Home > Sonoma Valley Bank > Performance and Condition Ratios
Sonoma Valley Bank, Performance and Condition Ratios
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9375% | 5,240 |
| Cost of funding earning assets | 1.0640% | 5,851 |
| Net interest margin | 3.8735% | 3,566 |
| Noninterest income to average assets | 0.5181% | 3,970 |
| Noninterest expense to average assets | 1.9560% | 7,177 |
| Loan and lease loss provision to assets | 2.3833% | 483 |
| Net operating income to assets | -0.3280% | 6,504 |
| Return on assets (ROA) | -0.1924% | 6,395 |
| Pretax return on assets | -0.1924% | 6,329 |
| Return on Equity (ROE) | -3.8163% | 6,606 |
| Retained earnings to average equity (ytd only) | -3.8163% | 6,418 |
| Net charge-offs to loans | 3.8236% | 355 |
| Credit loss provision to net charge-offs | 83.5488% | 4,607 |
| Earnings coverage of net charge-offs (x) | 0.7205% | 5,028 |
| Efficiency ratio | 48.7622% | 7,306 |
| Assets per employee ($millions) | 7.0232% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8395% | 194 |
| Loan loss allowance to noncurrent loans | 31.0611% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 12.3730% | 253 |
| Noncurrent loans to loans | 15.5805% | 151 |
| Net loans and leases to total assets | 71.3888% | 2,567 |
| Net loans and leases to deposits | 94.1918% | 1,250 |
| Net loans and leases to core deposits | 99.8660% | 2,035 |
| Total domestic deposits to total assets | 75.7909% | 6,731 |
| Equity capital to assets | 5.5133% | 7,591 |
| Core capital (leverage) ratio | 4.1955% | 7,670 |
| Tier 1 risk-based capital ratio | 5.3020% | 7,685 |
| Total risk-based capital ratio | 6.5923% | 7,684 |
| Memoranda: | ||
| Average total assets | $352,454,330 | 1,897 |
| Average earning assets | $317,855,670 | 1,912 |
| Average equity | $17,765,670 | 3,497 |
| Average total loans | $262,943,330 | 1,729 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1026% | 4,514 |
| Cost of funding earning assets | 1.0756% | 6,018 |
| Net interest margin | 4.0270% | 2,756 |
| Noninterest income to average assets | 0.4943% | 4,094 |
| Noninterest expense to average assets | 4.9727% | 371 |
| Loan and lease loss provision to assets | 2.1104% | 524 |
| Net operating income to assets | -2.9667% | 7,635 |
| Return on assets (ROA) | -2.9667% | 7,630 |
| Pretax return on assets | -2.9667% | 7,592 |
| Return on Equity (ROE) | -61.5597% | 7,748 |
| Retained earnings to average equity (ytd only) | -61.5597% | 7,740 |
| Net charge-offs to loans | 3.7497% | 368 |
| Credit loss provision to net charge-offs | 75.6369% | 3,986 |
| Earnings coverage of net charge-offs (x) | -0.3069% | 5,210 |
| Efficiency ratio | 120.8041% | 433 |
| Assets per employee ($millions) | 6.8490% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7051% | 219 |
| Loan loss allowance to noncurrent loans | 40.2443% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 9.2602% | 463 |
| Noncurrent loans to loans | 11.6913% | 305 |
| Net loans and leases to total assets | 69.4878% | 3,056 |
| Net loans and leases to deposits | 89.9924% | 1,902 |
| Net loans and leases to core deposits | 95.9565% | 2,596 |
| Total domestic deposits to total assets | 77.2152% | 6,512 |
| Equity capital to assets | 4.4213% | 7,764 |
| Core capital (leverage) ratio | 3.2455% | 7,831 |
| Tier 1 risk-based capital ratio | 4.1478% | 7,838 |
| Total risk-based capital ratio | 5.4364% | 7,840 |
| Memoranda: | ||
| Average total assets | $360,125,000 | 1,903 |
| Average earning assets | $323,915,500 | 1,925 |
| Average equity | $17,355,500 | 3,591 |
| Average total loans | $267,965,000 | 1,754 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9065% | 2,200 |
| Cost of funding earning assets | 1.2618% | 6,431 |
| Net interest margin | 4.6448% | 910 |
| Noninterest income to average assets | 0.6011% | 3,624 |
| Noninterest expense to average assets | 2.6410% | 5,627 |
| Loan and lease loss provision to assets | 9.2232% | 20 |
| Net operating income to assets | -5.7004% | 7,815 |
| Return on assets (ROA) | -5.7004% | 7,809 |
| Pretax return on assets | -7.0280% | 7,873 |
| Return on Equity (ROE) | -72.7586% | 7,824 |
