Home > Village Bank > Performance and Condition Ratios
Village 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 | 4.3408% | 6,714 |
| Cost of funding earning assets | 2.3105% | 202 |
| Net interest margin | 2.0303% | 7,449 |
| Noninterest income to average assets | 0.1575% | 6,600 |
| Noninterest expense to average assets | 3.0587% | 3,635 |
| Loan and lease loss provision to assets | 0.0893% | 6,250 |
| Net operating income to assets | -1.1703% | 6,775 |
| Return on assets (ROA) | -0.8621% | 6,636 |
| Pretax return on assets | -0.8621% | 6,552 |
| Return on Equity (ROE) | -13.9673% | 6,880 |
| Retained earnings to average equity (ytd only) | -13.9673% | 6,838 |
| Net charge-offs to loans | -1.0814% | 7,603 |
| Credit loss provision to net charge-offs | -12.5589% | 6,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.6584% | 192 |
| Assets per employee ($millions) | 4.5174% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6676% | 125 |
| Loan loss allowance to noncurrent loans | 120.1074% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 9.7109% | 430 |
| Noncurrent loans to loans | 4.7188% | 1,472 |
| Net loans and leases to total assets | 60.6960% | 4,548 |
| Net loans and leases to deposits | 70.2112% | 4,790 |
| Net loans and leases to core deposits | 73.3457% | 5,057 |
| Total domestic deposits to total assets | 86.4478% | 3,107 |
| Equity capital to assets | 5.7089% | 7,378 |
| Core capital (leverage) ratio | 5.9070% | 7,312 |
| Tier 1 risk-based capital ratio | 8.3446% | 7,324 |
| Total risk-based capital ratio | 9.6417% | 7,327 |
| Memoranda: | ||
| Average total assets | $89,546,400 | 5,305 |
| Average earning assets | $80,284,200 | 5,336 |
| Average equity | $5,527,200 | 6,499 |
| Average total loans | $58,905,600 | 5,113 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 6,860 |
| Cost of funding earning assets | 2.4116% | 192 |
| Net interest margin | 1.9582% | 7,589 |
| Noninterest income to average assets | 0.1032% | 7,031 |
| Noninterest expense to average assets | 3.0667% | 3,503 |
| Loan and lease loss provision to assets | 0.1179% | 5,849 |
| Net operating income to assets | -1.3248% | 7,043 |
| Return on assets (ROA) | -0.9181% | 6,893 |
| Pretax return on assets | -0.9181% | 6,811 |
| Return on Equity (ROE) | -14.6138% | 7,092 |
| Retained earnings to average equity (ytd only) | -14.6138% | 7,064 |
| Net charge-offs to loans | -0.7020% | 7,694 |
| Credit loss provision to net charge-offs | -25.3968% | 6,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 164.8970% | 149 |
| Assets per employee ($millions) | 4.6573% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8631% | 192 |
| Loan loss allowance to noncurrent loans | 83.3284% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 10.0702% | 402 |
| Noncurrent loans to loans | 5.8360% | 1,102 |
| Net loans and leases to total assets | 62.1015% | 4,508 |
| Net loans and leases to deposits | 72.2590% | 4,800 |
| Net loans and leases to core deposits | 75.6595% | 5,097 |
| Total domestic deposits to total assets | 85.9429% | 3,110 |
| Equity capital to assets | 6.0019% | 7,489 |
| Core capital (leverage) ratio | 5.8842% | 7,450 |
| Tier 1 risk-based capital ratio | 8.2329% | 7,456 |
| Total risk-based capital ratio | 9.5212% | 7,458 |
| Memoranda: | ||
| Average total assets | $90,475,250 | 5,341 |
| Average earning assets | $81,160,750 | 5,367 |
| Average equity | $5,684,000 | 6,541 |
| Average total loans | $59,825,500 | 5,154 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5320% | 6,630 |
| Cost of funding earning assets | 2.4783% | 189 |
| Net interest margin | 2.0538% | 7,633 |
| Noninterest income to average assets | 0.3072% | 5,701 |
| Noninterest expense to average assets | 2.9582% | 3,859 |
| Loan and lease loss provision to assets | 0.1756% | 5,109 |
| Net operating income to assets | -0.9897% | 6,939 |
| Return on assets (ROA) | -0.8778% | 6,911 |
