Home > VisionBank of Iowa > Performance and Condition Ratios
VisionBank of Iowa, Performance and Condition Ratios
| 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 | 5.1166% | 4,453 |
| Cost of funding earning assets | 2.3082% | 426 |
| Net interest margin | 2.8084% | 7,167 |
| Noninterest income to average assets | 0.0932% | 7,241 |
| Noninterest expense to average assets | 3.6407% | 1,637 |
| Loan and lease loss provision to assets | 3.3299% | 283 |
| Net operating income to assets | -4.3600% | 7,740 |
| Return on assets (ROA) | -4.1691% | 7,732 |
| Pretax return on assets | -4.1691% | 7,701 |
| Return on Equity (ROE) | -58.2371% | 7,740 |
| Retained earnings to average equity (ytd only) | -58.2371% | 7,731 |
| Net charge-offs to loans | 9.9540% | 55 |
| Credit loss provision to net charge-offs | 46.5839% | 4,530 |
| Earnings coverage of net charge-offs (x) | -0.1441% | 5,131 |
| Efficiency ratio | 139.4558% | 260 |
| Assets per employee ($millions) | 10.8901% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2278% | 91 |
| Loan loss allowance to noncurrent loans | 68.5365% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 13.0118% | 206 |
| Noncurrent loans to loans | 9.0868% | 524 |
| Net loans and leases to total assets | 62.0803% | 4,736 |
| Net loans and leases to deposits | 67.8046% | 5,618 |
| Net loans and leases to core deposits | 86.0076% | 3,893 |
| Total domestic deposits to total assets | 91.5577% | 355 |
| Equity capital to assets | 6.8445% | 7,430 |
| Core capital (leverage) ratio | 6.6518% | 7,411 |
| Tier 1 risk-based capital ratio | 10.0338% | 7,007 |
| Total risk-based capital ratio | 11.3437% | 6,960 |
| Memoranda: | ||
| Average total assets | $90,091,500 | 5,450 |
| Average earning assets | $80,757,000 | 5,479 |
| Average equity | $6,449,500 | 6,362 |
| Average total loans | $64,697,500 | 5,054 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5647% | 3,789 |
| Cost of funding earning assets | 3.0127% | 219 |
| Net interest margin | 2.5520% | 7,368 |
| Noninterest income to average assets | -0.5680% | 7,954 |
| Noninterest expense to average assets | 3.4245% | 2,600 |
| Loan and lease loss provision to assets | 5.8419% | 122 |
| Net operating income to assets | -7.5478% | 7,916 |
| Return on assets (ROA) | -7.5478% | 7,909 |
| Pretax return on assets | -7.5478% | 7,896 |
| Return on Equity (ROE) | -89.3175% | 7,899 |
| Retained earnings to average equity (ytd only) | -89.3175% | 7,897 |
| Net charge-offs to loans | 4.3229% | 349 |
| Credit loss provision to net charge-offs | 173.7591% | 2,433 |
| Earnings coverage of net charge-offs (x) | -0.5074% | 6,697 |
| Efficiency ratio | 199.2618% | 142 |
| Assets per employee ($millions) | 6.2041% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2076% | 93 |
| Loan loss allowance to noncurrent loans | 53.0253% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 15.6229% | 123 |
| Noncurrent loans to loans | 11.7070% | 296 |
| Net loans and leases to total assets | 72.2808% | 2,686 |
| Net loans and leases to deposits | 80.4309% | 3,902 |
| Net loans and leases to core deposits | 121.0451% | 1,879 |
| Total domestic deposits to total assets | 89.8670% | 1,028 |
| Equity capital to assets | 7.4531% | 7,070 |
| Core capital (leverage) ratio | 7.2985% | 6,987 |
| Tier 1 risk-based capital ratio | 9.6192% | 7,144 |
| Total risk-based capital ratio | 10.9320% | 7,084 |
| Memoranda: | ||
| Average total assets | $102,466,800 | 5,026 |
| Average earning assets | $91,810,400 | 5,063 |
