Home > The Rappahannock National Bank of Washington > Performance and Condition Ratios
The Rappahannock National Bank of Washington, Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6075% | 2,033 |
| Cost of funding earning assets | 1.3041% | 4,189 |
| Net interest margin | 4.3034% | 1,841 |
| Noninterest income to average assets | 0.4760% | 4,368 |
| Noninterest expense to average assets | 2.8485% | 4,283 |
| Loan and lease loss provision to assets | 0.2621% | 4,484 |
| Net operating income to assets | 0.8854% | 2,669 |
| Return on assets (ROA) | 0.8864% | 2,808 |
| Pretax return on assets | 1.2813% | 2,223 |
| Return on Equity (ROE) | 9.0482% | 2,475 |
| Retained earnings to average equity (ytd only) | 8.3347% | 1,299 |
| Net charge-offs to loans | 0.4050% | 3,670 |
| Credit loss provision to net charge-offs | 90.7990% | 4,734 |
| Earnings coverage of net charge-offs (x) | 5.3414% | 2,772 |
| Efficiency ratio | 63.4612% | 5,350 |
| Assets per employee ($millions) | 5.2463% | 1,873 |
| Cash dividends to net income (ytd only)* | 7.8865% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 5,790 |
| Loan loss allowance to noncurrent loans | 55.0211% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 1.9746% | 3,501 |
| Noncurrent loans to loans | 2.0609% | 3,607 |
| Net loans and leases to total assets | 70.3829% | 2,642 |
| Net loans and leases to deposits | 80.4626% | 3,362 |
| Net loans and leases to core deposits | 92.5956% | 2,712 |
| Total domestic deposits to total assets | 87.4728% | 2,277 |
| Equity capital to assets | 10.0498% | 4,095 |
| Core capital (leverage) ratio | 7.4340% | 6,895 |
| Tier 1 risk-based capital ratio | 11.6803% | 5,747 |
| Total risk-based capital ratio | 12.9306% | 5,724 |
| Memoranda: | ||
| Average total assets | $190,736,750 | 3,265 |
| Average earning assets | $173,502,250 | 3,258 |
| Average equity | $18,684,500 | 3,362 |
| Average total loans | $135,967,750 | 3,053 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6273% | 2,032 |
| Cost of funding earning assets | 1.3008% | 4,536 |
| Net interest margin | 4.3264% | 1,683 |
| Noninterest income to average assets | 0.4884% | 4,206 |
| Noninterest expense to average assets | 2.8954% | 4,095 |
| Loan and lease loss provision to assets | 0.3955% | 3,343 |
| Net operating income to assets | 0.8343% | 2,807 |
| Return on assets (ROA) | 0.8343% | 2,961 |
| Pretax return on assets | 1.1371% | 2,645 |
| Return on Equity (ROE) | 8.5932% | 2,623 |
| Retained earnings to average equity (ytd only) | 7.5068% | 1,635 |
| Net charge-offs to loans | 0.3062% | 3,781 |
| Credit loss provision to net charge-offs | 181.1594% | 2,168 |
| Earnings coverage of net charge-offs (x) | 7.0193% | 2,371 |
| Efficiency ratio | 63.9828% | 5,340 |
| Assets per employee ($millions) | 5.1559% | 1,979 |
| Cash dividends to net income (ytd only)* | 12.6422% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 5,021 |
| Loan loss allowance to noncurrent loans | 53.9915% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 2.1749% | 3,289 |
| Noncurrent loans to loans | 2.3761% | 3,284 |
| Net loans and leases to total assets | 71.4766% | 2,540 |
| Net loans and leases to deposits | 82.6971% | 3,135 |
| Net loans and leases to core deposits | 93.4457% | 2,797 |
| Total domestic deposits to total assets | 86.4318% | 2,860 |
| Equity capital to assets | 9.8663% | 4,177 |
| Core capital (leverage) ratio | 7.2360% | 7,044 |
| Tier 1 risk-based capital ratio | 11.3440% | 5,910 |
| Total risk-based capital ratio | 12.5968% | 5,892 |
| Memoranda: | ||
| Average total assets | $189,611,000 | 3,310 |
