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Vantus Bank, 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 | 5.7406% | 3,341 |
| Cost of funding earning assets | 2.3480% | 2,167 |
| Net interest margin | 3.3926% | 5,200 |
| Noninterest income to average assets | 1.0679% | 1,393 |
| Noninterest expense to average assets | 3.8976% | 1,492 |
| Loan and lease loss provision to assets | 0.5497% | 2,822 |
| Net operating income to assets | -1.3077% | 7,167 |
| Return on assets (ROA) | -8.0656% | 8,070 |
| Pretax return on assets | -7.3048% | 8,036 |
| Return on Equity (ROE) | -290.2582% | 8,166 |
| Retained earnings to average equity (ytd only) | -290.2582% | 8,166 |
| Net charge-offs to loans | 0.7229% | 2,250 |
| Credit loss provision to net charge-offs | 108.9634% | 4,242 |
| Earnings coverage of net charge-offs (x) | 0.0055% | 5,684 |
| Efficiency ratio | 99.7984% | 1,187 |
| Assets per employee ($millions) | 3.3802% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 4,345 |
| Loan loss allowance to noncurrent loans | 23.0356% | 6,961 |
| Noncurrent assets plus other real estate owned to assets | 5.2396% | 979 |
| Noncurrent loans to loans | 5.5867% | 1,029 |
| Net loans and leases to total assets | 66.5696% | 4,446 |
| Net loans and leases to deposits | 85.0150% | 3,727 |
| Net loans and leases to core deposits | 92.9416% | 5,243 |
| Total domestic deposits to total assets | 78.3033% | 5,997 |
| Equity capital to assets | 0.5287% | 8,168 |
| Core capital (leverage) ratio | 4.5052% | 8,054 |
| Tier 1 risk-based capital ratio | 3.3808% | 8,134 |
| Total risk-based capital ratio | 4.0061% | 8,143 |
| Memoranda: | ||
| Average total assets | $508,676,670 | 1,388 |
| Average earning assets | $424,694,000 | 1,528 |
| Average equity | $14,135,000 | 4,275 |
| Average total loans | $354,982,670 | 1,406 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7609% | 3,476 |
| Cost of funding earning assets | 2.3444% | 2,526 |
| Net interest margin | 3.4165% | 5,074 |
| Noninterest income to average assets | 0.9468% | 1,659 |
| Noninterest expense to average assets | 3.6487% | 1,755 |
| Loan and lease loss provision to assets | 0.0837% | 5,885 |
| Net operating income to assets | 0.1643% | 5,772 |
| Return on assets (ROA) | -2.3021% | 7,725 |
| Pretax return on assets | -3.7317% | 7,874 |
| Return on Equity (ROE) | -59.2220% | 8,085 |
| Retained earnings to average equity (ytd only) | -59.2220% | 8,069 |
| Net charge-offs to loans | 0.1191% | 4,017 |
| Credit loss provision to net charge-offs | 99.0741% | 3,824 |
| Earnings coverage of net charge-offs (x) | 2.4352% | 3,517 |
| Efficiency ratio | 94.4580% | 1,408 |
| Assets per employee ($millions) | 3.2593% | 5,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 4,845 |
| Loan loss allowance to noncurrent loans | 21.1297% | 7,107 |
| Noncurrent assets plus other real estate owned to assets | 5.5900% | 750 |
| Noncurrent loans to loans | 5.6547% | 882 |
| Net loans and leases to total assets | 70.5932% | 3,553 |
| Net loans and leases to deposits | 90.5839% | 2,840 |
| Net loans and leases to core deposits | 98.0885% | 4,734 |
| Total domestic deposits to total assets | 77.9312% | 6,038 |
| Equity capital to assets | 2.9312% | 8,202 |
| Core capital (leverage) ratio | 7.8490% | 6,692 |
| Tier 1 risk-based capital ratio | 5.0052% | 8,172 |
| Total risk-based capital ratio | 5.5220% | 8,196 |
| Memoranda: | ||
| Average total assets | $511,193,500 | 1,391 |
| Average earning assets | $435,070,500 | 1,490 |
| Average equity | $19,871,000 | 3,275 |
| Average total loans | $362,652,000 | 1,391 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2897% | 4,020 |
| Cost of funding earning assets | 2.8953% | 2,284 |
| Net interest margin | 3.3944% | 5,685 |
| Noninterest income to average assets | 1.8580% | 393 |
| Noninterest expense to average assets | 6.7822% | 301 |
| Loan and lease loss provision to assets | 2.4061% | 445 |
| Net operating income to assets | -3.9237% | 7,976 |
| Return on assets (ROA) | -3.8161% | 7,938 |
| Pretax return on assets | -4.2576% | 7,937 |
| Return on Equity (ROE) | -54.1596% | 8,176 |
| Retained earnings to average equity (ytd only) | -54.1596% | 8,161 |
| Net charge-offs to loans | 0.8386% | 1,498 |
| Credit loss provision to net charge-offs | 406.7100% | 1,080 |
| Earnings coverage of net charge-offs (x) | -3.3320% | 6,783 |
| Efficiency ratio | 73.8659% | 3,600 |
| Assets per employee ($millions) | 2.6720% | 6,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 4,893 |
| Loan loss allowance to noncurrent loans | 40.7954% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 3.6327% | 1,208 |
| Noncurrent loans to loans | 2.8278% | 1,916 |
| Net loans and leases to total assets | 69.6489% | 4,108 |
| Net loans and leases to deposits | 98.1688% | 2,098 |
| Net loans and leases to core deposits | 105.8159% | 4,215 |
| Total domestic deposits to total assets | 70.9481% | 7,165 |
| Equity capital to assets | 4.7975% | 8,209 |
| Core capital (leverage) ratio | 7.9608% | 6,553 |
| Tier 1 risk-based capital ratio | 9.8608% | 6,888 |
| Total risk-based capital ratio | 10.8342% | 7,117 |
| Memoranda: | ||
| Average total assets | $571,846,000 | 1,177 |
| Average earning assets | $497,498,200 | 1,245 |
| Average equity | $40,292,000 | 1,668 |
| Average total loans | $403,389,400 | 1,202 |