Home > Valley Community Bank > Performance and Condition Ratios
Valley Community Bank, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 6,724 |
| Cost of funding earning assets | 1.8367% | 1,040 |
| Net interest margin | 2.4977% | 7,272 |
| Noninterest income to average assets | 0.4575% | 4,458 |
| Noninterest expense to average assets | 5.5799% | 287 |
| Loan and lease loss provision to assets | 2.4301% | 470 |
| Net operating income to assets | -5.2909% | 7,554 |
| Return on assets (ROA) | -5.0026% | 7,541 |
| Pretax return on assets | -5.0026% | 7,539 |
| Return on Equity (ROE) | -181.0204% | 7,644 |
| Retained earnings to average equity (ytd only) | -181.0204% | 7,644 |
| Net charge-offs to loans | 4.1432% | 295 |
| Credit loss provision to net charge-offs | 83.2006% | 5,425 |
| Earnings coverage of net charge-offs (x) | -0.9795% | 6,600 |
| Efficiency ratio | 205.2113% | 86 |
| Assets per employee ($millions) | 3.0189% | 6,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2266% | 328 |
| Loan loss allowance to noncurrent loans | 22.5147% | 6,716 |
| Noncurrent assets plus other real estate owned to assets | 20.8267% | 60 |
| Noncurrent loans to loans | 18.7726% | 88 |
| Net loans and leases to total assets | 70.3185% | 2,460 |
| Net loans and leases to deposits | 70.0891% | 4,806 |
| Net loans and leases to core deposits | 79.4682% | 4,284 |
| Total domestic deposits to total assets | 100.3272% | 2 |
| Equity capital to assets | -0.6730% | 7,653 |
| Core capital (leverage) ratio | -0.6358% | 7,654 |
| Tier 1 risk-based capital ratio | -0.8840% | 7,653 |
| Total risk-based capital ratio | -0.8840% | 7,653 |
| Memoranda: | ||
| Average total assets | $141,847,400 | 4,024 |
| Average earning assets | $128,437,200 | 4,054 |
| Average equity | $3,920,000 | 7,023 |
| Average total loans | $99,994,400 | 3,791 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 6,954 |
| Cost of funding earning assets | 1.8739% | 1,121 |
| Net interest margin | 2.4409% | 7,407 |
| Noninterest income to average assets | 0.5639% | 3,689 |
| Noninterest expense to average assets | 4.7095% | 484 |
| Loan and lease loss provision to assets | 0.5037% | 2,941 |
| Net operating income to assets | -2.4377% | 7,333 |
| Return on assets (ROA) | -2.0651% | 7,274 |
| Pretax return on assets | -2.0651% | 7,216 |
| Return on Equity (ROE) | -59.1708% | 7,601 |
| Retained earnings to average equity (ytd only) | -59.1708% | 7,599 |
| Net charge-offs to loans | 1.6987% | 1,156 |
| Credit loss provision to net charge-offs | 42.4405% | 5,987 |
| Earnings coverage of net charge-offs (x) | -1.6293% | 6,519 |
| Efficiency ratio | 169.6751% | 135 |
| Assets per employee ($millions) | 3.0028% | 6,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9840% | 378 |
| Loan loss allowance to noncurrent loans | 20.1158% | 6,905 |
| Noncurrent assets plus other real estate owned to assets | 21.0030% | 48 |
| Noncurrent loans to loans | 19.8051% | 78 |
| Net loans and leases to total assets | 67.5249% | 3,326 |
| Net loans and leases to deposits | 69.9228% | 5,154 |
| Net loans and leases to core deposits | 81.5110% | 4,314 |
| Total domestic deposits to total assets | 96.5707% | 17 |
| Equity capital to assets | 2.9624% | 7,695 |
| Core capital (leverage) ratio | 2.9957% | 7,680 |
| Tier 1 risk-based capital ratio | 4.2023% | 7,683 |
| Total risk-based capital ratio | 5.4776% | 7,686 |
| Memoranda: | ||
| Average total assets | $146,365,750 | 3,994 |
| Average earning assets | $132,623,250 | 4,015 |
| Average equity | $5,108,250 | 6,717 |
| Average total loans | $102,273,750 | 3,790 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 7,023 |
| Cost of funding earning assets | 1.9185% | 1,170 |
| Net interest margin | 2.3970% | 7,479 |
| Noninterest income to average assets | 0.5476% | 3,732 |
| Noninterest expense to average assets | 4.4101% | 642 |
| Loan and lease loss provision to assets | 0.7221% | 2,019 |
| Net operating income to assets | -2.4022% | 7,397 |
