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Valley Bank, Performance and Condition Ratios
| 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 | 4.4481% | 6,906 |
| Cost of funding earning assets | 0.7946% | 7,105 |
| Net interest margin | 3.6535% | 4,471 |
| Noninterest income to average assets | 0.7733% | 2,154 |
| Noninterest expense to average assets | 2.9120% | 4,007 |
| Loan and lease loss provision to assets | 0.8662% | 1,473 |
| Net operating income to assets | 0.1449% | 5,875 |
| Return on assets (ROA) | 0.1449% | 6,003 |
| Pretax return on assets | 0.1449% | 6,029 |
| Return on Equity (ROE) | 1.1396% | 6,084 |
| Retained earnings to average equity (ytd only) | -27.4863% | 7,504 |
| Net charge-offs to loans | 2.1428% | 794 |
| Credit loss provision to net charge-offs | 72.4638% | 4,043 |
| Earnings coverage of net charge-offs (x) | 0.8458% | 4,289 |
| Efficiency ratio | 74.2272% | 3,543 |
| Assets per employee ($millions) | 4.0833% | 3,670 |
| Cash dividends to net income (ytd only)* | 2,511.9565% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 3,421 |
| Loan loss allowance to noncurrent loans | 55.9470% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 2.5056% | 2,901 |
| Noncurrent loans to loans | 2.8679% | 2,810 |
| Net loans and leases to total assets | 55.1236% | 5,872 |
| Net loans and leases to deposits | 65.0425% | 5,939 |
| Net loans and leases to core deposits | 65.8217% | 6,299 |
| Total domestic deposits to total assets | 84.7501% | 3,778 |
| Equity capital to assets | 12.5243% | 1,745 |
| Core capital (leverage) ratio | 7.7437% | 6,577 |
| Tier 1 risk-based capital ratio | 11.0850% | 6,081 |
| Total risk-based capital ratio | 12.3361% | 6,048 |
| Memoranda: | ||
| Average total assets | $253,982,500 | 2,612 |
| Average earning assets | $218,971,000 | 2,749 |
| Average equity | $32,292,500 | 2,078 |
| Average total loans | $141,687,000 | 3,045 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 6,757 |
| Cost of funding earning assets | 0.9695% | 7,264 |
| Net interest margin | 3.9114% | 3,221 |
| Noninterest income to average assets | 0.8779% | 2,036 |
| Noninterest expense to average assets | 2.8131% | 4,920 |
| Loan and lease loss provision to assets | 0.2498% | 5,398 |
| Net operating income to assets | 1.1867% | 1,279 |
| Return on assets (ROA) | 1.1867% | 1,328 |
| Pretax return on assets | 1.1945% | 1,970 |
| Return on Equity (ROE) | 9.2044% | 1,958 |
| Retained earnings to average equity (ytd only) | -1.7584% | 5,450 |
| Net charge-offs to loans | 0.2168% | 5,269 |
| Credit loss provision to net charge-offs | 183.0946% | 2,245 |
| Earnings coverage of net charge-offs (x) | 10.5874% | 1,670 |
| Efficiency ratio | 66.0760% | 5,380 |
| Assets per employee ($millions) | 4.2440% | 3,353 |
| Cash dividends to net income (ytd only)* | 119.1041% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 2,888 |
| Loan loss allowance to noncurrent loans | 48.4465% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 2.8615% | 2,454 |
| Noncurrent loans to loans | 3.5132% | 2,162 |
| Net loans and leases to total assets | 54.6131% | 6,131 |
| Net loans and leases to deposits | 64.8730% | 6,172 |
| Net loans and leases to core deposits | 68.4567% | 6,852 |
| Total domestic deposits to total assets | 84.1846% | 3,945 |
| Equity capital to assets | 12.8974% | 1,547 |
| Core capital (leverage) ratio | 8.5834% | 5,129 |
| Tier 1 risk-based capital ratio | 11.9482% | 4,990 |
| Total risk-based capital ratio | 13.2057% | 4,937 |
| Memoranda: | ||
| Average total assets | $255,842,200 | 2,556 |
| Average earning assets | $221,048,200 | 2,691 |