| Average earning assets | $172,659,000 | 3,298 |
| Average equity | $18,410,000 | 3,393 |
| Average total loans | $135,227,000 | 3,100 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5941% | 2,173 |
| Cost of funding earning assets | 1.2834% | 4,911 |
| Net interest margin | 4.3106% | 1,656 |
| Noninterest income to average assets | 0.4571% | 4,405 |
| Noninterest expense to average assets | 2.9625% | 3,811 |
| Loan and lease loss provision to assets | 0.4761% | 2,597 |
| Net operating income to assets | 0.7089% | 3,400 |
| Return on assets (ROA) | 0.7089% | 3,507 |
| Pretax return on assets | 0.9416% | 3,311 |
| Return on Equity (ROE) | 7.3610% | 3,177 |
| Retained earnings to average equity (ytd only) | 5.1637% | 3,064 |
| Net charge-offs to loans | 0.2811% | 3,287 |
| Credit loss provision to net charge-offs | 239.3617% | 1,606 |
| Earnings coverage of net charge-offs (x) | 7.1277% | 2,128 |
| Efficiency ratio | 66.1836% | 5,080 |
| Assets per employee ($millions) | 5.3223% | 1,845 |
| Cash dividends to net income (ytd only)* | 29.8507% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 5,121 |
| Loan loss allowance to noncurrent loans | 71.3111% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.6759% | 3,957 |
| Noncurrent loans to loans | 1.7742% | 4,089 |
| Net loans and leases to total assets | 70.6645% | 2,765 |
| Net loans and leases to deposits | 85.5032% | 2,680 |
| Net loans and leases to core deposits | 97.7596% | 2,368 |
| Total domestic deposits to total assets | 82.6455% | 4,778 |
| Equity capital to assets | 9.5953% | 4,381 |
| Core capital (leverage) ratio | 6.9890% | 7,259 |
| Tier 1 risk-based capital ratio | 10.8528% | 6,289 |
| Total risk-based capital ratio | 12.1080% | 6,273 |
| Memoranda: | ||
| Average total assets | $189,031,500 | 3,377 |
| Average earning assets | $172,039,500 | 3,370 |
| Average equity | $18,204,000 | 3,451 |
| Average total loans | $133,776,500 | 3,191 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5910% | 3,654 |
| Cost of funding earning assets | 2.0689% | 2,637 |
| Net interest margin | 3.5221% | 4,860 |
| Noninterest income to average assets | 0.5460% | 4,056 |
| Noninterest expense to average assets | 2.8381% | 4,806 |
| Loan and lease loss provision to assets | 0.5000% | 3,875 |
| Net operating income to assets | 0.3427% | 4,365 |
| Return on assets (ROA) | 0.3811% | 4,303 |
| Pretax return on assets | 0.4168% | 4,447 |
| Return on Equity (ROE) | 4.0691% | 4,063 |
| Retained earnings to average equity (ytd only) | 2.0490% | 3,670 |
| Net charge-offs to loans | 0.2797% | 4,884 |
| Credit loss provision to net charge-offs | 271.2610% | 1,274 |
| Earnings coverage of net charge-offs (x) | 4.7449% | 2,834 |
| Efficiency ratio | 74.7234% | 3,754 |
| Assets per employee ($millions) | 5.3274% | 1,815 |
| Cash dividends to net income (ytd only)* | 49.6454% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 5,170 |
| Loan loss allowance to noncurrent loans | 96.6285% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 1.3622% | 4,382 |
| Noncurrent loans to loans | 1.2736% | 4,800 |
| Net loans and leases to total assets | 69.0860% | 3,465 |
| Net loans and leases to deposits | 80.3169% | 3,930 |
| Net loans and leases to core deposits | 114.9126% | 2,422 |
| Total domestic deposits to total assets | 86.0168% | 3,014 |
| Equity capital to assets | 9.6659% | 4,192 |
| Core capital (leverage) ratio | 6.9605% | 7,270 |
| Tier 1 risk-based capital ratio | 10.8630% | 6,053 |
| Total risk-based capital ratio | 12.1139% | 6,019 |
| Memoranda: | ||
| Average total assets | $184,985,800 | 3,352 |
| Average earning assets | $166,321,400 | 3,406 |