| Return on assets (ROA) | -2.0505% | 7,328 |
| Pretax return on assets | -2.0505% | 7,252 |
| Return on Equity (ROE) | -56.2020% | 7,641 |
| Retained earnings to average equity (ytd only) | -56.2020% | 7,637 |
| Net charge-offs to loans | 1.9811% | 924 |
| Credit loss provision to net charge-offs | 52.2662% | 5,368 |
| Earnings coverage of net charge-offs (x) | -1.2160% | 6,149 |
| Efficiency ratio | 161.5422% | 173 |
| Assets per employee ($millions) | 3.2976% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0714% | 348 |
| Loan loss allowance to noncurrent loans | 20.4639% | 6,916 |
| Noncurrent assets plus other real estate owned to assets | 19.7959% | 58 |
| Noncurrent loans to loans | 19.8954% | 89 |
| Net loans and leases to total assets | 67.1474% | 3,586 |
| Net loans and leases to deposits | 69.8206% | 5,308 |
| Net loans and leases to core deposits | 80.8061% | 4,574 |
| Total domestic deposits to total assets | 96.1713% | 21 |
| Equity capital to assets | 3.2758% | 7,736 |
| Core capital (leverage) ratio | 3.2153% | 7,728 |
| Tier 1 risk-based capital ratio | 4.6080% | 7,721 |
| Total risk-based capital ratio | 5.8914% | 7,722 |
| Memoranda: | ||
| Average total assets | $150,111,670 | 3,953 |
| Average earning assets | $136,669,330 | 3,957 |
| Average equity | $5,476,670 | 6,625 |
| Average total loans | $104,688,000 | 3,750 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 7,190 |
| Cost of funding earning assets | 1.8928% | 1,481 |
| Net interest margin | 2.3682% | 7,555 |
| Noninterest income to average assets | 0.4356% | 4,601 |
| Noninterest expense to average assets | 4.0423% | 972 |
| Loan and lease loss provision to assets | 1.2446% | 972 |
| Net operating income to assets | -2.6681% | 7,589 |
| Return on assets (ROA) | -2.1158% | 7,490 |
| Pretax return on assets | -2.1158% | 7,439 |
| Return on Equity (ROE) | -55.3924% | 7,733 |
| Retained earnings to average equity (ytd only) | -55.3924% | 7,724 |
| Net charge-offs to loans | 1.3407% | 1,283 |
| Credit loss provision to net charge-offs | 133.3333% | 2,648 |
| Earnings coverage of net charge-offs (x) | -1.5250% | 5,435 |
| Efficiency ratio | 154.3564% | 194 |
| Assets per employee ($millions) | 3.6691% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4674% | 260 |
| Loan loss allowance to noncurrent loans | 20.0017% | 7,010 |
| Noncurrent assets plus other real estate owned to assets | 19.0713% | 68 |
| Noncurrent loans to loans | 22.3348% | 57 |
| Net loans and leases to total assets | 64.5836% | 4,197 |
| Net loans and leases to deposits | 69.7533% | 5,377 |
| Net loans and leases to core deposits | 79.8376% | 4,781 |
| Total domestic deposits to total assets | 92.5886% | 156 |
| Equity capital to assets | 3.5003% | 7,828 |
| Core capital (leverage) ratio | 3.5910% | 7,808 |
| Tier 1 risk-based capital ratio | 5.2816% | 7,784 |
| Total risk-based capital ratio | 6.5724% | 7,785 |
| Memoranda: | ||
| Average total assets | $154,269,000 | 3,941 |
| Average earning assets | $142,220,000 | 3,915 |
| Average equity | $5,892,500 | 6,558 |
| Average total loans | $107,405,000 | 3,745 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 7,141 |
| Cost of funding earning assets | 2.5798% | 827 |
| Net interest margin | 2.1179% | 7,692 |
| Noninterest income to average assets | 0.3931% | 5,264 |
| Noninterest expense to average assets | 3.6014% | 2,143 |
| Loan and lease loss provision to assets | 2.7454% | 677 |
| Net operating income to assets | -3.7626% | 7,566 |
| Return on assets (ROA) | -3.7082% | 7,560 |
| Pretax return on assets | -3.9540% | 7,516 |
| Return on Equity (ROE) | -59.0011% | 7,749 |
| Retained earnings to average equity (ytd only) | -59.0011% | 7,744 |
| Net charge-offs to loans | 1.6215% | 1,559 |
| Credit loss provision to net charge-offs | 232.4242% | 1,576 |
| Earnings coverage of net charge-offs (x) | -1.0722% | 6,892 |
| Efficiency ratio | 154.2412% | 290 |