| Average equity | $32,984,400 | 2,032 |
| Average total loans | $160,977,600 | 2,745 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9453% | 6,779 |
| Cost of funding earning assets | 0.9952% | 7,399 |
| Net interest margin | 3.9501% | 3,034 |
| Noninterest income to average assets | 0.8546% | 2,179 |
| Noninterest expense to average assets | 2.8842% | 4,524 |
| Loan and lease loss provision to assets | 0.2295% | 5,137 |
| Net operating income to assets | 1.1604% | 1,562 |
| Return on assets (ROA) | 1.1604% | 1,623 |
| Pretax return on assets | 1.1640% | 2,372 |
| Return on Equity (ROE) | 9.0013% | 2,258 |
| Retained earnings to average equity (ytd only) | -4.7399% | 6,221 |
| Net charge-offs to loans | 0.1041% | 5,633 |
| Credit loss provision to net charge-offs | 340.3101% | 1,203 |
| Earnings coverage of net charge-offs (x) | 20.6662% | 1,230 |
| Efficiency ratio | 67.4242% | 5,090 |
| Assets per employee ($millions) | 4.0885% | 3,585 |
| Cash dividends to net income (ytd only)* | 152.6573% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 3,177 |
| Loan loss allowance to noncurrent loans | 44.7426% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 2.9232% | 2,373 |
| Noncurrent loans to loans | 3.4732% | 2,154 |
| Net loans and leases to total assets | 61.6788% | 5,292 |
| Net loans and leases to deposits | 73.7298% | 5,395 |
| Net loans and leases to core deposits | 77.5689% | 6,520 |
| Total domestic deposits to total assets | 83.6551% | 3,880 |
| Equity capital to assets | 13.0177% | 1,687 |
| Core capital (leverage) ratio | 8.4267% | 5,627 |
| Tier 1 risk-based capital ratio | 10.5015% | 6,470 |
| Total risk-based capital ratio | 11.7519% | 6,420 |
| Memoranda: | ||
| Average total assets | $255,082,500 | 2,570 |
| Average earning assets | $221,050,750 | 2,708 |
| Average equity | $32,883,250 | 2,059 |
| Average total loans | $165,264,250 | 2,710 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0806% | 6,509 |
| Cost of funding earning assets | 0.9989% | 7,553 |
| Net interest margin | 4.0817% | 2,387 |
| Noninterest income to average assets | 0.8829% | 2,053 |
| Noninterest expense to average assets | 2.8706% | 4,632 |
| Loan and lease loss provision to assets | 0.0282% | 6,961 |
| Net operating income to assets | 1.5053% | 829 |
| Return on assets (ROA) | 1.5053% | 886 |
| Pretax return on assets | 1.5110% | 1,417 |
| Return on Equity (ROE) | 11.8979% | 1,448 |
| Retained earnings to average equity (ytd only) | -8.8361% | 6,757 |
| Net charge-offs to loans | 0.0112% | 6,408 |
| Credit loss provision to net charge-offs | 375.0000% | 1,239 |
| Earnings coverage of net charge-offs (x) | 204.6250% | 204 |
| Efficiency ratio | 65.0959% | 5,700 |
| Assets per employee ($millions) | 3.9169% | 3,847 |
| Cash dividends to net income (ytd only)* | 174.2661% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 4,791 |
| Loan loss allowance to noncurrent loans | 44.2980% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 2.4396% | 2,645 |
| Noncurrent loans to loans | 2.7629% | 2,608 |
| Net loans and leases to total assets | 66.6963% | 4,420 |
| Net loans and leases to deposits | 78.8235% | 4,727 |
| Net loans and leases to core deposits | 82.9596% | 6,161 |
| Total domestic deposits to total assets | 84.6147% | 3,440 |
| Equity capital to assets | 12.6152% | 1,869 |
| Core capital (leverage) ratio | 8.3124% | 5,775 |
| Tier 1 risk-based capital ratio | 9.6516% | 7,272 |
| Total risk-based capital ratio | 10.6814% | 7,413 |
| Memoranda: | ||
| Average total assets | $212,709,000 | 3,076 |
| Average earning assets | $183,796,670 | 3,216 |
