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Virginia Business Bank, Performance and Condition Ratios

2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5196%1,259
Cost of funding earning assets1.9082%198
Net interest margin3.6113%4,678
Noninterest income to average assets-0.0482%7,254
Noninterest expense to average assets4.8647%409
Loan and lease loss provision to assets4.3242%62
Net operating income to assets-5.9541%7,459
Return on assets (ROA)-5.9541%7,460
Pretax return on assets-5.9541%7,460
Return on Equity (ROE)-368.6911%7,505
Retained earnings to average equity (ytd only)-368.6911%7,505
Net charge-offs to loans7.8775%43
Credit loss provision to net charge-offs68.5942%4,086
Earnings coverage of net charge-offs (x)-0.2586%5,431
Efficiency ratio150.3886%149
Assets per employee ($millions)10.4366%218
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans4.8966%198
Loan loss allowance to noncurrent loans56.4167%4,649
Noncurrent assets plus other real estate owned to assets10.1613%378
Noncurrent loans to loans8.6794%490
Net loans and leases to total assets78.7419%677
Net loans and leases to deposits90.1158%1,257
Net loans and leases to core deposits92.0475%2,123
Total domestic deposits to total assets87.3786%2,535
Equity capital to assets0.5977%7,504
Core capital (leverage) ratio0.5476%7,505
Tier 1 risk-based capital ratio0.7643%7,503
Total risk-based capital ratio1.5285%7,503
Memoranda:
Average total assets$95,463,0005,089
Average earning assets$86,782,0005,104
Average equity$1,541,6707,425
Average total loans$76,394,3304,334
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3082%1,847
Cost of funding earning assets1.8989%249
Net interest margin3.4092%5,392
Noninterest income to average assets-0.1695%7,417
Noninterest expense to average assets4.7512%453
Loan and lease loss provision to assets8.1382%22
Net operating income to assets-10.0150%7,554
Return on assets (ROA)-10.0150%7,554
Pretax return on assets-10.0150%7,551
Return on Equity (ROE)-492.4867%7,562
Retained earnings to average equity (ytd only)-492.4867%7,562
Net charge-offs to loans4.6034%178
Credit loss provision to net charge-offs224.1042%1,357
Earnings coverage of net charge-offs (x)-0.5168%4,797
Efficiency ratio165.2949%108
Assets per employee ($millions)8.7119%359
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans7.1031%57
Loan loss allowance to noncurrent loans55.4228%4,682
Noncurrent assets plus other real estate owned to assets11.8928%278
Noncurrent loans to loans12.8162%239
Net loans and leases to total assets74.6919%1,238
Net loans and leases to deposits84.2253%1,994
Net loans and leases to core deposits85.7674%2,907
Total domestic deposits to total assets88.6811%1,969
Equity capital to assets0.8306%7,560
Core capital (leverage) ratio0.8229%7,561
Tier 1 risk-based capital ratio1.1337%7,561
Total risk-based capital ratio2.2674%7,561
Memoranda:
Average total assets$101,448,0004,963
Average earning assets$90,577,5005,021
Average equity$2,063,0007,386
Average total loans$80,027,0004,252
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1497%3,852
Cost of funding earning assets2.1790%326
Net interest margin2.9706%6,794
Noninterest income to average assets0.0287%7,199
Noninterest expense to average assets3.5308%2,097
Loan and lease loss provision to assets4.1754%143
Net operating income to assets-4.9185%7,530
Return on assets (ROA)-4.8646%7,532
Pretax return on assets-4.8646%7,530
Return on Equity (ROE)-108.4671%7,604
Retained earnings to average equity (ytd only)-108.4671%7,604
Net charge-offs to loans5.2291%156
Credit loss provision to net charge-offs109.3544%4,033
Earnings coverage of net charge-offs (x)-0.1946%6,289
Efficiency ratio126.6564%346
Assets per employee ($millions)8.9221%349
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans5.2167%168
Loan loss allowance to noncurrent loans38.0225%5,772
Noncurrent assets plus other real estate owned to assets11.7704%291
Noncurrent loans to loans13.7200%206
Net loans and leases to total assets73.4815%1,773
Net loans and leases to deposits83.9438%2,457