| Assets per employee ($millions) | 3.3573% | 5,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0992% | 336 |
| Loan loss allowance to noncurrent loans | 19.6951% | 7,074 |
| Noncurrent assets plus other real estate owned to assets | 18.6108% | 72 |
| Noncurrent loans to loans | 20.8131% | 64 |
| Net loans and leases to total assets | 68.6992% | 3,549 |
| Net loans and leases to deposits | 75.7982% | 4,775 |
| Net loans and leases to core deposits | 100.3547% | 3,961 |
| Total domestic deposits to total assets | 90.6344% | 682 |
| Equity capital to assets | 4.1383% | 7,848 |
| Core capital (leverage) ratio | 3.8919% | 7,854 |
| Tier 1 risk-based capital ratio | 5.5197% | 7,842 |
| Total risk-based capital ratio | 6.8036% | 7,846 |
| Memoranda: | ||
| Average total assets | $167,627,800 | 3,648 |
| Average earning assets | $153,692,800 | 3,643 |
| Average equity | $10,535,400 | 5,148 |
| Average total loans | $122,109,000 | 3,437 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7109% | 7,269 |
| Cost of funding earning assets | 2.6754% | 849 |
| Net interest margin | 2.0355% | 7,799 |
| Noninterest income to average assets | 0.4298% | 5,050 |
| Noninterest expense to average assets | 3.5648% | 2,111 |
| Loan and lease loss provision to assets | 2.1857% | 795 |
| Net operating income to assets | -2.2542% | 7,395 |
| Return on assets (ROA) | -2.1685% | 7,367 |
| Pretax return on assets | -3.3207% | 7,576 |
| Return on Equity (ROE) | -32.0319% | 7,645 |
| Retained earnings to average equity (ytd only) | -32.0319% | 7,632 |
| Net charge-offs to loans | 1.5736% | 1,301 |
| Credit loss provision to net charge-offs | 189.9661% | 2,395 |
| Earnings coverage of net charge-offs (x) | -1.1010% | 6,647 |
| Efficiency ratio | 155.1256% | 287 |
| Assets per employee ($millions) | 3.8754% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8390% | 759 |
| Loan loss allowance to noncurrent loans | 15.4007% | 7,314 |
| Noncurrent assets plus other real estate owned to assets | 15.6031% | 109 |
| Noncurrent loans to loans | 18.4342% | 81 |
| Net loans and leases to total assets | 65.0287% | 4,645 |
| Net loans and leases to deposits | 74.5205% | 5,292 |
| Net loans and leases to core deposits | 97.9766% | 4,604 |
| Total domestic deposits to total assets | 87.2629% | 2,039 |
| Equity capital to assets | 5.7877% | 7,893 |
| Core capital (leverage) ratio | 5.7496% | 7,843 |
| Tier 1 risk-based capital ratio | 7.8885% | 7,810 |
| Total risk-based capital ratio | 9.1556% | 7,817 |
| Memoranda: | ||
| Average total assets | $170,925,500 | 3,614 |
| Average earning assets | $156,881,250 | 3,603 |
| Average equity | $11,571,500 | 4,903 |
| Average total loans | $124,978,250 | 3,401 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7469% | 7,324 |
| Cost of funding earning assets | 2.7043% | 1,019 |
| Net interest margin | 2.0426% | 7,838 |
| Noninterest income to average assets | 0.3437% | 5,761 |
| Noninterest expense to average assets | 3.4175% | 2,571 |
| Loan and lease loss provision to assets | 1.1832% | 1,454 |
| Net operating income to assets | -1.5436% | 7,267 |
| Return on assets (ROA) | -1.4942% | 7,243 |
| Pretax return on assets | -2.2658% | 7,364 |
| Return on Equity (ROE) | -21.0561% | 7,529 |
| Retained earnings to average equity (ytd only) | -21.0561% | 7,483 |
| Net charge-offs to loans | 0.3702% | 3,337 |
| Credit loss provision to net charge-offs | 425.2101% | 1,089 |
| Earnings coverage of net charge-offs (x) | -4.1597% | 6,439 |
| Efficiency ratio | 151.2157% | 365 |
| Assets per employee ($millions) | 3.4092% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1539% | 1,309 |
| Loan loss allowance to noncurrent loans | 12.3399% | 7,445 |
| Noncurrent assets plus other real estate owned to assets | 13.5005% | 135 |
| Noncurrent loans to loans | 17.4546% | 84 |
| Net loans and leases to total assets | 73.0966% | 2,941 |
| Net loans and leases to deposits | 84.6563% | 3,768 |
| Net loans and leases to core deposits | 106.8703% | 3,733 |