| Average equity | $8,659,000 | 5,715 |
| Average total loans | $79,692,000 | 4,523 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5517% | 4,143 |
| Cost of funding earning assets | 3.1418% | 221 |
| Net interest margin | 2.4100% | 7,554 |
| Noninterest income to average assets | -0.3434% | 8,021 |
| Noninterest expense to average assets | 3.4103% | 2,547 |
| Loan and lease loss provision to assets | 6.9757% | 70 |
| Net operating income to assets | -8.5721% | 8,022 |
| Return on assets (ROA) | -8.5721% | 8,022 |
| Pretax return on assets | -8.5721% | 8,013 |
| Return on Equity (ROE) | -98.8488% | 8,010 |
| Retained earnings to average equity (ytd only) | -98.8488% | 8,007 |
| Net charge-offs to loans | 4.8722% | 244 |
| Credit loss provision to net charge-offs | 183.7186% | 2,485 |
| Earnings coverage of net charge-offs (x) | -0.4204% | 6,440 |
| Efficiency ratio | 188.0084% | 174 |
| Assets per employee ($millions) | 5.5412% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1605% | 79 |
| Loan loss allowance to noncurrent loans | 96.1832% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 11.7935% | 237 |
| Noncurrent loans to loans | 6.4050% | 904 |
| Net loans and leases to total assets | 75.7678% | 2,039 |
| Net loans and leases to deposits | 86.6327% | 3,205 |
| Net loans and leases to core deposits | 152.2794% | 532 |
| Total domestic deposits to total assets | 87.4587% | 1,914 |
| Equity capital to assets | 7.5751% | 7,243 |
| Core capital (leverage) ratio | 6.7352% | 7,566 |
| Tier 1 risk-based capital ratio | 9.3804% | 7,445 |
| Total risk-based capital ratio | 10.6923% | 7,376 |
| Memoranda: | ||
| Average total assets | $104,818,000 | 4,996 |
| Average earning assets | $93,830,250 | 5,043 |
| Average equity | $9,089,750 | 5,635 |
| Average total loans | $81,685,500 | 4,496 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1914% | 6,109 |
| Cost of funding earning assets | 3.0647% | 394 |
| Net interest margin | 2.1267% | 7,796 |
| Noninterest income to average assets | -0.3702% | 8,106 |
| Noninterest expense to average assets | 3.2050% | 3,325 |
| Loan and lease loss provision to assets | 3.9127% | 329 |
| Net operating income to assets | -5.5334% | 7,976 |
| Return on assets (ROA) | -5.5334% | 7,967 |
| Pretax return on assets | -5.5334% | 7,921 |
| Return on Equity (ROE) | -61.7144% | 7,982 |
| Retained earnings to average equity (ytd only) | -61.7144% | 7,977 |
| Net charge-offs to loans | 3.8564% | 374 |
| Credit loss provision to net charge-offs | 131.4634% | 3,548 |
| Earnings coverage of net charge-offs (x) | -0.5445% | 6,095 |
| Efficiency ratio | 202.2910% | 192 |
| Assets per employee ($millions) | 6.6301% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9897% | 569 |
| Loan loss allowance to noncurrent loans | 37.9575% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 10.3825% | 266 |
| Noncurrent loans to loans | 7.8763% | 566 |
| Net loans and leases to total assets | 74.2379% | 2,641 |
| Net loans and leases to deposits | 89.7828% | 2,868 |
| Net loans and leases to core deposits | 185.2445% | 182 |
| Total domestic deposits to total assets | 82.6860% | 4,388 |
| Equity capital to assets | 9.2909% | 4,891 |
| Core capital (leverage) ratio | 9.1367% | 4,408 |
| Tier 1 risk-based capital ratio | 11.6856% | 5,210 |
| Total risk-based capital ratio | 12.9562% | 5,123 |
| Memoranda: | ||
| Average total assets | $110,204,330 | 4,882 |
| Average earning assets | $101,283,670 | 4,865 |
| Average equity | $9,881,000 | 5,393 |