| Average equity | $26,912,330 | 2,488 |
| Average total loans | $143,339,000 | 3,093 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1371% | 6,534 |
| Cost of funding earning assets | 1.0470% | 7,598 |
| Net interest margin | 4.0901% | 2,315 |
| Noninterest income to average assets | 0.8757% | 1,955 |
| Noninterest expense to average assets | 2.6966% | 5,023 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6915% | 658 |
| Return on assets (ROA) | 1.6915% | 724 |
| Pretax return on assets | 1.7027% | 1,171 |
| Return on Equity (ROE) | 13.3496% | 1,307 |
| Retained earnings to average equity (ytd only) | -25.0120% | 7,770 |
| Net charge-offs to loans | 0.0028% | 5,696 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 908.0000% | 15 |
| Efficiency ratio | 61.2958% | 6,197 |
| Assets per employee ($millions) | 3.8754% | 3,929 |
| Cash dividends to net income (ytd only)* | 287.3614% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 4,593 |
| Loan loss allowance to noncurrent loans | 91.7553% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.4164% | 3,814 |
| Noncurrent loans to loans | 1.3398% | 4,307 |
| Net loans and leases to total assets | 66.2267% | 4,526 |
| Net loans and leases to deposits | 79.0761% | 4,762 |
| Net loans and leases to core deposits | 82.8919% | 6,156 |
| Total domestic deposits to total assets | 83.7506% | 3,822 |
| Equity capital to assets | 12.4199% | 2,018 |
| Core capital (leverage) ratio | 7.9226% | 6,580 |
| Tier 1 risk-based capital ratio | 9.4665% | 7,451 |
| Total risk-based capital ratio | 10.4947% | 7,617 |
| Memoranda: | ||
| Average total assets | $213,306,500 | 3,079 |
| Average earning assets | $183,760,500 | 3,240 |
| Average equity | $27,027,000 | 2,488 |
| Average total loans | $143,598,500 | 3,115 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7726% | 6,528 |
| Cost of funding earning assets | 1.6469% | 7,360 |
| Net interest margin | 4.1257% | 2,599 |
| Noninterest income to average assets | 0.8182% | 2,411 |
| Noninterest expense to average assets | 2.5105% | 5,960 |
| Loan and lease loss provision to assets | 0.2638% | 4,284 |
| Net operating income to assets | 1.5693% | 886 |
| Return on assets (ROA) | 1.5693% | 856 |
| Pretax return on assets | 1.5693% | 1,483 |
| Return on Equity (ROE) | 12.4359% | 1,464 |
| Retained earnings to average equity (ytd only) | -1.5806% | 5,758 |
| Net charge-offs to loans | 0.0333% | 6,355 |
| Credit loss provision to net charge-offs | 1,295.4545% | 350 |
| Earnings coverage of net charge-offs (x) | 90.0227% | 469 |
| Efficiency ratio | 57.7988% | 6,733 |
| Assets per employee ($millions) | 3.9517% | 3,618 |
| Cash dividends to net income (ytd only)* | 112.7101% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 4,737 |
| Loan loss allowance to noncurrent loans | 67.6597% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 1.3752% | 3,440 |
| Noncurrent loans to loans | 1.7368% | 3,164 |
| Net loans and leases to total assets | 66.7854% | 4,686 |
| Net loans and leases to deposits | 80.4543% | 4,965 |
| Net loans and leases to core deposits | 83.6251% | 6,330 |
| Total domestic deposits to total assets | 83.0103% | 3,773 |
| Equity capital to assets | 12.9118% | 1,825 |
| Core capital (leverage) ratio | 8.7019% | 5,191 |
| Tier 1 risk-based capital ratio | 10.3332% | 6,383 |
| Total risk-based capital ratio | 11.3389% | 6,508 |
| Memoranda: | ||
| Average total assets | $216,090,400 | 2,925 |
| Average earning assets | $184,648,000 | 3,121 |
| Average equity | $27,267,800 | 2,458 |
| Average total loans | $131,987,600 | 3,234 |