Home > Valley Bank Minnesota > Performance and Condition Ratios
Valley Bank Minnesota, 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 | 4.3851% | 7,721 |
| Cost of funding earning assets | 1.1123% | 7,347 |
| Net interest margin | 3.2728% | 5,650 |
| Noninterest income to average assets | 0.6153% | 3,565 |
| Noninterest expense to average assets | 2.6617% | 5,514 |
| Loan and lease loss provision to assets | 0.5547% | 2,799 |
| Net operating income to assets | 0.2471% | 5,098 |
| Return on assets (ROA) | 0.2471% | 5,196 |
| Pretax return on assets | 0.2517% | 5,322 |
| Return on Equity (ROE) | 1.7867% | 5,377 |
| Retained earnings to average equity (ytd only) | -10.7540% | 6,955 |
| Net charge-offs to loans | 1.0218% | 1,735 |
| Credit loss provision to net charge-offs | 96.7480% | 4,720 |
| Earnings coverage of net charge-offs (x) | 1.4065% | 4,473 |
| Efficiency ratio | 76.7473% | 3,556 |
| Assets per employee ($millions) | 4.2305% | 3,233 |
| Cash dividends to net income (ytd only)* | 701.8868% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8840% | 1,834 |
| Loan loss allowance to noncurrent loans | 48.5261% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 2.4229% | 2,671 |
| Noncurrent loans to loans | 3.8824% | 1,750 |
| Net loans and leases to total assets | 52.6888% | 6,602 |
| Net loans and leases to deposits | 64.6106% | 6,505 |
| Net loans and leases to core deposits | 67.2398% | 7,160 |
| Total domestic deposits to total assets | 81.5483% | 4,880 |
| Equity capital to assets | 13.7643% | 1,399 |
| Core capital (leverage) ratio | 8.7035% | 5,080 |
| Tier 1 risk-based capital ratio | 12.3755% | 4,623 |
| Total risk-based capital ratio | 13.6281% | 4,543 |
| Memoranda: | ||
| Average total assets | $42,905,670 | 7,100 |
| Average earning assets | $37,399,000 | 7,160 |
| Average equity | $5,932,670 | 6,747 |
| Average total loans | $24,075,000 | 7,079 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3979% | 7,797 |
| Cost of funding earning assets | 1.1869% | 7,329 |
| Net interest margin | 3.2110% | 5,827 |
| Noninterest income to average assets | 0.5740% | 3,732 |
| Noninterest expense to average assets | 2.4534% | 6,010 |
| Loan and lease loss provision to assets | 0.5555% | 2,259 |
| Net operating income to assets | 0.3611% | 5,015 |
| Return on assets (ROA) | 0.3611% | 5,200 |
| Pretax return on assets | 0.3703% | 5,480 |
| Return on Equity (ROE) | 2.6054% | 5,525 |
| Retained earnings to average equity (ytd only) | -20.3758% | 7,653 |
| Net charge-offs to loans | 0.0323% | 5,066 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 726 |
| Efficiency ratio | 72.6027% | 4,084 |
| Assets per employee ($millions) | 4.6714% | 2,479 |
| Cash dividends to net income (ytd only)* | 882.0513% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0082% | 1,399 |
| Loan loss allowance to noncurrent loans | 54.1436% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 2.4927% | 2,305 |
| Noncurrent loans to loans | 3.7090% | 1,678 |
| Net loans and leases to total assets | 56.8703% | 6,117 |
| Net loans and leases to deposits | 68.5336% | 6,126 |
| Net loans and leases to core deposits | 71.6963% | 6,925 |
| Total domestic deposits to total assets | 82.9817% | 4,157 |
| Equity capital to assets | 13.8715% | 1,401 |
| Core capital (leverage) ratio | 8.7373% | 5,083 |
| Tier 1 risk-based capital ratio | 11.8831% | 5,055 |
| Total risk-based capital ratio | 13.1390% | 4,958 |
| Memoranda: | ||
| Average total assets | $43,206,000 | 7,125 |
| Average earning assets | $37,745,000 | 7,186 |
| Average equity | $5,987,500 | 6,765 |
| Average total loans | $24,753,500 | 7,080 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1244% | 7,748 |
| Cost of funding earning assets | 1.8270% | 6,937 |
| Net interest margin | 3.2974% | 6,047 |
| Noninterest income to average assets | 0.7313% | 2,895 |
| Noninterest expense to average assets | 2.2517% | 6,827 |
| Loan and lease loss provision to assets | 0.2475% | 4,439 |
| Net operating income to assets | 1.0969% | 2,160 |
| Return on assets (ROA) | 1.0969% | 2,073 |
| Pretax return on assets | 1.0969% | 3,034 |
| Return on Equity (ROE) | 8.1017% | 3,030 |
| Retained earnings to average equity (ytd only) | -3.4580% | 6,222 |
| Net charge-offs to loans | 0.0827% | 5,582 |
| Credit loss provision to net charge-offs | 584.2105% | 747 |
| Earnings coverage of net charge-offs (x) | 31.7368% | 1,126 |
| Efficiency ratio | 62.6162% | 5,844 |
| Assets per employee ($millions) | 4.9299% | 2,022 |
| Cash dividends to net income (ytd only)* | 142.6829% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 1,843 |
| Loan loss allowance to noncurrent loans | 52.2370% | 5,392 |
| Noncurrent assets plus other real estate owned to assets | 2.1862% | 2,237 |
| Noncurrent loans to loans | 3.2939% | 1,578 |
| Net loans and leases to total assets | 55.6132% | 6,473 |
| Net loans and leases to deposits | 67.2105% | 6,534 |
| Net loans and leases to core deposits | 69.8435% | 7,200 |
| Total domestic deposits to total assets | 82.7447% | 3,881 |
| Equity capital to assets | 13.8453% | 1,481 |
| Core capital (leverage) ratio | 9.0375% | 4,688 |
| Tier 1 risk-based capital ratio | 12.2509% | 4,625 |
| Total risk-based capital ratio | 13.5028% | 4,515 |
| Memoranda: | ||
| Average total assets | $44,854,400 | 6,995 |
| Average earning assets | $38,970,200 | 7,089 |
| Average equity | $6,072,800 | 6,778 |
| Average total loans | $22,985,800 | 7,138 |