| Pretax return on assets | -0.8778% | 6,830 |
| Return on Equity (ROE) | -13.7733% | 7,102 |
| Retained earnings to average equity (ytd only) | -13.7733% | 7,063 |
| Net charge-offs to loans | -1.0113% | 7,762 |
| Credit loss provision to net charge-offs | -26.1438% | 6,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.9734% | 261 |
| Assets per employee ($millions) | 5.1753% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8045% | 202 |
| Loan loss allowance to noncurrent loans | 127.7955% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 9.1696% | 480 |
| Noncurrent loans to loans | 3.7595% | 2,065 |
| Net loans and leases to total assets | 59.5549% | 5,145 |
| Net loans and leases to deposits | 71.7850% | 5,029 |
| Net loans and leases to core deposits | 75.1198% | 5,308 |
| Total domestic deposits to total assets | 82.9630% | 4,593 |
| Equity capital to assets | 6.0737% | 7,528 |
| Core capital (leverage) ratio | 5.9005% | 7,496 |
| Tier 1 risk-based capital ratio | 8.3308% | 7,498 |
| Total risk-based capital ratio | 9.6168% | 7,509 |
| Memoranda: | ||
| Average total assets | $91,137,330 | 5,352 |
| Average earning assets | $81,508,670 | 5,388 |
| Average equity | $5,808,330 | 6,528 |
| Average total loans | $60,513,330 | 5,159 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 6,790 |
| Cost of funding earning assets | 2.5189% | 215 |
| Net interest margin | 1.9812% | 7,725 |
| Noninterest income to average assets | 0.3462% | 5,368 |
| Noninterest expense to average assets | 3.0224% | 3,589 |
| Loan and lease loss provision to assets | 0.3551% | 3,247 |
| Net operating income to assets | -1.2649% | 7,243 |
| Return on assets (ROA) | -1.0385% | 7,151 |
| Pretax return on assets | -1.0385% | 7,067 |
| Return on Equity (ROE) | -15.9089% | 7,338 |
| Retained earnings to average equity (ytd only) | -15.9089% | 7,241 |
| Net charge-offs to loans | 0.2986% | 3,221 |
| Credit loss provision to net charge-offs | 173.9130% | 2,088 |
| Earnings coverage of net charge-offs (x) | -4.4565% | 5,528 |
| Efficiency ratio | 143.0672% | 237 |
| Assets per employee ($millions) | 4.4626% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9543% | 396 |
| Loan loss allowance to noncurrent loans | 79.6875% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 10.7594% | 350 |
| Noncurrent loans to loans | 4.9623% | 1,463 |
| Net loans and leases to total assets | 66.6192% | 3,717 |
| Net loans and leases to deposits | 85.5439% | 2,672 |
| Net loans and leases to core deposits | 89.2108% | 3,471 |
| Total domestic deposits to total assets | 77.8772% | 6,347 |
| Equity capital to assets | 6.4514% | 7,532 |
| Core capital (leverage) ratio | 6.3892% | 7,506 |
| Tier 1 risk-based capital ratio | 8.6279% | 7,543 |
| Total risk-based capital ratio | 9.9087% | 7,559 |
| Memoranda: | ||
| Average total assets | $90,128,000 | 5,447 |
| Average earning assets | $80,353,500 | 5,492 |
| Average equity | $5,883,500 | 6,564 |
| Average total loans | $61,630,500 | 5,191 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8216% | 6,904 |
| Cost of funding earning assets | 2.7358% | 537 |
| Net interest margin | 2.0859% | 7,707 |
| Noninterest income to average assets | 0.4511% | 4,801 |
| Noninterest expense to average assets | 3.6991% | 1,919 |
| Loan and lease loss provision to assets | 3.4569% | 453 |
| Net operating income to assets | -4.8434% | 7,721 |
| Return on assets (ROA) | -4.7883% | 7,712 |
| Pretax return on assets | -4.7883% | 7,673 |
| Return on Equity (ROE) | -62.7588% | 7,770 |
| Retained earnings to average equity (ytd only) | -62.7588% | 7,767 |
| Net charge-offs to loans | 3.9111% | 433 |
| Credit loss provision to net charge-offs | 123.0940% | 4,291 |
| Earnings coverage of net charge-offs (x) | -0.4937% | 6,689 |
| Efficiency ratio | 159.9551% | 255 |
| Assets per employee ($millions) | 4.5502% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9345% | 379 |
