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Vineyard 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 | 4.9813% | 6,832 |
| Cost of funding earning assets | 3.5520% | 93 |
| Net interest margin | 1.4293% | 8,034 |
| Noninterest income to average assets | -3.0168% | 8,186 |
| Noninterest expense to average assets | 3.1937% | 3,354 |
| Loan and lease loss provision to assets | 12.2523% | 17 |
| Net operating income to assets | -17.1820% | 8,165 |
| Return on assets (ROA) | -16.4905% | 8,162 |
| Pretax return on assets | -16.5477% | 8,163 |
| Return on Equity (ROE) | -477.3186% | 8,181 |
| Retained earnings to average equity (ytd only) | -477.3186% | 8,181 |
| Net charge-offs to loans | 6.8875% | 139 |
| Credit loss provision to net charge-offs | 211.1447% | 2,173 |
| Earnings coverage of net charge-offs (x) | -0.8594% | 6,197 |
| Efficiency ratio | -177.1698% | 8,182 |
| Assets per employee ($millions) | 6.7702% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4185% | 43 |
| Loan loss allowance to noncurrent loans | 20.3220% | 7,112 |
| Noncurrent assets plus other real estate owned to assets | 35.4804% | 8 |
| Noncurrent loans to loans | 36.5049% | 11 |
| Net loans and leases to total assets | 78.8324% | 1,566 |
| Net loans and leases to deposits | 84.6275% | 3,770 |
| Net loans and leases to core deposits | 139.1137% | 1,051 |
| Total domestic deposits to total assets | 93.1523% | 92 |
| Equity capital to assets | -1.0965% | 8,182 |
| Core capital (leverage) ratio | -1.0650% | 8,182 |
| Tier 1 risk-based capital ratio | -1.3400% | 8,181 |
| Total risk-based capital ratio | -1.3400% | 8,179 |
| Memoranda: | ||
| Average total assets | $1,836,387,000 | 407 |
| Average earning assets | $1,572,119,000 | 425 |
| Average equity | $63,444,000 | 1,072 |
| Average total loans | $1,547,170,670 | 352 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2712% | 6,022 |
| Cost of funding earning assets | 3.4740% | 158 |
| Net interest margin | 1.7972% | 7,975 |
| Noninterest income to average assets | -2.8176% | 8,236 |
| Noninterest expense to average assets | 2.7176% | 4,921 |
| Loan and lease loss provision to assets | 10.5405% | 36 |
| Net operating income to assets | -14.4907% | 8,206 |
| Return on assets (ROA) | -13.1785% | 8,188 |
| Pretax return on assets | -13.1785% | 8,186 |
| Return on Equity (ROE) | -244.8965% | 8,208 |
| Retained earnings to average equity (ytd only) | -244.8965% | 8,207 |
| Net charge-offs to loans | 10.0432% | 61 |
| Credit loss provision to net charge-offs | 125.1349% | 3,172 |
| Earnings coverage of net charge-offs (x) | -0.4690% | 5,239 |
| Efficiency ratio | -219.1650% | 8,239 |
| Assets per employee ($millions) | 7.3064% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4974% | 321 |
| Loan loss allowance to noncurrent loans | 15.6757% | 7,374 |
| Noncurrent assets plus other real estate owned to assets | 22.4674% | 27 |
| Noncurrent loans to loans | 22.3111% | 34 |
| Net loans and leases to total assets | 81.0573% | 1,192 |
| Net loans and leases to deposits | 94.6461% | 2,160 |
| Net loans and leases to core deposits | 145.1085% | 898 |
| Total domestic deposits to total assets | 85.6425% | 2,904 |
| Equity capital to assets | 3.7571% | 8,175 |
| Core capital (leverage) ratio | 3.4868% | 8,187 |
| Tier 1 risk-based capital ratio | 4.1563% | 8,197 |
| Total risk-based capital ratio | 5.4351% | 8,197 |
| Memoranda: | ||
| Average total assets | $1,935,391,500 | 382 |
| Average earning assets | $1,706,852,000 | 400 |
| Average equity | $104,148,500 | 642 |
| Average total loans | $1,623,223,000 | 339 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6583% | 2,212 |
| Cost of funding earning assets | 3.4317% | 647 |
| Net interest margin | 3.2266% | 6,282 |
| Noninterest income to average assets | -0.5423% | 8,276 |
| Noninterest expense to average assets | 2.7447% | 5,069 |
| Loan and lease loss provision to assets | 4.8468% | 114 |
| Net operating income to assets | -5.4116% | 8,116 |
| Return on assets (ROA) | -5.6396% | 8,120 |
| Pretax return on assets | -5.3618% | 8,055 |
| Return on Equity (ROE) | -63.7312% | 8,214 |
| Retained earnings to average equity (ytd only) | -63.7312% | 8,205 |
| Net charge-offs to loans | 5.8628% | 63 |
| Credit loss provision to net charge-offs | 95.9634% | 5,511 |
| Earnings coverage of net charge-offs (x) | -0.0568% | 6,291 |
| Efficiency ratio | 109.9995% | 705 |
| Assets per employee ($millions) | 6.9722% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6234% | 600 |
| Loan loss allowance to noncurrent loans | 13.1286% | 7,446 |
| Noncurrent assets plus other real estate owned to assets | 19.1837% | 29 |
| Noncurrent loans to loans | 19.9826% | 35 |
| Net loans and leases to total assets | 81.5586% | 1,309 |
| Net loans and leases to deposits | 103.0102% | 1,468 |
| Net loans and leases to core deposits | 154.5059% | 700 |
| Total domestic deposits to total assets | 79.1753% | 5,307 |
| Equity capital to assets | 6.8772% | 7,791 |
| Core capital (leverage) ratio | 6.4442% | 7,952 |
| Tier 1 risk-based capital ratio | 7.1771% | 8,160 |
| Total risk-based capital ratio | 8.4440% | 8,173 |
| Memoranda: | ||
| Average total assets | $2,243,973,400 | 322 |
| Average earning assets | $2,086,519,400 | 317 |
| Average equity | $198,571,400 | 377 |
| Average total loans | $1,933,145,800 | 283 |