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Waterford Village 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 | 4.5188% | 7,611 |
| Cost of funding earning assets | 3.2078% | 261 |
| Net interest margin | 1.3109% | 8,059 |
| Noninterest income to average assets | 0.1098% | 7,436 |
| Noninterest expense to average assets | 7.1151% | 210 |
| Loan and lease loss provision to assets | 0.6796% | 2,392 |
| Net operating income to assets | -6.4870% | 8,022 |
| Return on assets (ROA) | -6.3565% | 8,008 |
| Pretax return on assets | -6.3565% | 7,970 |
| Return on Equity (ROE) | -935.3535% | 8,190 |
| Retained earnings to average equity (ytd only) | -935.3535% | 8,190 |
| Net charge-offs to loans | 1.1338% | 1,606 |
| Credit loss provision to net charge-offs | 77.3438% | 5,271 |
| Earnings coverage of net charge-offs (x) | -6.6094% | 6,484 |
| Efficiency ratio | 544.0945% | 33 |
| Assets per employee ($millions) | 4.2852% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 6,401 |
| Loan loss allowance to noncurrent loans | 261.4907% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 1.1327% | 4,687 |
| Noncurrent loans to loans | 0.3739% | 6,579 |
| Net loans and leases to total assets | 76.5380% | 2,049 |
| Net loans and leases to deposits | 75.9409% | 5,186 |
| Net loans and leases to core deposits | 111.7410% | 3,163 |
| Total domestic deposits to total assets | 100.7863% | 7 |
| Equity capital to assets | -1.2296% | 8,184 |
| Core capital (leverage) ratio | -1.2272% | 8,183 |
| Tier 1 risk-based capital ratio | -1.7529% | 8,182 |
| Total risk-based capital ratio | -1.7529% | 8,180 |
| Memoranda: | ||
| Average total assets | $58,270,670 | 6,504 |
| Average earning assets | $53,244,670 | 6,504 |
| Average equity | $396,000 | 8,187 |
| Average total loans | $45,159,000 | 5,977 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6021% | 7,618 |
| Cost of funding earning assets | 3.0583% | 512 |
| Net interest margin | 1.5438% | 8,051 |
| Noninterest income to average assets | 0.1142% | 7,459 |
| Noninterest expense to average assets | 4.8361% | 542 |
| Loan and lease loss provision to assets | 0.2888% | 3,644 |
| Net operating income to assets | -3.6002% | 7,931 |
| Return on assets (ROA) | -3.3449% | 7,897 |
| Pretax return on assets | -3.3449% | 7,816 |
| Return on Equity (ROE) | -212.7069% | 8,202 |
| Retained earnings to average equity (ytd only) | -212.7069% | 8,201 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 317.1806% | 74 |
| Assets per employee ($millions) | 3.9133% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0934% | 5,522 |
| Loan loss allowance to noncurrent loans | 64.1278% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.3867% | 3,868 |
| Noncurrent loans to loans | 1.7050% | 3,699 |
| Net loans and leases to total assets | 80.4446% | 1,304 |
| Net loans and leases to deposits | 81.9041% | 4,307 |
| Net loans and leases to core deposits | 123.5537% | 2,107 |
| Total domestic deposits to total assets | 98.2181% | 11 |
| Equity capital to assets | 1.1465% | 8,233 |
| Core capital (leverage) ratio | 1.0538% | 8,236 |
| Tier 1 risk-based capital ratio | 1.3379% | 8,234 |
| Total risk-based capital ratio | 2.4173% | 8,236 |
| Memoranda: | ||
| Average total assets | $59,552,500 | 6,486 |
| Average earning assets | $54,409,500 | 6,477 |
| Average equity | $936,500 | 8,213 |
| Average total loans | $46,209,500 | 5,953 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9900% | 7,840 |
| Cost of funding earning assets | 3.7710% | 219 |
| Net interest margin | 1.2190% | 8,211 |
| Noninterest income to average assets | 0.0902% | 7,684 |
| Noninterest expense to average assets | 7.5313% | 253 |
| Loan and lease loss provision to assets | 0.7859% | 1,898 |
| Net operating income to assets | -9.4178% | 8,250 |
| Return on assets (ROA) | -9.5228% | 8,250 |
| Pretax return on assets | -7.2700% | 8,172 |
| Return on Equity (ROE) | -110.5367% | 8,286 |
| Retained earnings to average equity (ytd only) | -110.5367% | 8,282 |
| Net charge-offs to loans | 0.3251% | 3,225 |
| Credit loss provision to net charge-offs | 431.3131% | 1,014 |
| Earnings coverage of net charge-offs (x) | -35.0101% | 6,967 |
| Efficiency ratio | 653.6741% | 31 |
| Assets per employee ($millions) | 3.7753% | 4,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 5,470 |
| Loan loss allowance to noncurrent loans | 58.8452% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 1.3476% | 3,519 |
| Noncurrent loans to loans | 1.8220% | 3,029 |
| Net loans and leases to total assets | 73.1678% | 3,324 |
| Net loans and leases to deposits | 75.6293% | 5,632 |
| Net loans and leases to core deposits | 104.5563% | 4,342 |
| Total domestic deposits to total assets | 96.7453% | 5 |
| Equity capital to assets | 1.9866% | 8,285 |
| Core capital (leverage) ratio | 2.0449% | 8,287 |
| Tier 1 risk-based capital ratio | 2.6313% | 8,289 |
| Total risk-based capital ratio | 3.7151% | 8,291 |
| Memoranda: | ||
| Average total assets | $54,333,000 | 6,609 |
| Average earning assets | $47,334,800 | 6,701 |
| Average equity | $4,680,800 | 7,264 |
| Average total loans | $30,455,600 | 6,678 |