| Loan loss allowance to noncurrent loans | 74.4832% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 10.6655% | 326 |
| Noncurrent loans to loans | 5.2825% | 1,244 |
| Net loans and leases to total assets | 64.7664% | 4,428 |
| Net loans and leases to deposits | 84.7375% | 3,135 |
| Net loans and leases to core deposits | 119.3238% | 2,000 |
| Total domestic deposits to total assets | 76.4318% | 6,600 |
| Equity capital to assets | 6.6030% | 7,537 |
| Core capital (leverage) ratio | 6.2405% | 7,576 |
| Tier 1 risk-based capital ratio | 8.5614% | 7,576 |
| Total risk-based capital ratio | 9.8388% | 7,603 |
| Memoranda: | ||
| Average total assets | $96,213,200 | 5,194 |
| Average earning assets | $85,863,000 | 5,268 |
| Average equity | $7,340,800 | 6,160 |
| Average total loans | $69,086,000 | 4,897 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8499% | 7,011 |
| Cost of funding earning assets | 2.7451% | 695 |
| Net interest margin | 2.1048% | 7,761 |
| Noninterest income to average assets | 0.3213% | 5,907 |
| Noninterest expense to average assets | 3.7313% | 1,747 |
| Loan and lease loss provision to assets | 1.1512% | 1,687 |
| Net operating income to assets | -2.6826% | 7,509 |
| Return on assets (ROA) | -2.6101% | 7,490 |
| Pretax return on assets | -2.6101% | 7,389 |
| Return on Equity (ROE) | -33.1685% | 7,666 |
| Retained earnings to average equity (ytd only) | -33.1685% | 7,658 |
| Net charge-offs to loans | 2.0257% | 966 |
| Credit loss provision to net charge-offs | 78.0352% | 5,810 |
| Earnings coverage of net charge-offs (x) | -1.0380% | 6,635 |
| Efficiency ratio | 169.6085% | 241 |
| Assets per employee ($millions) | 2.9690% | 6,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3890% | 1,184 |
| Loan loss allowance to noncurrent loans | 25.8747% | 6,730 |
| Noncurrent assets plus other real estate owned to assets | 9.2529% | 409 |
| Noncurrent loans to loans | 9.2331% | 469 |
| Net loans and leases to total assets | 66.7860% | 4,236 |
| Net loans and leases to deposits | 87.0565% | 3,136 |
| Net loans and leases to core deposits | 122.9595% | 1,997 |
| Total domestic deposits to total assets | 76.7156% | 6,419 |
| Equity capital to assets | 7.0257% | 7,586 |
| Core capital (leverage) ratio | 7.1083% | 7,358 |
| Tier 1 risk-based capital ratio | 9.0059% | 7,620 |
| Total risk-based capital ratio | 10.2658% | 7,630 |
| Memoranda: | ||
| Average total assets | $97,515,500 | 5,191 |
| Average earning assets | $87,037,500 | 5,264 |
| Average equity | $7,673,750 | 6,093 |
| Average total loans | $71,019,000 | 4,879 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9259% | 6,973 |
| Cost of funding earning assets | 2.7743% | 846 |
| Net interest margin | 2.1517% | 7,775 |
| Noninterest income to average assets | 0.2461% | 6,526 |
| Noninterest expense to average assets | 3.7803% | 1,688 |
| Loan and lease loss provision to assets | 1.4072% | 1,231 |
| Net operating income to assets | -3.0157% | 7,676 |
| Return on assets (ROA) | -3.0157% | 7,676 |
| Pretax return on assets | -3.0157% | 7,577 |
| Return on Equity (ROE) | -37.0441% | 7,812 |
| Retained earnings to average equity (ytd only) | -37.0441% | 7,796 |
| Net charge-offs to loans | 1.7720% | 1,071 |
| Credit loss provision to net charge-offs | 106.9552% | 4,312 |
| Earnings coverage of net charge-offs (x) | -1.2226% | 6,273 |
| Efficiency ratio | 174.0637% | 272 |
| Assets per employee ($millions) | 2.6299% | 6,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7522% | 713 |
| Loan loss allowance to noncurrent loans | 37.1909% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 8.4999% | 417 |
| Noncurrent loans to loans | 7.4003% | 638 |
| Net loans and leases to total assets | 70.4393% | 3,600 |
| Net loans and leases to deposits | 95.4876% | 1,875 |
| Net loans and leases to core deposits | 129.5982% | 1,600 |
