Home > Valley Capital Bank, National Association > Performance and Condition Ratios
Valley Capital Bank, National Association, Performance and Condition Ratios
| 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 | 4.0074% | 7,799 |
| Cost of funding earning assets | 2.5597% | 1,138 |
| Net interest margin | 1.4477% | 7,957 |
| Noninterest income to average assets | -2.6721% | 8,090 |
| Noninterest expense to average assets | 9.1625% | 116 |
| Loan and lease loss provision to assets | 6.2247% | 95 |
| Net operating income to assets | -16.8608% | 8,083 |
| Return on assets (ROA) | -16.8608% | 8,083 |
| Pretax return on assets | -16.8608% | 8,082 |
| Return on Equity (ROE) | -407.2272% | 8,092 |
| Retained earnings to average equity (ytd only) | -407.2272% | 8,092 |
| Net charge-offs to loans | 7.3651% | 97 |
| Credit loss provision to net charge-offs | 131.6133% | 3,800 |
| Earnings coverage of net charge-offs (x) | -2.2489% | 6,763 |
| Efficiency ratio | -621.8029% | 8,093 |
| Assets per employee ($millions) | 2.0135% | 7,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1555% | 47 |
| Loan loss allowance to noncurrent loans | 63.5955% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 19.4909% | 50 |
| Noncurrent loans to loans | 11.2516% | 313 |
| Net loans and leases to total assets | 54.7107% | 6,304 |
| Net loans and leases to deposits | 53.3308% | 7,244 |
| Net loans and leases to core deposits | 56.0468% | 7,539 |
| Total domestic deposits to total assets | 102.5875% | 3 |
| Equity capital to assets | -3.3176% | 8,096 |
| Core capital (leverage) ratio | -3.1307% | 8,097 |
| Tier 1 risk-based capital ratio | -4.3353% | 8,096 |
| Total risk-based capital ratio | -4.3353% | 8,096 |
| Memoranda: | ||
| Average total assets | $43,160,250 | 7,037 |
| Average earning assets | $35,732,750 | 7,172 |
| Average equity | $1,787,000 | 7,959 |
| Average total loans | $27,715,500 | 6,813 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1223% | 7,865 |
| Cost of funding earning assets | 2.7518% | 902 |
| Net interest margin | 1.3704% | 8,045 |
| Noninterest income to average assets | 3.0097% | 215 |
| Noninterest expense to average assets | 9.2150% | 127 |
| Loan and lease loss provision to assets | 4.6914% | 233 |
| Net operating income to assets | -9.7589% | 8,113 |
| Return on assets (ROA) | -9.7589% | 8,109 |
| Pretax return on assets | -9.7589% | 8,097 |
| Return on Equity (ROE) | -152.2631% | 8,128 |
| Retained earnings to average equity (ytd only) | -152.2631% | 8,126 |
| Net charge-offs to loans | 5.9496% | 185 |
| Credit loss provision to net charge-offs | 119.7917% | 3,881 |
| Earnings coverage of net charge-offs (x) | -1.2940% | 6,288 |
| Efficiency ratio | 222.1858% | 153 |
| Assets per employee ($millions) | 2.0244% | 7,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2986% | 107 |
| Loan loss allowance to noncurrent loans | 78.1162% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 16.6871% | 80 |
| Noncurrent loans to loans | 6.7830% | 743 |
| Net loans and leases to total assets | 58.2283% | 5,930 |
| Net loans and leases to deposits | 61.5924% | 6,766 |
| Net loans and leases to core deposits | 65.0787% | 7,250 |
| Total domestic deposits to total assets | 94.5380% | 49 |
| Equity capital to assets | 4.6316% | 8,061 |
| Core capital (leverage) ratio | 4.5675% | 8,050 |
| Tier 1 risk-based capital ratio | 5.7925% | 8,066 |
| Total risk-based capital ratio | 7.0781% | 8,072 |
| Memoranda: | ||
| Average total assets | $44,123,670 | 7,051 |
| Average earning assets | $36,630,330 | 7,189 |