Net loans and leases to core deposits85.8435%3,340
Total domestic deposits to total assets87.5365%2,526
Equity capital to assets3.1103%7,555
Core capital (leverage) ratio2.8267%7,570
Tier 1 risk-based capital ratio4.2896%7,554
Total risk-based capital ratio6.0673%7,535
Memoranda:
Average total assets$139,147,0004,069
Average earning assets$129,231,4004,035
Average equity$6,240,6006,293
Average total loans$101,605,4003,751
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0341%4,657
Cost of funding earning assets2.1762%413
Net interest margin2.8579%7,067
Noninterest income to average assets0.0027%7,430
Noninterest expense to average assets3.4237%2,226
Loan and lease loss provision to assets4.2771%131
Net operating income to assets-5.0164%7,645
Return on assets (ROA)-5.0164%7,655
Pretax return on assets-5.0164%7,642
Return on Equity (ROE)-105.9445%7,699
Retained earnings to average equity (ytd only)-105.9445%7,699
Net charge-offs to loans1.5559%1,283
Credit loss provision to net charge-offs380.7258%815
Earnings coverage of net charge-offs (x)-0.6581%6,379
Efficiency ratio127.5397%318
Assets per employee ($millions)8.0617%499
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans7.6627%46
Loan loss allowance to noncurrent loans81.8487%3,314
Noncurrent assets plus other real estate owned to assets7.6062%684
Noncurrent loans to loans9.3621%488
Net loans and leases to total assets68.3286%3,132
Net loans and leases to deposits77.2660%3,965
Net loans and leases to core deposits84.4658%3,879
Total domestic deposits to total assets88.4329%1,710
Equity capital to assets3.0112%7,693
Core capital (leverage) ratio2.7533%7,691
Tier 1 risk-based capital ratio4.4814%7,664
Total risk-based capital ratio7.1413%7,609
Memoranda:
Average total assets$147,167,5003,978
Average earning assets$138,094,5003,903
Average equity$6,968,2506,126
Average total loans$106,256,0003,675
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9471%5,194
Cost of funding earning assets2.1631%519
Net interest margin2.7839%7,164
Noninterest income to average assets0.0209%7,458
Noninterest expense to average assets2.7971%4,493
Loan and lease loss provision to assets3.4106%260
Net operating income to assets-3.5411%7,582
Return on assets (ROA)-3.5411%7,586
Pretax return on assets-3.5411%7,549
Return on Equity (ROE)-67.8561%7,676
Retained earnings to average equity (ytd only)-67.8561%7,674
Net charge-offs to loans1.9443%941
Credit loss provision to net charge-offs244.6629%1,576
Earnings coverage of net charge-offs (x)-0.0936%5,799
Efficiency ratio104.8948%658
Assets per employee ($millions)9.2643%314
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans5.2483%149
Loan loss allowance to noncurrent loans76.0034%3,566
Noncurrent assets plus other real estate owned to assets5.1447%1,234
Noncurrent loans to loans6.9053%833
Net loans and leases to total assets65.5027%3,938
Net loans and leases to deposits74.3235%4,628
Net loans and leases to core deposits81.1782%4,531
Total domestic deposits to total assets88.1319%1,939
Equity capital to assets4.5450%7,661
Core capital (leverage) ratio4.2880%7,664
Tier 1 risk-based capital ratio7.1820%7,586
Total risk-based capital ratio9.6919%7,500
Memoranda:
Average total assets$153,227,6703,901
Average earning assets$145,621,3303,785
Average equity$7,996,3305,805
Average total loans$109,858,3303,641
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9300%5,309
Cost of funding earning assets2.1666%657
Net interest margin2.7633%7,233
Noninterest income to average assets0.0231%7,588
Noninterest expense to average assets2.8023%4,470
Loan and lease loss provision to assets3.9813%219
Net operating income to assets-4.0841%7,719
Return on assets (ROA)-4.0841%7,722
Pretax return on assets-4.0841%7,695
Return on Equity (ROE)-73.7306%7,776
Retained earnings to average equity (ytd only)-73.7306%7,771
Net charge-offs to loans0.4932%2,583
Credit loss provision to net charge-offs1,107.1429%429
Earnings coverage of net charge-offs (x)-0.2857%5,200
Efficiency ratio103.8059%733
