Home > The Bank of Venice > Performance and Condition Ratios
The Bank of Venice, Performance and Condition Ratios
| 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 | 5.3651% | 5,326 |
| Cost of funding earning assets | 2.8348% | 721 |
| Net interest margin | 2.5303% | 7,447 |
| Noninterest income to average assets | 0.3035% | 6,092 |
| Noninterest expense to average assets | 4.1053% | 1,184 |
| Loan and lease loss provision to assets | 1.4838% | 1,150 |
| Net operating income to assets | -1.9826% | 7,423 |
| Return on assets (ROA) | -1.9826% | 7,421 |
| Pretax return on assets | -3.1692% | 7,608 |
| Return on Equity (ROE) | -14.4657% | 7,309 |
| Retained earnings to average equity (ytd only) | -14.4657% | 7,211 |
| Net charge-offs to loans | 2.3997% | 742 |
| Credit loss provision to net charge-offs | 87.3750% | 4,999 |
| Earnings coverage of net charge-offs (x) | -0.9925% | 6,229 |
| Efficiency ratio | 159.4737% | 330 |
| Assets per employee ($millions) | 3.9711% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7557% | 709 |
| Loan loss allowance to noncurrent loans | 85.0476% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 2.4229% | 2,670 |
| Noncurrent loans to loans | 3.2402% | 2,193 |
| Net loans and leases to total assets | 69.0042% | 3,945 |
| Net loans and leases to deposits | 87.6041% | 3,240 |
| Net loans and leases to core deposits | 114.6263% | 2,839 |
| Total domestic deposits to total assets | 78.7683% | 5,872 |
| Equity capital to assets | 13.9673% | 1,321 |
| Core capital (leverage) ratio | 6.5126% | 7,790 |
| Tier 1 risk-based capital ratio | 10.4485% | 6,429 |
| Total risk-based capital ratio | 11.7213% | 6,348 |
| Memoranda: | ||
| Average total assets | $94,220,330 | 5,333 |
| Average earning assets | $78,806,330 | 5,570 |
| Average equity | $12,913,330 | 4,568 |
| Average total loans | $66,675,330 | 5,083 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5432% | 4,678 |
| Cost of funding earning assets | 2.9455% | 690 |
| Net interest margin | 2.5978% | 7,369 |
| Noninterest income to average assets | 0.2676% | 6,302 |
| Noninterest expense to average assets | 3.7256% | 1,604 |
| Loan and lease loss provision to assets | 1.4384% | 882 |
| Net operating income to assets | -1.7102% | 7,576 |
| Return on assets (ROA) | -1.7102% | 7,575 |
| Pretax return on assets | -2.7095% | 7,703 |
| Return on Equity (ROE) | -12.5928% | 7,502 |
| Retained earnings to average equity (ytd only) | -12.5928% | 7,298 |
| Net charge-offs to loans | 0.5266% | 2,139 |
| Credit loss provision to net charge-offs | 386.5169% | 1,335 |
| Earnings coverage of net charge-offs (x) | -3.4157% | 5,524 |
| Efficiency ratio | 141.9080% | 398 |
| Assets per employee ($millions) | 4.3260% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1846% | 410 |
| Loan loss allowance to noncurrent loans | 643.2432% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 6,152 |
| Noncurrent loans to loans | 0.4951% | 6,189 |
| Net loans and leases to total assets | 65.4492% | 4,717 |
| Net loans and leases to deposits | 90.0206% | 2,925 |
| Net loans and leases to core deposits | 120.0834% | 2,407 |
| Total domestic deposits to total assets | 72.7047% | 7,101 |
| Equity capital to assets | 12.8667% | 1,802 |
| Core capital (leverage) ratio | 6.8932% | 7,700 |
| Tier 1 risk-based capital ratio | 10.3559% | 6,538 |
| Total risk-based capital ratio | 11.6381% | 6,419 |
| Memoranda: | ||
| Average total assets | $95,663,000 | 5,310 |
| Average earning assets | $80,530,500 | 5,535 |
| Average equity | $12,991,500 | 4,578 |
| Average total loans | $67,607,500 | 5,065 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3900% | 3,469 |
| Cost of funding earning assets | 3.0314% | 1,748 |
| Net interest margin | 3.3586% | 5,828 |
| Noninterest income to average assets | 0.1606% | 7,274 |
| Noninterest expense to average assets | 3.9577% | 1,474 |
| Loan and lease loss provision to assets | 2.0046% | 598 |
| Net operating income to assets | -1.8980% | 7,585 |
| Return on assets (ROA) | -1.8980% | 7,540 |
| Pretax return on assets | -3.0099% | 7,709 |
| Return on Equity (ROE) | -11.1227% | 7,353 |
| Retained earnings to average equity (ytd only) | -11.1227% | 7,167 |
| Net charge-offs to loans | 0.7305% | 1,691 |
| Credit loss provision to net charge-offs | 362.1212% | 1,223 |
| Earnings coverage of net charge-offs (x) | -1.8160% | 6,697 |
| Efficiency ratio | 124.6347% | 520 |
| Assets per employee ($millions) | 3.9926% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7769% | 524 |
| Loan loss allowance to noncurrent loans | 436.8056% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 5,813 |
| Noncurrent loans to loans | 0.6357% | 5,459 |
| Net loans and leases to total assets | 71.9446% | 3,601 |
| Net loans and leases to deposits | 102.9530% | 1,479 |
| Net loans and leases to core deposits | 139.9170% | 1,276 |
| Total domestic deposits to total assets | 69.8810% | 7,288 |
| Equity capital to assets | 14.3539% | 1,333 |
| Core capital (leverage) ratio | 8.0480% | 6,410 |
| Tier 1 risk-based capital ratio | 11.1487% | 5,599 |
| Total risk-based capital ratio | 12.4175% | 5,461 |
| Memoranda: | ||
| Average total assets | $83,456,800 | 5,582 |
| Average earning assets | $69,374,000 | 5,843 |
| Average equity | $14,241,200 | 4,284 |
| Average total loans | $63,243,200 | 5,134 |