| Average equity | $2,828,000 | 7,780 |
| Average total loans | $29,044,000 | 6,787 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2357% | 7,890 |
| Cost of funding earning assets | 3.0990% | 463 |
| Net interest margin | 1.1367% | 8,143 |
| Noninterest income to average assets | 2.0744% | 344 |
| Noninterest expense to average assets | 9.3747% | 126 |
| Loan and lease loss provision to assets | 9.0364% | 57 |
| Net operating income to assets | -15.3930% | 8,210 |
| Return on assets (ROA) | -15.3930% | 8,202 |
| Pretax return on assets | -15.3930% | 8,202 |
| Return on Equity (ROE) | -212.3101% | 8,201 |
| Retained earnings to average equity (ytd only) | -212.3101% | 8,200 |
| Net charge-offs to loans | 4.7612% | 233 |
| Credit loss provision to net charge-offs | 279.6143% | 1,720 |
| Earnings coverage of net charge-offs (x) | -1.9669% | 5,468 |
| Efficiency ratio | 310.6195% | 78 |
| Assets per employee ($millions) | 1.6647% | 8,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4626% | 56 |
| Loan loss allowance to noncurrent loans | 67.9781% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 18.6332% | 44 |
| Noncurrent loans to loans | 9.5068% | 323 |
| Net loans and leases to total assets | 62.3986% | 5,255 |
| Net loans and leases to deposits | 66.6173% | 6,318 |
| Net loans and leases to core deposits | 69.9508% | 7,021 |
| Total domestic deposits to total assets | 93.6673% | 54 |
| Equity capital to assets | 5.5287% | 8,069 |
| Core capital (leverage) ratio | 5.5195% | 8,079 |
| Tier 1 risk-based capital ratio | 6.6795% | 8,115 |
| Total risk-based capital ratio | 7.9802% | 8,123 |
| Memoranda: | ||
| Average total assets | $44,929,500 | 7,066 |
| Average earning assets | $37,302,000 | 7,204 |
| Average equity | $3,257,500 | 7,702 |
| Average total loans | $30,496,500 | 6,736 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7018% | 2,019 |
| Cost of funding earning assets | 3.2990% | 935 |
| Net interest margin | 3.4028% | 5,648 |
| Noninterest income to average assets | 3.7544% | 157 |
| Noninterest expense to average assets | 23.7115% | 46 |
| Loan and lease loss provision to assets | 2.5012% | 416 |
| Net operating income to assets | -19.7357% | 8,298 |
| Return on assets (ROA) | -19.7357% | 8,299 |
| Pretax return on assets | -19.7357% | 8,298 |
| Return on Equity (ROE) | -85.3279% | 8,256 |
| Retained earnings to average equity (ytd only) | -85.3279% | 8,252 |
| Net charge-offs to loans | 0.7435% | 1,666 |
| Credit loss provision to net charge-offs | 468.8679% | 941 |
| Earnings coverage of net charge-offs (x) | -32.3066% | 6,963 |
| Efficiency ratio | 227.3893% | 162 |
| Assets per employee ($millions) | 2.2179% | 7,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7797% | 221 |
| Loan loss allowance to noncurrent loans | 28.9392% | 6,764 |
| Noncurrent assets plus other real estate owned to assets | 19.0334% | 31 |
| Noncurrent loans to loans | 13.0608% | 98 |
| Net loans and leases to total assets | 66.3539% | 4,782 |
| Net loans and leases to deposits | 73.2711% | 5,921 |
| Net loans and leases to core deposits | 76.9566% | 6,800 |
| Total domestic deposits to total assets | 90.5595% | 466 |
| Equity capital to assets | 8.8501% | 5,562 |
| Core capital (leverage) ratio | 7.6119% | 7,061 |
| Tier 1 risk-based capital ratio | 10.4028% | 6,311 |
| Total risk-based capital ratio | 11.6747% | 6,163 |
| Memoranda: | ||
| Average total assets | $39,740,200 | 7,223 |
| Average earning assets | $31,797,200 | 7,418 |
| Average equity | $9,191,600 | 5,677 |
| Average total loans | $28,513,600 | 6,797 |