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Village Bank and Trust Company, 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 | 4.2910% | 7,781 |
| Cost of funding earning assets | 1.5354% | 5,995 |
| Net interest margin | 2.7556% | 7,096 |
| Noninterest income to average assets | 0.4477% | 4,869 |
| Noninterest expense to average assets | 2.2974% | 6,764 |
| Loan and lease loss provision to assets | 1.8350% | 897 |
| Net operating income to assets | -1.1818% | 7,100 |
| Return on assets (ROA) | -1.1818% | 7,110 |
| Pretax return on assets | -1.1818% | 6,925 |
| Return on Equity (ROE) | -6.1564% | 6,727 |
| Retained earnings to average equity (ytd only) | -6.1564% | 6,473 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8607% | 3,370 |
| Assets per employee ($millions) | 4.8768% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3052% | 1,095 |
| Loan loss allowance to noncurrent loans | 22.4451% | 6,992 |
| Noncurrent assets plus other real estate owned to assets | 8.5876% | 410 |
| Noncurrent loans to loans | 10.2702% | 333 |
| Net loans and leases to total assets | 81.6888% | 1,014 |
| Net loans and leases to deposits | 118.5231% | 266 |
| Net loans and leases to core deposits | 126.3736% | 1,833 |
| Total domestic deposits to total assets | 68.9222% | 7,560 |
| Equity capital to assets | 21.0589% | 329 |
| Core capital (leverage) ratio | 18.3112% | 474 |
| Tier 1 risk-based capital ratio | 26.1483% | 850 |
| Total risk-based capital ratio | 27.4621% | 816 |
| Memoranda: | ||
| Average total assets | $27,247,670 | 7,715 |
| Average earning assets | $24,749,330 | 7,690 |
| Average equity | $5,230,330 | 6,989 |
| Average total loans | $23,930,330 | 7,091 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7832% | 8,042 |
| Cost of funding earning assets | 1.1616% | 7,386 |
| Net interest margin | 2.6216% | 7,338 |
| Noninterest income to average assets | 0.0976% | 7,555 |
| Noninterest expense to average assets | 1.9247% | 7,504 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5021% | 4,409 |
| Return on assets (ROA) | 0.5021% | 4,599 |
| Pretax return on assets | 0.5021% | 5,074 |
| Return on Equity (ROE) | 2.7283% | 5,485 |
| Retained earnings to average equity (ytd only) | 2.7283% | 4,372 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3103% | 2,942 |
| Assets per employee ($millions) | 7.0043% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 6,814 |
| Loan loss allowance to noncurrent loans | 54.1872% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 1.4491% | 3,759 |
| Noncurrent loans to loans | 1.6318% | 3,827 |
| Net loans and leases to total assets | 88.0216% | 262 |
| Net loans and leases to deposits | 128.0559% | 160 |
| Net loans and leases to core deposits | 140.0954% | 1,095 |
| Total domestic deposits to total assets | 68.7368% | 7,541 |
| Equity capital to assets | 19.0313% | 495 |
| Core capital (leverage) ratio | 19.0069% | 450 |
| Tier 1 risk-based capital ratio | 22.0668% | 1,295 |
| Total risk-based capital ratio | 22.9814% | 1,304 |
| Memoranda: | ||
| Average total assets | $28,679,500 | 7,706 |
| Average earning assets | $25,481,000 | 7,704 |
| Average equity | $5,278,000 | 7,019 |
| Average total loans | $25,701,000 | 7,014 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8803% | 6,134 |
| Cost of funding earning assets | 1.9398% | 6,614 |
| Net interest margin | 3.9405% | 3,401 |
| Noninterest income to average assets | 0.2878% | 6,405 |
| Noninterest expense to average assets | 3.6968% | 1,959 |
| Loan and lease loss provision to assets | 1.3713% | 1,016 |
| Net operating income to assets | -1.7368% | 7,539 |
| Return on assets (ROA) | -1.7368% | 7,491 |
| Pretax return on assets | -1.2193% | 7,125 |
| Return on Equity (ROE) | -9.3249% | 7,226 |
| Retained earnings to average equity (ytd only) | -9.3249% | 7,008 |
| Net charge-offs to loans | 1.5544% | 742 |
| Credit loss provision to net charge-offs | 99.7647% | 5,383 |
| Earnings coverage of net charge-offs (x) | 0.1106% | 6,180 |
| Efficiency ratio | 96.0504% | 1,151 |
| Assets per employee ($millions) | 4.1917% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8295% | 6,978 |
| Loan loss allowance to noncurrent loans | 21.0124% | 7,189 |
| Noncurrent assets plus other real estate owned to assets | 3.5683% | 1,238 |
| Noncurrent loans to loans | 3.9478% | 1,250 |
| Net loans and leases to total assets | 89.6360% | 220 |
| Net loans and leases to deposits | 121.2363% | 361 |
| Net loans and leases to core deposits | 129.8943% | 1,861 |
| Total domestic deposits to total assets | 73.9350% | 6,667 |
| Equity capital to assets | 17.8038% | 674 |
| Core capital (leverage) ratio | 17.4599% | 651 |
| Tier 1 risk-based capital ratio | 20.7730% | 1,491 |
| Total risk-based capital ratio | 21.6518% | 1,517 |
| Memoranda: | ||
| Average total assets | $30,919,000 | 7,605 |
| Average earning assets | $27,940,800 | 7,618 |
| Average equity | $5,758,800 | 6,896 |
| Average total loans | $27,341,600 | 6,880 |