| Total domestic deposits to total assets | 86.3451% | 2,600 |
| Equity capital to assets | 6.7595% | 7,728 |
| Core capital (leverage) ratio | 6.6060% | 7,744 |
| Tier 1 risk-based capital ratio | 8.8611% | 7,764 |
| Total risk-based capital ratio | 10.1219% | 7,795 |
| Memoranda: | ||
| Average total assets | $171,061,670 | 3,616 |
| Average earning assets | $160,485,330 | 3,554 |
| Average equity | $12,139,000 | 4,774 |
| Average total loans | $128,596,000 | 3,362 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7876% | 7,388 |
| Cost of funding earning assets | 2.7850% | 1,014 |
| Net interest margin | 2.0026% | 7,894 |
| Noninterest income to average assets | 0.3305% | 5,804 |
| Noninterest expense to average assets | 3.2797% | 2,718 |
| Loan and lease loss provision to assets | 0.4299% | 2,775 |
| Net operating income to assets | -0.9776% | 7,247 |
| Return on assets (ROA) | -0.8968% | 7,217 |
| Pretax return on assets | -1.3636% | 7,326 |
| Return on Equity (ROE) | -12.3542% | 7,491 |
| Retained earnings to average equity (ytd only) | -12.3542% | 7,285 |
| Net charge-offs to loans | 0.4996% | 2,211 |
| Credit loss provision to net charge-offs | 114.1104% | 3,403 |
| Earnings coverage of net charge-offs (x) | -2.8037% | 5,510 |
| Efficiency ratio | 147.5052% | 366 |
| Assets per employee ($millions) | 3.7771% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 2,977 |
| Loan loss allowance to noncurrent loans | 14.0161% | 7,433 |
| Noncurrent assets plus other real estate owned to assets | 8.1458% | 355 |
| Noncurrent loans to loans | 10.7129% | 245 |
| Net loans and leases to total assets | 71.6126% | 3,325 |
| Net loans and leases to deposits | 83.5728% | 4,046 |
| Net loans and leases to core deposits | 101.2222% | 4,419 |
| Total domestic deposits to total assets | 85.6889% | 2,876 |
| Equity capital to assets | 6.8796% | 7,733 |
| Core capital (leverage) ratio | 6.9695% | 7,652 |
| Tier 1 risk-based capital ratio | 9.0405% | 7,768 |
| Total risk-based capital ratio | 10.1074% | 7,907 |
| Memoranda: | ||
| Average total assets | $173,066,000 | 3,604 |
| Average earning assets | $163,588,000 | 3,517 |
| Average equity | $12,562,500 | 4,687 |
| Average total loans | $130,495,000 | 3,351 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2352% | 4,328 |
| Cost of funding earning assets | 2.8335% | 2,564 |
| Net interest margin | 3.4017% | 5,656 |
| Noninterest income to average assets | 0.3324% | 6,074 |
| Noninterest expense to average assets | 3.4424% | 2,547 |
| Loan and lease loss provision to assets | 0.5814% | 2,499 |
| Net operating income to assets | -0.3139% | 6,747 |
| Return on assets (ROA) | -0.3173% | 6,619 |
| Pretax return on assets | -0.4603% | 6,621 |
| Return on Equity (ROE) | -3.8729% | 6,728 |
| Retained earnings to average equity (ytd only) | -3.8729% | 6,296 |
| Net charge-offs to loans | 0.6053% | 2,023 |
| Credit loss provision to net charge-offs | 112.7737% | 4,787 |
| Earnings coverage of net charge-offs (x) | 0.2445% | 6,084 |
| Efficiency ratio | 96.4675% | 1,128 |
| Assets per employee ($millions) | 3.4409% | 4,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 5,474 |
| Loan loss allowance to noncurrent loans | 11.9325% | 7,477 |
| Noncurrent assets plus other real estate owned to assets | 7.0946% | 359 |
| Noncurrent loans to loans | 8.9826% | 268 |
| Net loans and leases to total assets | 77.4035% | 2,287 |
| Net loans and leases to deposits | 91.8973% | 3,156 |
| Net loans and leases to core deposits | 111.8321% | 3,579 |
| Total domestic deposits to total assets | 84.2283% | 3,208 |
| Equity capital to assets | 7.6581% | 7,248 |
| Core capital (leverage) ratio | 7.7931% | 6,812 |
| Tier 1 risk-based capital ratio | 9.4659% | 7,351 |
| Total risk-based capital ratio | 10.5154% | 7,489 |
| Memoranda: | ||
| Average total assets | $159,453,600 | 3,729 |
| Average earning assets | $151,687,800 | 3,621 |
| Average equity | $13,065,000 | 4,549 |
| Average total loans | $135,800,000 | 3,162 |