| Average equity | $17,325,800 | 3,610 |
| Average total loans | $121,919,800 | 3,444 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5590% | 4,099 |
| Cost of funding earning assets | 2.1988% | 2,421 |
| Net interest margin | 3.3602% | 5,408 |
| Noninterest income to average assets | 0.5453% | 4,117 |
| Noninterest expense to average assets | 2.8592% | 4,622 |
| Loan and lease loss provision to assets | 0.4694% | 3,558 |
| Net operating income to assets | 0.2629% | 4,939 |
| Return on assets (ROA) | 0.2636% | 5,033 |
| Pretax return on assets | 0.2304% | 5,227 |
| Return on Equity (ROE) | 2.8374% | 4,860 |
| Retained earnings to average equity (ytd only) | 1.2826% | 4,606 |
| Net charge-offs to loans | 0.2326% | 4,601 |
| Credit loss provision to net charge-offs | 311.0048% | 1,329 |
| Earnings coverage of net charge-offs (x) | 4.6316% | 3,065 |
| Efficiency ratio | 78.5468% | 3,070 |
| Assets per employee ($millions) | 5.0757% | 2,048 |
| Cash dividends to net income (ytd only)* | 54.7950% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 5,319 |
| Loan loss allowance to noncurrent loans | 81.8131% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.4137% | 4,275 |
| Noncurrent loans to loans | 1.4256% | 4,537 |
| Net loans and leases to total assets | 65.9675% | 4,436 |
| Net loans and leases to deposits | 78.6434% | 4,630 |
| Net loans and leases to core deposits | 109.7287% | 3,269 |
| Total domestic deposits to total assets | 83.8818% | 3,781 |
| Equity capital to assets | 9.4904% | 4,757 |
| Core capital (leverage) ratio | 6.8547% | 7,516 |
| Tier 1 risk-based capital ratio | 10.7248% | 6,225 |
| Total risk-based capital ratio | 11.9776% | 6,191 |
| Memoranda: | ||
| Average total assets | $184,617,500 | 3,393 |
| Average earning assets | $165,542,250 | 3,457 |
| Average equity | $17,151,500 | 3,672 |
| Average total loans | $119,794,250 | 3,511 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4880% | 4,703 |
| Cost of funding earning assets | 2.3581% | 2,130 |
| Net interest margin | 3.1299% | 6,152 |
| Noninterest income to average assets | 0.5274% | 4,211 |
| Noninterest expense to average assets | 2.9081% | 4,473 |
| Loan and lease loss provision to assets | 0.3922% | 3,564 |
| Net operating income to assets | 0.0719% | 5,640 |
| Return on assets (ROA) | 0.0730% | 5,732 |
| Pretax return on assets | 0.0207% | 5,824 |
| Return on Equity (ROE) | 0.7916% | 5,693 |
| Retained earnings to average equity (ytd only) | -0.3899% | 5,322 |
| Net charge-offs to loans | 0.1306% | 4,862 |
| Credit loss provision to net charge-offs | 467.5325% | 992 |
| Earnings coverage of net charge-offs (x) | 4.9091% | 2,964 |
| Efficiency ratio | 85.6580% | 2,262 |
| Assets per employee ($millions) | 5.0546% | 2,019 |
| Cash dividends to net income (ytd only)* | 149.2537% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 5,745 |
| Loan loss allowance to noncurrent loans | 61.8303% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 1.9602% | 3,247 |
| Noncurrent loans to loans | 1.7432% | 3,894 |
| Net loans and leases to total assets | 63.9912% | 4,984 |
| Net loans and leases to deposits | 73.4129% | 5,549 |
| Net loans and leases to core deposits | 105.0618% | 3,950 |
| Total domestic deposits to total assets | 87.1661% | 2,162 |
| Equity capital to assets | 9.0803% | 5,198 |
| Core capital (leverage) ratio | 6.7404% | 7,685 |
| Tier 1 risk-based capital ratio | 10.7485% | 6,138 |
| Total risk-based capital ratio | 11.8912% | 6,176 |
| Memoranda: | ||
| Average total assets | $183,556,670 | 3,430 |
| Average earning assets | $163,774,330 | 3,490 |
