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Vermillion State Bank, Performance and Condition Ratios
| 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 | 5.9114% | 5,983 |
| Cost of funding earning assets | 2.3062% | 5,116 |
| Net interest margin | 3.6052% | 4,863 |
| Noninterest income to average assets | 0.3222% | 6,148 |
| Noninterest expense to average assets | 2.2231% | 6,915 |
| Loan and lease loss provision to assets | 0.0580% | 6,685 |
| Net operating income to assets | 1.3565% | 1,332 |
| Return on assets (ROA) | 1.5207% | 945 |
| Pretax return on assets | 1.5530% | 1,532 |
| Return on Equity (ROE) | 9.3718% | 2,488 |
| Retained earnings to average equity (ytd only) | -52.9743% | 8,157 |
| Net charge-offs to loans | 0.5365% | 2,220 |
| Credit loss provision to net charge-offs | 30.0000% | 6,525 |
| Earnings coverage of net charge-offs (x) | 7.4667% | 3,101 |
| Efficiency ratio | 60.6327% | 6,235 |
| Assets per employee ($millions) | 3.8375% | 3,887 |
| Cash dividends to net income (ytd only)* | 665.2542% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 1,626 |
| Loan loss allowance to noncurrent loans | 1,010.0000% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 7,303 |
| Noncurrent loans to loans | 0.1786% | 6,853 |
| Net loans and leases to total assets | 35.8241% | 7,837 |
| Net loans and leases to deposits | 45.0775% | 7,818 |
| Net loans and leases to core deposits | 50.1276% | 7,884 |
| Total domestic deposits to total assets | 79.4723% | 5,215 |
| Equity capital to assets | 15.3485% | 1,075 |
| Core capital (leverage) ratio | 12.2961% | 1,845 |
| Tier 1 risk-based capital ratio | 24.2331% | 1,061 |
| Total risk-based capital ratio | 25.4868% | 1,040 |
| Memoranda: | ||
| Average total assets | $15,518,800 | 8,152 |
| Average earning assets | $14,395,800 | 8,122 |
| Average equity | $2,518,200 | 7,975 |
| Average total loans | $5,591,800 | 8,140 |