| Retained earnings to average equity (ytd only) | -72.7586% | 7,821 |
| Net charge-offs to loans | 8.3956% | 73 |
| Credit loss provision to net charge-offs | 134.7852% | 3,681 |
| Earnings coverage of net charge-offs (x) | 0.3208% | 5,793 |
| Efficiency ratio | 54.6101% | 7,164 |
| Assets per employee ($millions) | 6.7406% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8172% | 193 |
| Loan loss allowance to noncurrent loans | 58.8665% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 7.2912% | 684 |
| Noncurrent loans to loans | 8.1832% | 603 |
| Net loans and leases to total assets | 72.2657% | 2,688 |
| Net loans and leases to deposits | 88.4978% | 2,473 |
| Net loans and leases to core deposits | 119.5822% | 1,981 |
| Total domestic deposits to total assets | 81.6581% | 5,079 |
| Equity capital to assets | 5.2237% | 7,769 |
| Core capital (leverage) ratio | 4.2503% | 7,826 |
| Tier 1 risk-based capital ratio | 5.0671% | 7,865 |
| Total risk-based capital ratio | 6.3571% | 7,865 |
| Memoranda: | ||
| Average total assets | $337,520,000 | 2,015 |
| Average earning assets | $307,743,600 | 2,024 |
| Average equity | $26,443,600 | 2,493 |
| Average total loans | $275,095,200 | 1,750 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0658% | 1,772 |
| Cost of funding earning assets | 1.3326% | 6,457 |
| Net interest margin | 4.7332% | 787 |
| Noninterest income to average assets | 0.6021% | 3,684 |
| Noninterest expense to average assets | 2.7601% | 5,063 |
| Loan and lease loss provision to assets | 11.7581% | 13 |
| Net operating income to assets | -7.7259% | 8,003 |
| Return on assets (ROA) | -7.7259% | 8,002 |
| Pretax return on assets | -9.5816% | 8,036 |
| Return on Equity (ROE) | -90.5117% | 7,990 |
| Retained earnings to average equity (ytd only) | -90.5117% | 7,989 |
| Net charge-offs to loans | 10.4105% | 43 |
| Credit loss provision to net charge-offs | 136.0705% | 3,648 |
| Earnings coverage of net charge-offs (x) | 0.2519% | 5,765 |
| Efficiency ratio | 55.9120% | 7,013 |
| Assets per employee ($millions) | 6.2051% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7272% | 171 |
| Loan loss allowance to noncurrent loans | 48.1720% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 8.0773% | 527 |
| Noncurrent loans to loans | 9.8132% | 413 |
| Net loans and leases to total assets | 77.0319% | 1,780 |
| Net loans and leases to deposits | 89.1986% | 2,742 |
| Net loans and leases to core deposits | 122.7409% | 2,018 |
| Total domestic deposits to total assets | 86.3600% | 2,506 |
| Equity capital to assets | 5.5985% | 7,908 |
| Core capital (leverage) ratio | 4.1566% | 7,973 |
| Tier 1 risk-based capital ratio | 5.1070% | 7,991 |
| Total risk-based capital ratio | 6.3967% | 7,993 |
| Memoranda: | ||
| Average total assets | $332,586,500 | 2,060 |
| Average earning assets | $304,564,000 | 2,065 |
| Average equity | $28,389,000 | 2,365 |
| Average total loans | $276,059,500 | 1,765 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0681% | 1,906 |
| Cost of funding earning assets | 1.3543% | 6,634 |
| Net interest margin | 4.7138% | 778 |
| Noninterest income to average assets | 0.5920% | 3,761 |
| Noninterest expense to average assets | 2.7743% | 5,070 |
| Loan and lease loss provision to assets | 2.9419% | 518 |
| Net operating income to assets | -0.3352% | 6,366 |
| Return on assets (ROA) | -0.3352% | 6,380 |
| Pretax return on assets | -0.7934% | 6,677 |
| Return on Equity (ROE) | -3.5191% | 6,419 |
| Retained earnings to average equity (ytd only) | -3.5191% | 6,045 |
| Net charge-offs to loans | 0.9231% | 1,865 |
| Credit loss provision to net charge-offs | 380.6552% | 1,218 |
| Earnings coverage of net charge-offs (x) | 2.7800% | 3,694 |
| Efficiency ratio | 56.3556% | 7,074 |
| Assets per employee ($millions) | 6.4536% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0153% | 562 |
| Loan loss allowance to noncurrent loans | 75.1349% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 3.4291% | 1,822 |
| Noncurrent loans to loans | 4.0132% | 1,685 |
| Net loans and leases to total assets | 81.1526% | 1,106 |