Assets per employee ($millions)9.3920%317
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans4.8460%195
Loan loss allowance to noncurrent loans77.5592%3,508
Noncurrent assets plus other real estate owned to assets4.7155%1,406
Noncurrent loans to loans6.2482%1,027
Net loans and leases to total assets64.4785%4,220
Net loans and leases to deposits76.8724%4,242
Net loans and leases to core deposits91.1747%3,213
Total domestic deposits to total assets83.8774%4,205
Equity capital to assets4.8959%7,727
Core capital (leverage) ratio4.8373%7,716
Tier 1 risk-based capital ratio7.8355%7,633
Total risk-based capital ratio10.2577%7,487
Memoranda:
Average total assets$155,727,0003,912
Average earning assets$150,833,0003,741
Average equity$8,626,0005,655
Average total loans$113,551,5003,605
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5724%3,747
Cost of funding earning assets2.7688%487
Net interest margin2.8036%7,055
Noninterest income to average assets-0.0563%7,767
Noninterest expense to average assets3.0500%3,945
Loan and lease loss provision to assets2.6620%719
Net operating income to assets-3.0519%7,405
Return on assets (ROA)-2.6150%7,303
Pretax return on assets-2.6150%7,182
Return on Equity (ROE)-43.8875%7,618
Retained earnings to average equity (ytd only)-43.8875%7,606
Net charge-offs to loans1.9312%1,282
Credit loss provision to net charge-offs170.7346%2,496
Earnings coverage of net charge-offs (x)-0.2501%6,502
Efficiency ratio114.6588%693
Assets per employee ($millions)8.9288%362
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans3.2234%647
Loan loss allowance to noncurrent loans55.5025%4,667
Noncurrent assets plus other real estate owned to assets5.0036%1,232
Noncurrent loans to loans5.8077%1,090
Net loans and leases to total assets75.8140%1,853
Net loans and leases to deposits91.3992%1,985
Net loans and leases to core deposits136.3144%941
Total domestic deposits to total assets82.9482%4,540
Equity capital to assets6.2158%7,626
Core capital (leverage) ratio5.9301%7,645
Tier 1 risk-based capital ratio8.4619%7,593
Total risk-based capital ratio10.7409%7,207
Memoranda:
Average total assets$159,768,4003,778
Average earning assets$154,798,4003,620
Average equity$9,519,8005,442
Average total loans$128,985,0003,290
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6202%3,739
Cost of funding earning assets2.8992%457
Net interest margin2.7210%7,179
Noninterest income to average assets0.0280%7,741
Noninterest expense to average assets2.8799%4,537
Loan and lease loss provision to assets3.4634%381
Net operating income to assets-3.6728%7,710
Return on assets (ROA)-3.5137%7,694
Pretax return on assets-3.5137%7,614
Return on Equity (ROE)-59.5730%7,890
Retained earnings to average equity (ytd only)-59.5730%7,887
Net charge-offs to loans1.6334%1,243
Credit loss provision to net charge-offs260.8318%1,634
Earnings coverage of net charge-offs (x)-0.1577%6,246
Efficiency ratio107.8395%810
Assets per employee ($millions)9.1021%358
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans3.7403%353
Loan loss allowance to noncurrent loans88.3959%3,113
Noncurrent assets plus other real estate owned to assets3.6120%1,822
Noncurrent loans to loans4.2313%1,701
Net loans and leases to total assets77.5398%1,664
Net loans and leases to deposits91.8185%2,259
Net loans and leases to core deposits109.6958%3,272
Total domestic deposits to total assets84.4490%3,505
Equity capital to assets4.7119%7,968
Core capital (leverage) ratio4.1238%7,977
Tier 1 risk-based capital ratio5.6656%7,966
Total risk-based capital ratio8.1703%7,907
Memoranda:
Average total assets$161,763,0003,765
Average earning assets$157,095,2503,599
Average equity$9,541,0005,480
Average total loans$131,503,5003,267
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7110%3,474
Cost of funding earning assets2.9540%530
Net interest margin2.7569%7,093
Noninterest income to average assets0.0219%7,860
Noninterest expense to average assets2.8177%4,880
Loan and lease loss provision to assets4.8164%224
Net operating income to assets-4.9359%7,924