| Total domestic deposits to total assets | 73.7680% | 6,983 |
| Equity capital to assets | 7.6960% | 7,080 |
| Core capital (leverage) ratio | 7.5372% | 6,977 |
| Tier 1 risk-based capital ratio | 9.5336% | 7,360 |
| Total risk-based capital ratio | 10.7981% | 7,312 |
| Memoranda: | ||
| Average total assets | $98,351,330 | 5,206 |
| Average earning assets | $88,023,670 | 5,264 |
| Average equity | $8,006,670 | 6,022 |
| Average total loans | $73,023,670 | 4,840 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0955% | 6,654 |
| Cost of funding earning assets | 2.8056% | 968 |
| Net interest margin | 2.2899% | 7,726 |
| Noninterest income to average assets | 0.2246% | 6,669 |
| Noninterest expense to average assets | 3.3378% | 2,544 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.0482% | 7,282 |
| Return on assets (ROA) | -1.0482% | 7,295 |
| Pretax return on assets | -1.0482% | 7,172 |
| Return on Equity (ROE) | -12.5650% | 7,499 |
| Retained earnings to average equity (ytd only) | -12.5650% | 7,295 |
| Net charge-offs to loans | 1.5381% | 938 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.9078% | 5,342 |
| Efficiency ratio | 145.7831% | 379 |
| Assets per employee ($millions) | 2.9505% | 6,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0445% | 1,332 |
| Loan loss allowance to noncurrent loans | 26.4534% | 6,812 |
| Noncurrent assets plus other real estate owned to assets | 6.9069% | 500 |
| Noncurrent loans to loans | 7.7286% | 478 |
| Net loans and leases to total assets | 73.6646% | 2,847 |
| Net loans and leases to deposits | 100.2068% | 1,387 |
| Net loans and leases to core deposits | 135.7220% | 1,326 |
| Total domestic deposits to total assets | 73.5126% | 6,964 |
| Equity capital to assets | 8.5501% | 5,994 |
| Core capital (leverage) ratio | 8.2980% | 5,910 |
| Tier 1 risk-based capital ratio | 10.4166% | 6,481 |
| Total risk-based capital ratio | 11.6748% | 6,383 |
| Memoranda: | ||
| Average total assets | $101,503,000 | 5,134 |
| Average earning assets | $91,531,000 | 5,165 |
| Average equity | $8,468,000 | 5,890 |
| Average total loans | $76,199,000 | 4,758 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0102% | 5,500 |
| Cost of funding earning assets | 3.5123% | 497 |
| Net interest margin | 2.4980% | 7,756 |
| Noninterest income to average assets | 0.3960% | 5,500 |
| Noninterest expense to average assets | 4.1992% | 1,148 |
| Loan and lease loss provision to assets | 1.4528% | 937 |
| Net operating income to assets | -2.7587% | 7,770 |
| Return on assets (ROA) | -2.7085% | 7,736 |
| Pretax return on assets | -2.9584% | 7,697 |
| Return on Equity (ROE) | -33.4878% | 8,006 |
| Retained earnings to average equity (ytd only) | -33.4878% | 7,968 |
| Net charge-offs to loans | 1.7125% | 644 |
| Credit loss provision to net charge-offs | 116.2676% | 4,638 |
| Earnings coverage of net charge-offs (x) | -1.2486% | 6,632 |
| Efficiency ratio | 159.1197% | 314 |
| Assets per employee ($millions) | 2.6410% | 6,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2608% | 894 |
| Loan loss allowance to noncurrent loans | 25.7962% | 6,950 |
| Noncurrent assets plus other real estate owned to assets | 8.0851% | 283 |
| Noncurrent loans to loans | 8.7640% | 283 |
| Net loans and leases to total assets | 73.2551% | 3,296 |
| Net loans and leases to deposits | 106.3886% | 1,093 |
| Net loans and leases to core deposits | 140.7889% | 1,222 |
| Total domestic deposits to total assets | 68.8562% | 7,399 |
| Equity capital to assets | 8.1513% | 6,631 |
| Core capital (leverage) ratio | 8.0889% | 6,339 |
| Tier 1 risk-based capital ratio | 9.9408% | 6,805 |
| Total risk-based capital ratio | 11.2006% | 6,682 |
| Memoranda: | ||
| Average total assets | $113,641,400 | 4,675 |
| Average earning assets | $102,042,600 | 4,747 |
| Average equity | $9,191,400 | 5,678 |
| Average total loans | $82,918,200 | 4,428 |