| Net loans and leases to deposits | 104.2034% | 896 |
| Net loans and leases to core deposits | 132.6701% | 1,389 |
| Total domestic deposits to total assets | 77.8790% | 6,109 |
| Equity capital to assets | 9.8316% | 4,176 |
| Core capital (leverage) ratio | 9.5062% | 3,875 |
| Tier 1 risk-based capital ratio | 10.5927% | 6,304 |
| Total risk-based capital ratio | 11.8599% | 6,218 |
| Memoranda: | ||
| Average total assets | $331,757,670 | 2,094 |
| Average earning assets | $304,807,670 | 2,086 |
| Average equity | $31,599,000 | 2,139 |
| Average total loans | $277,772,670 | 1,785 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1953% | 1,618 |
| Cost of funding earning assets | 1.4454% | 6,594 |
| Net interest margin | 4.7499% | 687 |
| Noninterest income to average assets | 0.5866% | 3,646 |
| Noninterest expense to average assets | 2.8621% | 4,294 |
| Loan and lease loss provision to assets | 0.7715% | 1,669 |
| Net operating income to assets | 0.9075% | 2,673 |
| Return on assets (ROA) | 0.9075% | 2,822 |
| Pretax return on assets | 1.3116% | 2,246 |
| Return on Equity (ROE) | 9.6912% | 2,449 |
| Retained earnings to average equity (ytd only) | 9.6912% | 1,281 |
| Net charge-offs to loans | 0.9066% | 1,453 |
| Credit loss provision to net charge-offs | 101.6129% | 3,678 |
| Earnings coverage of net charge-offs (x) | 2.7435% | 3,394 |
| Efficiency ratio | 57.8752% | 6,721 |
| Assets per employee ($millions) | 6.2541% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8026% | 1,844 |
| Loan loss allowance to noncurrent loans | 85.9090% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.8439% | 3,151 |
| Noncurrent loans to loans | 2.0983% | 3,118 |
| Net loans and leases to total assets | 82.8625% | 875 |
| Net loans and leases to deposits | 100.7283% | 1,312 |
| Net loans and leases to core deposits | 128.6130% | 1,736 |
| Total domestic deposits to total assets | 82.2634% | 4,446 |
| Equity capital to assets | 9.3349% | 4,880 |
| Core capital (leverage) ratio | 9.2970% | 4,251 |
| Tier 1 risk-based capital ratio | 10.0306% | 6,882 |
| Total risk-based capital ratio | 11.2862% | 6,794 |
| Memoranda: | ||
| Average total assets | $326,616,000 | 2,129 |
| Average earning assets | $299,709,000 | 2,127 |
| Average equity | $30,584,500 | 2,220 |
| Average total loans | $273,556,500 | 1,807 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0811% | 945 |
| Cost of funding earning assets | 1.9356% | 6,626 |
| Net interest margin | 5.1456% | 373 |
| Noninterest income to average assets | 0.6934% | 3,159 |
| Noninterest expense to average assets | 2.7474% | 5,059 |
| Loan and lease loss provision to assets | 0.6865% | 2,126 |
| Net operating income to assets | 1.2875% | 1,516 |
| Return on assets (ROA) | 1.2875% | 1,471 |
| Pretax return on assets | 1.9718% | 657 |
| Return on Equity (ROE) | 13.6468% | 1,173 |
| Retained earnings to average equity (ytd only) | 10.1980% | 421 |
| Net charge-offs to loans | 0.3105% | 3,318 |
| Credit loss provision to net charge-offs | 263.4207% | 1,758 |
| Earnings coverage of net charge-offs (x) | 10.1998% | 2,559 |
| Efficiency ratio | 50.8246% | 7,602 |
| Assets per employee ($millions) | 5.9586% | 1,157 |
| Cash dividends to net income (ytd only)* | 25.2717% | 4,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8818% | 1,459 |
| Loan loss allowance to noncurrent loans | 80.6410% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 2.0279% | 2,430 |
| Noncurrent loans to loans | 2.3335% | 2,367 |
| Net loans and leases to total assets | 81.5431% | 1,313 |
| Net loans and leases to deposits | 103.2505% | 1,432 |
| Net loans and leases to core deposits | 129.1441% | 1,916 |
| Total domestic deposits to total assets | 78.9760% | 5,385 |
| Equity capital to assets | 9.3941% | 4,826 |
| Core capital (leverage) ratio | 9.2223% | 4,409 |
| Tier 1 risk-based capital ratio | 10.0592% | 6,677 |
| Total risk-based capital ratio | 11.3152% | 6,544 |
| Memoranda: | ||
| Average total assets | $307,339,800 | 2,165 |
| Average earning assets | $281,466,000 | 2,167 |
| Average equity | $28,995,800 | 2,334 |
| Average total loans | $257,953,200 | 1,853 |