Home > The Apple Valley Bank & Trust Company > Performance and Condition Ratios
The Apple Valley Bank & Trust Company, Performance and Condition Ratios
| 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 | 6.0006% | 2,361 |
| Cost of funding earning assets | 3.0154% | 584 |
| Net interest margin | 2.9852% | 6,520 |
| Noninterest income to average assets | 0.2410% | 6,530 |
| Noninterest expense to average assets | 4.4733% | 730 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.1328% | 7,324 |
| Return on assets (ROA) | -1.1328% | 7,335 |
| Pretax return on assets | -1.8558% | 7,489 |
| Return on Equity (ROE) | -16.0519% | 7,646 |
| Retained earnings to average equity (ytd only) | -16.0519% | 7,493 |
| Net charge-offs to loans | -0.0127% | 7,331 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 170.9024% | 271 |
| Assets per employee ($millions) | 3.2526% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 5,132 |
| Loan loss allowance to noncurrent loans | 25.1698% | 6,889 |
| Noncurrent assets plus other real estate owned to assets | 3.9046% | 1,337 |
| Noncurrent loans to loans | 4.5638% | 1,252 |
| Net loans and leases to total assets | 71.6370% | 3,314 |
| Net loans and leases to deposits | 81.3170% | 4,403 |
| Net loans and leases to core deposits | 99.2562% | 4,617 |
| Total domestic deposits to total assets | 88.0960% | 1,701 |
| Equity capital to assets | 6.8004% | 7,766 |
| Core capital (leverage) ratio | 4.9939% | 8,126 |
| Tier 1 risk-based capital ratio | 7.2556% | 8,077 |
| Total risk-based capital ratio | 8.5053% | 8,089 |
| Memoranda: | ||
| Average total assets | $82,981,000 | 5,706 |
| Average earning assets | $66,060,000 | 6,037 |
| Average equity | $5,856,000 | 6,827 |
| Average total loans | $63,111,000 | 5,240 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3439% | 3,716 |
| Cost of funding earning assets | 3.1061% | 1,489 |
| Net interest margin | 3.2379% | 6,250 |
| Noninterest income to average assets | 0.2248% | 6,834 |
| Noninterest expense to average assets | 3.7437% | 1,868 |
| Loan and lease loss provision to assets | 0.6409% | 2,269 |
| Net operating income to assets | -0.7526% | 7,103 |
| Return on assets (ROA) | -0.7526% | 7,009 |
| Pretax return on assets | -1.2252% | 7,128 |
| Return on Equity (ROE) | -9.3078% | 7,224 |
| Retained earnings to average equity (ytd only) | -9.3078% | 7,004 |
| Net charge-offs to loans | 0.7237% | 1,706 |
| Credit loss provision to net charge-offs | 106.6239% | 5,032 |
| Earnings coverage of net charge-offs (x) | -0.9722% | 6,588 |
| Efficiency ratio | 118.4959% | 588 |
| Assets per employee ($millions) | 3.1305% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 5,409 |
| Loan loss allowance to noncurrent loans | 43.0411% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 2.6243% | 1,821 |
| Noncurrent loans to loans | 2.5117% | 2,167 |
| Net loans and leases to total assets | 78.9174% | 1,910 |
| Net loans and leases to deposits | 90.8607% | 3,307 |
| Net loans and leases to core deposits | 114.3585% | 3,295 |
| Total domestic deposits to total assets | 86.8553% | 2,002 |
| Equity capital to assets | 7.3236% | 7,534 |
| Core capital (leverage) ratio | 5.4838% | 8,164 |
| Tier 1 risk-based capital ratio | 7.2838% | 8,151 |
| Total risk-based capital ratio | 8.4675% | 8,172 |
| Memoranda: | ||
| Average total assets | $77,863,400 | 5,770 |
| Average earning assets | $70,571,200 | 5,798 |
| Average equity | $6,295,800 | 6,705 |
| Average total loans | $64,670,200 | 5,068 |