Home > The Bank of Vernon > Performance and Condition Ratios
The Bank of Vernon, 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 | 4.9378% | 7,079 |
| Cost of funding earning assets | 1.8884% | 4,698 |
| Net interest margin | 3.0494% | 6,341 |
| Noninterest income to average assets | 0.4614% | 4,671 |
| Noninterest expense to average assets | 3.2295% | 2,857 |
| Loan and lease loss provision to assets | 3.5331% | 294 |
| Net operating income to assets | -3.6545% | 7,942 |
| Return on assets (ROA) | -3.8609% | 7,962 |
| Pretax return on assets | -3.8609% | 7,886 |
| Return on Equity (ROE) | -33.2332% | 7,928 |
| Retained earnings to average equity (ytd only) | -33.2332% | 7,889 |
| Net charge-offs to loans | 10.8995% | 52 |
| Credit loss provision to net charge-offs | 67.6744% | 4,393 |
| Earnings coverage of net charge-offs (x) | -0.0233% | 5,003 |
| Efficiency ratio | 99.6094% | 1,146 |
| Assets per employee ($millions) | 4.2215% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,168 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,576 |
| Noncurrent assets plus other real estate owned to assets | 0.5330% | 5,889 |
| Noncurrent loans to loans | 1.1562% | 4,673 |
| Net loans and leases to total assets | 46.0974% | 7,182 |
| Net loans and leases to deposits | 51.8519% | 7,412 |
| Net loans and leases to core deposits | 72.6763% | 6,878 |
| Total domestic deposits to total assets | 88.9020% | 1,272 |
| Equity capital to assets | 10.8581% | 3,114 |
| Core capital (leverage) ratio | 10.3294% | 3,085 |
| Tier 1 risk-based capital ratio | 17.4854% | 2,191 |
| Total risk-based capital ratio | 17.4854% | 2,543 |
| Memoranda: | ||
| Average total assets | $32,946,000 | 7,533 |
| Average earning assets | $28,596,000 | 7,588 |
| Average equity | $3,827,500 | 7,510 |
| Average total loans | $15,780,500 | 7,590 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5683% | 7,156 |
| Cost of funding earning assets | 2.3711% | 4,846 |
| Net interest margin | 3.1973% | 6,372 |
| Noninterest income to average assets | 0.4163% | 5,331 |
| Noninterest expense to average assets | 2.9641% | 4,209 |
| Loan and lease loss provision to assets | 0.1895% | 4,987 |
| Net operating income to assets | 0.1243% | 6,044 |
| Return on assets (ROA) | 0.1243% | 5,891 |
| Pretax return on assets | 0.1243% | 5,897 |
| Return on Equity (ROE) | 1.0171% | 5,910 |
| Retained earnings to average equity (ytd only) | -0.1271% | 5,316 |
| Net charge-offs to loans | 0.1056% | 5,242 |
| Credit loss provision to net charge-offs | 358.8235% | 1,236 |
| Earnings coverage of net charge-offs (x) | 5.9412% | 3,484 |
| Efficiency ratio | 86.1611% | 1,838 |
| Assets per employee ($millions) | 4.0150% | 3,483 |
| Cash dividends to net income (ytd only)* | 112.5000% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 6,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 49.3587% | 7,083 |
| Net loans and leases to deposits | 56.5024% | 7,284 |
| Net loans and leases to core deposits | 74.3377% | 6,955 |
| Total domestic deposits to total assets | 87.3568% | 1,774 |
| Equity capital to assets | 12.4159% | 2,055 |
| Core capital (leverage) ratio | 11.7447% | 2,101 |
| Tier 1 risk-based capital ratio | 18.8532% | 1,847 |
| Total risk-based capital ratio | 19.5554% | 1,909 |
| Memoranda: | ||
| Average total assets | $32,185,200 | 7,550 |
| Average earning assets | $28,805,800 | 7,572 |
| Average equity | $3,932,800 | 7,537 |
| Average total loans | $16,096,000 | 7,579 |