Home > The State Bank of Viroqua > Performance and Condition Ratios
The State Bank of Viroqua, Performance and Condition Ratios
| 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 | 6.2393% | 4,304 |
| Cost of funding earning assets | 2.5339% | 4,029 |
| Net interest margin | 3.7053% | 4,452 |
| Noninterest income to average assets | 0.5556% | 4,190 |
| Noninterest expense to average assets | 2.3971% | 6,403 |
| Loan and lease loss provision to assets | 0.2200% | 4,684 |
| Net operating income to assets | 1.0157% | 2,494 |
| Return on assets (ROA) | 1.0157% | 2,380 |
| Pretax return on assets | 1.4493% | 1,827 |
| Return on Equity (ROE) | 11.1424% | 1,861 |
| Retained earnings to average equity (ytd only) | -5.2678% | 6,552 |
| Net charge-offs to loans | 0.3766% | 2,960 |
| Credit loss provision to net charge-offs | 72.0165% | 6,043 |
| Earnings coverage of net charge-offs (x) | 5.4650% | 3,637 |
| Efficiency ratio | 58.9490% | 6,534 |
| Assets per employee ($millions) | 3.6344% | 4,330 |
| Cash dividends to net income (ytd only)* | 147.2772% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 5,331 |
| Loan loss allowance to noncurrent loans | 15.1940% | 7,388 |
| Noncurrent assets plus other real estate owned to assets | 5.9760% | 501 |
| Noncurrent loans to loans | 7.1922% | 409 |
| Net loans and leases to total assets | 82.1821% | 1,195 |
| Net loans and leases to deposits | 92.1841% | 3,099 |
| Net loans and leases to core deposits | 103.7413% | 4,419 |
| Total domestic deposits to total assets | 89.1499% | 983 |
| Equity capital to assets | 9.2372% | 5,021 |
| Core capital (leverage) ratio | 9.1764% | 4,477 |
| Tier 1 risk-based capital ratio | 11.1203% | 5,625 |
| Total risk-based capital ratio | 12.2073% | 5,672 |
| Memoranda: | ||
| Average total assets | $79,554,000 | 5,718 |
| Average earning assets | $75,377,600 | 5,616 |
| Average equity | $7,251,600 | 6,366 |
| Average total loans | $64,518,400 | 5,077 |