss provision to net charge-offs | 129.2300% | 3,601 |
| Earnings coverage of net charge-offs (x) | -0.6363% | 6,133 |
| Efficiency ratio | 183.3444% | 240 |
| Assets per employee ($millions) | 3.9868% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3241% | 104 |
| Loan loss allowance to noncurrent loans | 54.9462% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 12.6748% | 155 |
| Noncurrent loans to loans | 9.6896% | 373 |
| Net loans and leases to total assets | 60.1670% | 5,652 |
| Net loans and leases to deposits | 79.1210% | 4,680 |
| Net loans and leases to core deposits | 113.7522% | 2,936 |
| Total domestic deposits to total assets | 76.0443% | 6,540 |
| Equity capital to assets | 1.8463% | 8,148 |
| Core capital (leverage) ratio | 1.4497% | 8,157 |
| Tier 1 risk-based capital ratio | 2.1563% | 8,151 |
| Total risk-based capital ratio | 3.4499% | 8,152 |
| Memoranda: | ||
| Average total assets | $121,080,670 | 4,600 |
| Average earning assets | $111,712,000 | 4,582 |
| Average equity | $4,235,000 | 7,323 |
| Average total loans | $85,817,000 | 4,407 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5477% | 4,650 |
| Cost of funding earning assets | 3.1254% | 425 |
| Net interest margin | 2.4222% | 7,593 |
| Noninterest income to average assets | 0.2353% | 6,577 |
| Noninterest expense to average assets | 3.9203% | 1,283 |
| Loan and lease loss provision to assets | 1.9745% | 609 |
| Net operating income to assets | -3.3925% | 7,901 |
| Return on assets (ROA) | -3.3925% | 7,901 |
| Pretax return on assets | -3.3925% | 7,821 |
| Return on Equity (ROE) | -80.1954% | 8,122 |
| Retained earnings to average equity (ytd only) | -80.1954% | 8,113 |
| Net charge-offs to loans | 1.5227% | 949 |
| Credit loss provision to net charge-offs | 174.9296% | 2,466 |
| Earnings coverage of net charge-offs (x) | -1.2563% | 5,406 |
| Efficiency ratio | 156.6709% | 325 |
| Assets per employee ($millions) | 4.7162% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8229% | 254 |
| Loan loss allowance to noncurrent loans | 31.9952% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 10.9827% | 182 |
| Noncurrent loans to loans | 11.9484% | 182 |
| Net loans and leases to total assets | 68.4978% | 4,014 |
| Net loans and leases to deposits | 89.2061% | 3,069 |
| Net loans and leases to core deposits | 123.9421% | 2,086 |
| Total domestic deposits to total assets | 76.7860% | 6,341 |
| Equity capital to assets | 3.8056% | 8,171 |
| Core capital (leverage) ratio | 3.3881% | 8,192 |
| Tier 1 risk-based capital ratio | 4.5465% | 8,189 |
| Total risk-based capital ratio | 5.8248% | 8,186 |
| Memoranda: | ||
| Average total assets | $125,805,500 | 4,502 |
| Average earning assets | $117,743,500 | 4,436 |
| Average equity | $5,322,000 | 6,997 |
| Average total loans | $93,254,500 | 4,228 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6016% | 2,489 |
| Cost of funding earning assets | 3.5778% | 421 |
| Net interest margin | 3.0238% | 6,848 |
| Noninterest income to average assets | 0.1578% | 7,296 |
| Noninterest expense to average assets | 3.5894% | 2,179 |
| Loan and lease loss provision to assets | 5.1795% | 97 |
| Net operating income to assets | -5.7370% | 8,134 |
| Return on assets (ROA) | -5.7370% | 8,126 |
| Pretax return on assets | -5.7370% | 8,082 |
| Return on Equity (ROE) | -76.4356% | 8,243 |
| Retained earnings to average equity (ytd only) | -77.1430% | 8,240 |
| Net charge-offs to loans | 4.9739% | 103 |
| Credit loss provision to net charge-offs | 129.9593% | 4,093 |
| Earnings coverage of net charge-offs (x) | -0.1399% | 6,345 |
| Efficiency ratio | 118.3897% | 591 |
| Assets per employee ($millions) | 4.0088% | 3,495 |
| Cash dividends to net income (ytd only)* | -0.9256% | 7,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3407% | 324 |
| Loan loss allowance to noncurrent loans | 35.6618% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 8.8434% | 236 |
| Noncurrent loans to loans | 9.3677% | 239 |
| Net loans and leases to total assets | 74.5273% | 2,982 |
| Net loans and leases to deposits | 87.4885% | 3,867 |
| Net loans and leases to core deposits | 118.3420% | 2,851 |
| Total domestic deposits to total assets | 85.1852% | 2,758 |
| Equity capital to assets | 4.6655% | 8,219 |
| Core capital (leverage) ratio | 4.3173% | 8,250 |
| Tier 1 risk-based capital ratio | 5.3851% | 8,254 |
| Total risk-based capital ratio | 6.6584% | 8,253 |
| Memoranda: | ||
| Average total assets | $135,592,800 | 4,172 |
| Average earning assets | $128,877,000 | 4,063 |
| Average equity | $10,177,200 | 5,357 |
| Average total loans | $108,648,200 | 3,713 |