Return on assets (ROA)-4.7006%7,911
Pretax return on assets-4.7006%7,831
Return on Equity (ROE)-74.9587%8,030
Retained earnings to average equity (ytd only)-74.9587%8,028
Net charge-offs to loans2.1631%856
Credit loss provision to net charge-offs273.1168%1,711
Earnings coverage of net charge-offs (x)-0.0677%5,768
Efficiency ratio104.4264%1,015
Assets per employee ($millions)8.0809%485
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans3.5657%358
Loan loss allowance to noncurrent loans98.5570%2,932
Noncurrent assets plus other real estate owned to assets3.0677%2,059
Noncurrent loans to loans3.6179%1,924
Net loans and leases to total assets76.5744%2,042
Net loans and leases to deposits90.4360%2,759
Net loans and leases to core deposits102.1535%4,274
Total domestic deposits to total assets84.6725%3,405
Equity capital to assets4.7167%8,058
Core capital (leverage) ratio4.4251%8,062
Tier 1 risk-based capital ratio5.7513%8,068
Total risk-based capital ratio8.1880%8,023
Memoranda:
Average total assets$164,105,3303,737
Average earning assets$159,307,3303,572
Average equity$10,291,0005,282
Average total loans$133,790,0003,274
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7068%3,769
Cost of funding earning assets2.9569%669
Net interest margin2.7499%7,091
Noninterest income to average assets0.0218%7,968
Noninterest expense to average assets2.5498%5,649
Loan and lease loss provision to assets0.2443%4,026
Net operating income to assets-0.1040%6,415
Return on assets (ROA)0.0387%6,312
Pretax return on assets0.0387%6,303
Return on Equity (ROE)0.5505%6,264
Retained earnings to average equity (ytd only)0.5505%5,436
Net charge-offs to loans0.1758%3,584
Credit loss provision to net charge-offs168.3333%2,543
Earnings coverage of net charge-offs (x)0.9667%4,290
Efficiency ratio94.7842%1,392
Assets per employee ($millions)9.0475%351
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.5216%2,859
Loan loss allowance to noncurrent loans158.5586%2,043
Noncurrent assets plus other real estate owned to assets1.2637%4,150
Noncurrent loans to loans0.9596%5,075
Net loans and leases to total assets83.9329%697
Net loans and leases to deposits101.7190%1,209
Net loans and leases to core deposits115.5639%2,841
Total domestic deposits to total assets82.5145%4,368
Equity capital to assets7.1898%7,569
Core capital (leverage) ratio6.8085%7,764
Tier 1 risk-based capital ratio8.1264%7,997
Total risk-based capital ratio10.4763%7,640
Memoranda:
Average total assets$165,349,0003,737
Average earning assets$160,440,5003,560
Average equity$11,625,0004,944
Average total loans$136,518,0003,238
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1099%4,992
Cost of funding earning assets3.4749%562
Net interest margin2.6350%7,599
Noninterest income to average assets0.0174%8,041
Noninterest expense to average assets3.1624%3,472
Loan and lease loss provision to assets1.3155%1,080
Net operating income to assets-1.9087%7,590
Return on assets (ROA)-1.8699%7,527
Pretax return on assets-1.8699%7,396
Return on Equity (ROE)-19.2606%7,745
Retained earnings to average equity (ytd only)-19.2606%7,658
Net charge-offs to loans0.4727%2,468
Credit loss provision to net charge-offs351.1628%1,283
Earnings coverage of net charge-offs (x)-1.5835%6,675
Efficiency ratio123.0888%541
Assets per employee ($millions)9.3246%320
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.5428%2,485
Loan loss allowance to noncurrent loans177.4636%2,158
Noncurrent assets plus other real estate owned to assets1.1278%4,016
Noncurrent loans to loans0.8694%4,882
Net loans and leases to total assets78.7426%1,949
Net loans and leases to deposits96.5377%2,363
Net loans and leases to core deposits108.4690%3,911
Total domestic deposits to total assets81.5667%4,381
Equity capital to assets6.8761%7,792
Core capital (leverage) ratio7.0664%7,645
Tier 1 risk-based capital ratio7.9298%8,093
Total risk-based capital ratio9.1891%8,124
Memoranda:
Average total assets$126,263,2004,368
Average earning assets$122,277,8004,207
Average equity$12,258,2004,765
Average total loans$100,063,6003,950