Home > Williamsburg First National Bank > Performance and Condition Ratios
Williamsburg First National Bank, Performance and Condition Ratios
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 7,054 |
| Cost of funding earning assets | 1.8893% | 1,276 |
| Net interest margin | 2.4088% | 7,470 |
| Noninterest income to average assets | 0.8750% | 1,781 |
| Noninterest expense to average assets | 3.9033% | 1,181 |
| Loan and lease loss provision to assets | 4.4570% | 152 |
| Net operating income to assets | -5.3451% | 7,708 |
| Return on assets (ROA) | -4.8645% | 7,694 |
| Pretax return on assets | -4.8645% | 7,673 |
| Return on Equity (ROE) | -259.4468% | 7,816 |
| Retained earnings to average equity (ytd only) | -259.4468% | 7,816 |
| Net charge-offs to loans | 12.7951% | 18 |
| Credit loss provision to net charge-offs | 67.1583% | 5,042 |
| Earnings coverage of net charge-offs (x) | -0.1338% | 5,831 |
| Efficiency ratio | 129.4574% | 320 |
| Assets per employee ($millions) | 2.8980% | 6,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7176% | 67 |
| Loan loss allowance to noncurrent loans | 34.9839% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 10.8411% | 337 |
| Noncurrent loans to loans | 19.2020% | 96 |
| Net loans and leases to total assets | 46.4148% | 6,754 |
| Net loans and leases to deposits | 47.6640% | 7,181 |
| Net loans and leases to core deposits | 100.3249% | 1,981 |
| Total domestic deposits to total assets | 97.3791% | 11 |
| Equity capital to assets | 1.2177% | 7,810 |
| Core capital (leverage) ratio | 0.9050% | 7,810 |
| Tier 1 risk-based capital ratio | 1.6602% | 7,809 |
| Total risk-based capital ratio | 2.9688% | 7,807 |
| Memoranda: | ||
| Average total assets | $136,909,670 | 4,194 |
| Average earning assets | $121,635,330 | 4,279 |
| Average equity | $2,567,000 | 7,532 |
| Average total loans | $71,011,670 | 4,756 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3052% | 7,126 |
| Cost of funding earning assets | 2.0015% | 1,079 |
| Net interest margin | 2.3037% | 7,594 |
| Noninterest income to average assets | 0.8191% | 1,933 |
| Noninterest expense to average assets | 2.6399% | 5,184 |
| Loan and lease loss provision to assets | 7.5600% | 64 |
| Net operating income to assets | -7.3574% | 7,851 |
| Return on assets (ROA) | -6.4184% | 7,833 |
| Pretax return on assets | -6.4184% | 7,822 |
| Return on Equity (ROE) | -294.3236% | 7,905 |
| Retained earnings to average equity (ytd only) | -294.3236% | 7,905 |
| Net charge-offs to loans | 19.3431% | 11 |
| Credit loss provision to net charge-offs | 73.9531% | 4,014 |
| Earnings coverage of net charge-offs (x) | 0.0198% | 5,010 |
| Efficiency ratio | 92.8715% | 1,214 |
| Assets per employee ($millions) | 3.0272% | 6,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0881% | 56 |
| Loan loss allowance to noncurrent loans | 36.8528% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 10.8645% | 344 |
| Noncurrent loans to loans | 19.2335% | 92 |
| Net loans and leases to total assets | 46.2945% | 6,811 |
| Net loans and leases to deposits | 48.0018% | 7,235 |
| Net loans and leases to core deposits | 103.9573% | 1,744 |
| Total domestic deposits to total assets | 96.4431% | 26 |
| Equity capital to assets | 1.6352% | 7,894 |
| Core capital (leverage) ratio | 1.6147% | 7,894 |
| Tier 1 risk-based capital ratio | 3.0204% | 7,878 |
| Total risk-based capital ratio | 4.3355% | 7,875 |
| Memoranda: | ||
| Average total assets | $140,159,000 | 4,191 |
| Average earning assets | $123,107,500 | 4,299 |
| Average equity | $3,056,500 | 7,479 |
| Average total loans | $74,073,000 | 4,710 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6111% | 3,548 |
| Cost of funding earning assets | 2.2340% | 1,883 |
| Net interest margin | 3.3771% | 5,456 |
| Noninterest income to average assets | 0.9248% | 1,846 |
| Noninterest expense to average assets | 4.4050% | 871 |
| Loan and lease loss provision to assets | 6.2658% | 96 |
| Net operating income to assets | -5.9718% | 7,835 |
| Return on assets (ROA) | -5.4607% | 7,787 |
| Pretax return on assets | -6.1426% | 7,817 |
| Return on Equity (ROE) | -72.3208% | 7,820 |
| Retained earnings to average equity (ytd only) | -72.3208% | 7,817 |
| Net charge-offs to loans | 9.2067% | 47 |
| Credit loss provision to net charge-offs | 107.5082% | 5,159 |
| Earnings coverage of net charge-offs (x) | -0.0774% | 6,309 |
| Efficiency ratio | 111.4076% | 774 |
| Assets per employee ($millions) | 2.8789% | 6,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4287% | 53 |