| Average equity | $16,927,670 | 3,725 |
| Average total loans | $117,942,670 | 3,580 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4435% | 5,214 |
| Cost of funding earning assets | 2.4535% | 2,092 |
| Net interest margin | 2.9899% | 6,506 |
| Noninterest income to average assets | 0.5038% | 4,294 |
| Noninterest expense to average assets | 2.8005% | 4,560 |
| Loan and lease loss provision to assets | 0.3300% | 3,342 |
| Net operating income to assets | 0.0374% | 6,171 |
| Return on assets (ROA) | 0.0374% | 6,320 |
| Pretax return on assets | 0.0220% | 6,336 |
| Return on Equity (ROE) | 0.4024% | 6,307 |
| Retained earnings to average equity (ytd only) | -1.9644% | 6,097 |
| Net charge-offs to loans | 0.1099% | 4,091 |
| Credit loss provision to net charge-offs | 468.7500% | 1,133 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,773 |
| Efficiency ratio | 86.7411% | 1,989 |
| Assets per employee ($millions) | 4.6705% | 2,481 |
| Cash dividends to net income (ytd only)* | 588.2353% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 6,448 |
| Loan loss allowance to noncurrent loans | 83.2602% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.1487% | 4,376 |
| Noncurrent loans to loans | 1.1495% | 4,694 |
| Net loans and leases to total assets | 63.0908% | 5,145 |
| Net loans and leases to deposits | 71.0325% | 5,865 |
| Net loans and leases to core deposits | 103.4920% | 4,192 |
| Total domestic deposits to total assets | 88.8196% | 1,325 |
| Equity capital to assets | 9.0714% | 5,267 |
| Core capital (leverage) ratio | 6.8789% | 7,707 |
| Tier 1 risk-based capital ratio | 10.7627% | 6,127 |
| Total risk-based capital ratio | 11.7707% | 6,287 |
| Memoranda: | ||
| Average total assets | $181,824,500 | 3,478 |
| Average earning assets | $161,073,500 | 3,553 |
| Average equity | $16,900,500 | 3,751 |
| Average total loans | $116,423,500 | 3,642 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1719% | 4,658 |
| Cost of funding earning assets | 2.6489% | 3,440 |
| Net interest margin | 3.5230% | 5,219 |
| Noninterest income to average assets | 0.7630% | 2,707 |
| Noninterest expense to average assets | 3.4184% | 2,618 |
| Loan and lease loss provision to assets | 0.3914% | 3,345 |
| Net operating income to assets | 0.1455% | 5,990 |
| Return on assets (ROA) | 0.1461% | 5,815 |
| Pretax return on assets | 0.0879% | 5,971 |
| Return on Equity (ROE) | 1.4625% | 5,783 |
| Retained earnings to average equity (ytd only) | 1.4625% | 4,345 |
| Net charge-offs to loans | 0.3086% | 3,332 |
| Credit loss provision to net charge-offs | 185.0000% | 2,679 |
| Earnings coverage of net charge-offs (x) | 2.2625% | 4,947 |
| Efficiency ratio | 85.7143% | 1,885 |
| Assets per employee ($millions) | 4.4208% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 6,694 |
| Loan loss allowance to noncurrent loans | 887.8261% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 5,955 |
| Noncurrent loans to loans | 0.1010% | 7,111 |
| Net loans and leases to total assets | 63.8022% | 5,312 |
| Net loans and leases to deposits | 72.3046% | 6,027 |
| Net loans and leases to core deposits | 105.8566% | 4,210 |
| Total domestic deposits to total assets | 88.2407% | 1,366 |
| Equity capital to assets | 9.5311% | 4,638 |
| Core capital (leverage) ratio | 7.8927% | 6,663 |
| Tier 1 risk-based capital ratio | 11.4825% | 5,252 |
| Total risk-based capital ratio | 12.4440% | 5,429 |
| Memoranda: | ||
| Average total assets | $151,240,000 | 3,876 |
| Average earning assets | $134,545,000 | 3,962 |
| Average equity | $15,110,800 | 4,118 |
| Average total loans | $103,686,400 | 3,858 |