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RockBridge Commercial 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 | 4.4784% | 7,531 |
| Cost of funding earning assets | 3.0744% | 264 |
| Net interest margin | 1.4041% | 7,965 |
| Noninterest income to average assets | 0.1014% | 7,396 |
| Noninterest expense to average assets | 2.4021% | 6,412 |
| Loan and lease loss provision to assets | 12.5904% | 11 |
| Net operating income to assets | -13.6018% | 8,069 |
| Return on assets (ROA) | -13.5511% | 8,068 |
| Pretax return on assets | -13.5511% | 8,069 |
| Return on Equity (ROE) | -217.5413% | 8,078 |
| Retained earnings to average equity (ytd only) | -217.5413% | 8,078 |
| Net charge-offs to loans | 15.7430% | 13 |
| Credit loss provision to net charge-offs | 97.3298% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.0782% | 6,157 |
| Efficiency ratio | 172.7210% | 222 |
| Assets per employee ($millions) | 14.7012% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4615% | 1,099 |
| Loan loss allowance to noncurrent loans | 8.1704% | 7,479 |
| Noncurrent assets plus other real estate owned to assets | 23.9790% | 24 |
| Noncurrent loans to loans | 30.1268% | 17 |
| Net loans and leases to total assets | 70.2426% | 3,452 |
| Net loans and leases to deposits | 70.8005% | 5,811 |
| Net loans and leases to core deposits | 105.9672% | 3,703 |
| Total domestic deposits to total assets | 99.2120% | 7 |
| Equity capital to assets | 0.5217% | 8,079 |
| Core capital (leverage) ratio | 0.3219% | 8,082 |
| Tier 1 risk-based capital ratio | 0.4153% | 8,083 |
| Total risk-based capital ratio | 0.8306% | 8,083 |
| Memoranda: | ||
| Average total assets | $278,691,250 | 2,371 |
| Average earning assets | $255,917,000 | 2,377 |
| Average equity | $17,360,250 | 3,635 |
| Average total loans | $228,997,500 | 2,062 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9302% | 6,965 |
| Cost of funding earning assets | 3.1631% | 292 |
| Net interest margin | 1.7671% | 7,954 |
| Noninterest income to average assets | 0.0863% | 7,543 |
| Noninterest expense to average assets | 2.0659% | 7,343 |
| Loan and lease loss provision to assets | 11.8707% | 19 |
| Net operating income to assets | -12.2421% | 8,151 |
| Return on assets (ROA) | -12.1142% | 8,145 |
| Pretax return on assets | -12.1142% | 8,139 |
| Return on Equity (ROE) | -146.4149% | 8,124 |
| Retained earnings to average equity (ytd only) | -146.4149% | 8,122 |
| Net charge-offs to loans | 3.7691% | 392 |
| Credit loss provision to net charge-offs | 367.0434% | 1,269 |
| Earnings coverage of net charge-offs (x) | -0.1148% | 5,811 |
| Efficiency ratio | 121.9154% | 631 |
| Assets per employee ($millions) | 12.1212% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4940% | 42 |
| Loan loss allowance to noncurrent loans | 40.3813% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 17.8440% | 63 |
| Noncurrent loans to loans | 18.5580% | 66 |
| Net loans and leases to total assets | 78.5841% | 1,620 |
| Net loans and leases to deposits | 82.5178% | 4,131 |
| Net loans and leases to core deposits | 129.5245% | 1,609 |
| Total domestic deposits to total assets | 95.2329% | 30 |
| Equity capital to assets | 4.5483% | 8,068 |
| Core capital (leverage) ratio | 4.5627% | 8,051 |
| Tier 1 risk-based capital ratio | 5.4883% | 8,079 |
| Total risk-based capital ratio | 6.8176% | 8,083 |
| Memoranda: | ||
| Average total assets | $273,580,330 | 2,419 |
| Average earning assets | $248,996,330 | 2,448 |
| Average equity | $22,635,670 | 2,897 |
| Average total loans | $234,749,330 | 2,048 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3791% | 5,532 |
| Cost of funding earning assets | 3.1670% | 377 |
| Net interest margin | 2.2122% | 7,787 |
| Noninterest income to average assets | 0.0502% | 7,830 |
| Noninterest expense to average assets | 1.8112% | 7,687 |
| Loan and lease loss provision to assets | 0.1639% | 4,836 |
| Net operating income to assets | 0.1476% | 5,828 |
| Return on assets (ROA) | 0.5432% | 4,430 |
| Pretax return on assets | 0.5432% | 4,938 |
| Return on Equity (ROE) | 5.3307% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.3307% | 2,944 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3268% | 2,155 |
| Assets per employee ($millions) | 12.6810% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5335% | 741 |
| Loan loss allowance to noncurrent loans | 53.7477% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 5.5530% | 762 |
| Noncurrent loans to loans | 4.7137% | 1,184 |
| Net loans and leases to total assets | 83.3588% | 795 |
| Net loans and leases to deposits | 93.1864% | 2,404 |
| Net loans and leases to core deposits | 146.6885% | 827 |
| Total domestic deposits to total assets | 89.4538% | 1,029 |
| Equity capital to assets | 10.2942% | 3,660 |
| Core capital (leverage) ratio | 10.5490% | 2,873 |
| Tier 1 risk-based capital ratio | 11.7574% | 5,163 |
| Total risk-based capital ratio | 13.0225% | 5,070 |
| Memoranda: | ||
| Average total assets | $270,976,500 | 2,453 |
| Average earning assets | $253,870,000 | 2,415 |
| Average equity | $27,613,500 | 2,446 |
| Average total loans | $233,708,500 | 2,066 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9796% | 5,644 |
| Cost of funding earning assets | 3.8988% | 140 |
| Net interest margin | 2.0808% | 8,025 |
| Noninterest income to average assets | 0.0607% | 7,844 |
| Noninterest expense to average assets | 2.1984% | 6,966 |
| Loan and lease loss provision to assets | 2.3219% | 475 |
| Net operating income to assets | -2.4232% | 7,690 |
| Return on assets (ROA) | -2.4232% | 7,657 |
| Pretax return on assets | -2.4232% | 7,570 |
| Return on Equity (ROE) | -21.5655% | 7,792 |
| Retained earnings to average equity (ytd only) | -21.5655% | 7,718 |
| Net charge-offs to loans | 0.6627% | 1,869 |
| Credit loss provision to net charge-offs | 406.9625% | 1,078 |
| Earnings coverage of net charge-offs (x) | -0.1775% | 6,362 |
| Efficiency ratio | 104.8293% | 841 |
| Assets per employee ($millions) | 11.9532% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5934% | 614 |
| Loan loss allowance to noncurrent loans | 52.7701% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 5.6748% | 555 |
| Noncurrent loans to loans | 4.9145% | 912 |
| Net loans and leases to total assets | 84.7553% | 770 |
| Net loans and leases to deposits | 94.6874% | 2,662 |
| Net loans and leases to core deposits | 157.3529% | 635 |
| Total domestic deposits to total assets | 89.5106% | 843 |
| Equity capital to assets | 10.0802% | 3,941 |
| Core capital (leverage) ratio | 9.9304% | 3,515 |
| Tier 1 risk-based capital ratio | 10.8505% | 5,862 |
| Total risk-based capital ratio | 12.1154% | 5,758 |
| Memoranda: | ||
| Average total assets | $229,078,400 | 2,774 |
| Average earning assets | $224,195,200 | 2,608 |
| Average equity | $25,740,200 | 2,580 |
| Average total loans | $197,232,000 | 2,326 |