| Average total loans | $85,052,330 | 4,428 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1195% | 6,595 |
| Cost of funding earning assets | 3.0600% | 511 |
| Net interest margin | 2.0595% | 7,869 |
| Noninterest income to average assets | 0.2387% | 6,543 |
| Noninterest expense to average assets | 2.9680% | 3,901 |
| Loan and lease loss provision to assets | 2.9074% | 378 |
| Net operating income to assets | -3.7518% | 7,958 |
| Return on assets (ROA) | -3.7518% | 7,950 |
| Pretax return on assets | -3.7518% | 7,877 |
| Return on Equity (ROE) | -42.5734% | 8,014 |
| Retained earnings to average equity (ytd only) | -42.5734% | 7,994 |
| Net charge-offs to loans | 5.8674% | 165 |
| Credit loss provision to net charge-offs | 63.9498% | 4,455 |
| Earnings coverage of net charge-offs (x) | -0.1857% | 5,124 |
| Efficiency ratio | 139.7651% | 412 |
| Assets per employee ($millions) | 7.1413% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7178% | 2,083 |
| Loan loss allowance to noncurrent loans | 25.2567% | 6,884 |
| Noncurrent assets plus other real estate owned to assets | 9.3348% | 257 |
| Noncurrent loans to loans | 6.8015% | 611 |
| Net loans and leases to total assets | 72.6547% | 3,081 |
| Net loans and leases to deposits | 86.9223% | 3,487 |
| Net loans and leases to core deposits | 184.0873% | 209 |
| Total domestic deposits to total assets | 83.5858% | 3,884 |
| Equity capital to assets | 8.1996% | 6,537 |
| Core capital (leverage) ratio | 8.5046% | 5,527 |
| Tier 1 risk-based capital ratio | 10.4853% | 6,411 |
| Total risk-based capital ratio | 11.7405% | 6,321 |
| Memoranda: | ||
| Average total assets | $112,265,500 | 4,843 |
| Average earning assets | $102,743,500 | 4,840 |
| Average equity | $9,893,500 | 5,415 |
| Average total loans | $86,988,500 | 4,391 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2847% | 4,051 |
| Cost of funding earning assets | 3.4901% | 533 |
| Net interest margin | 2.7945% | 7,336 |
| Noninterest income to average assets | -0.1009% | 8,202 |
| Noninterest expense to average assets | 3.6818% | 1,988 |
| Loan and lease loss provision to assets | 1.9004% | 659 |
| Net operating income to assets | -3.0832% | 7,844 |
| Return on assets (ROA) | -3.0832% | 7,815 |
| Pretax return on assets | -3.0832% | 7,728 |
| Return on Equity (ROE) | -25.7441% | 7,874 |
| Retained earnings to average equity (ytd only) | -25.7441% | 7,822 |
| Net charge-offs to loans | 1.1747% | 1,032 |
| Credit loss provision to net charge-offs | 181.5455% | 2,763 |
| Earnings coverage of net charge-offs (x) | -1.1300% | 6,614 |
| Efficiency ratio | 147.3343% | 364 |
| Assets per employee ($millions) | 5.5135% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1350% | 1,021 |
| Loan loss allowance to noncurrent loans | 59.7188% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 7.2722% | 347 |
| Noncurrent loans to loans | 3.5750% | 1,413 |
| Net loans and leases to total assets | 79.4405% | 1,792 |
| Net loans and leases to deposits | 96.9091% | 2,304 |
| Net loans and leases to core deposits | 202.3025% | 161 |
| Total domestic deposits to total assets | 81.9742% | 4,211 |
| Equity capital to assets | 9.4477% | 4,756 |
| Core capital (leverage) ratio | 9.7729% | 3,681 |
| Tier 1 risk-based capital ratio | 10.9339% | 5,784 |
| Total risk-based capital ratio | 12.1932% | 5,691 |
| Memoranda: | ||
| Average total assets | $105,085,200 | 4,898 |
| Average earning assets | $97,762,000 | 4,867 |
| Average equity | $12,585,400 | 4,678 |
| Average total loans | $93,638,600 | 4,115 |