| Loan loss allowance to noncurrent loans | 40.1028% | 5,737 |
| Noncurrent assets plus other real estate owned to assets | 11.6952% | 265 |
| Noncurrent loans to loans | 18.5242% | 93 |
| Net loans and leases to total assets | 51.6857% | 6,453 |
| Net loans and leases to deposits | 54.6412% | 7,010 |
| Net loans and leases to core deposits | 107.0599% | 3,211 |
| Total domestic deposits to total assets | 94.5912% | 60 |
| Equity capital to assets | 2.7193% | 7,929 |
| Core capital (leverage) ratio | 2.7259% | 7,922 |
| Tier 1 risk-based capital ratio | 4.5230% | 7,893 |
| Total risk-based capital ratio | 5.8432% | 7,892 |
| Memoranda: | ||
| Average total assets | $141,227,000 | 4,097 |
| Average earning assets | $126,678,000 | 4,162 |
| Average equity | $10,663,600 | 5,112 |
| Average total loans | $89,401,800 | 4,227 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6931% | 3,372 |
| Cost of funding earning assets | 2.3333% | 1,867 |
| Net interest margin | 3.3598% | 5,409 |
| Noninterest income to average assets | 0.9429% | 1,805 |
| Noninterest expense to average assets | 3.9952% | 1,276 |
| Loan and lease loss provision to assets | 1.9933% | 909 |
| Net operating income to assets | -1.2696% | 6,997 |
| Return on assets (ROA) | -1.1675% | 6,948 |
| Pretax return on assets | -1.8527% | 7,113 |
| Return on Equity (ROE) | -13.3324% | 7,096 |
| Retained earnings to average equity (ytd only) | -13.3324% | 7,031 |
| Net charge-offs to loans | 6.0624% | 144 |
| Credit loss provision to net charge-offs | 50.4539% | 6,299 |
| Earnings coverage of net charge-offs (x) | -0.0048% | 6,074 |
| Efficiency ratio | 100.4747% | 1,038 |
| Assets per employee ($millions) | 2.7959% | 6,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6590% | 370 |
| Loan loss allowance to noncurrent loans | 25.9530% | 6,726 |
| Noncurrent assets plus other real estate owned to assets | 10.2062% | 328 |
| Noncurrent loans to loans | 14.0986% | 175 |
| Net loans and leases to total assets | 59.4977% | 5,666 |
| Net loans and leases to deposits | 68.9148% | 6,036 |
| Net loans and leases to core deposits | 131.2152% | 1,363 |
| Total domestic deposits to total assets | 86.3352% | 2,519 |
| Equity capital to assets | 8.2484% | 6,565 |
| Core capital (leverage) ratio | 7.8320% | 6,580 |
| Tier 1 risk-based capital ratio | 11.5746% | 5,369 |
| Total risk-based capital ratio | 12.8502% | 5,278 |
| Memoranda: | ||
| Average total assets | $141,267,250 | 4,109 |
| Average earning assets | $127,542,500 | 4,167 |
| Average equity | $12,370,500 | 4,689 |
| Average total loans | $92,061,750 | 4,195 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7371% | 3,359 |
| Cost of funding earning assets | 2.3912% | 2,000 |
| Net interest margin | 3.3459% | 5,381 |
| Noninterest income to average assets | 0.9721% | 1,687 |
| Noninterest expense to average assets | 3.9307% | 1,429 |
| Loan and lease loss provision to assets | 0.2116% | 4,930 |
| Net operating income to assets | -0.1032% | 6,017 |
| Return on assets (ROA) | 0.0804% | 5,713 |
| Pretax return on assets | 0.1044% | 5,664 |
| Return on Equity (ROE) | 0.9012% | 5,659 |
| Retained earnings to average equity (ytd only) | 0.9012% | 4,818 |
| Net charge-offs to loans | 5.3229% | 226 |
| Credit loss provision to net charge-offs | 5.9976% | 6,212 |
| Earnings coverage of net charge-offs (x) | 0.0220% | 5,656 |
| Efficiency ratio | 98.0641% | 1,264 |
| Assets per employee ($millions) | 2.8063% | 6,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1226% | 509 |
| Loan loss allowance to noncurrent loans | 24.1374% | 6,889 |
| Noncurrent assets plus other real estate owned to assets | 8.7849% | 394 |
| Noncurrent loans to loans | 12.9368% | 184 |
| Net loans and leases to total assets | 62.4741% | 5,272 |
| Net loans and leases to deposits | 77.5219% | 4,939 |
| Net loans and leases to core deposits | 144.5105% | 819 |
| Total domestic deposits to total assets | 80.5890% | 5,237 |
| Equity capital to assets | 8.8073% | 5,587 |
| Core capital (leverage) ratio | 8.7483% | 5,006 |
| Tier 1 risk-based capital ratio | 12.5243% | 4,505 |
| Total risk-based capital ratio | 13.7949% | 4,409 |
| Memoranda: | ||
| Average total assets | $141,757,330 | 4,141 |
| Average earning assets | $128,636,000 | 4,172 |
| Average equity | $12,650,330 | 4,645 |
| Average total loans | $93,970,670 | 4,168 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8624% | 2,976 |
| Cost of funding earning assets | 2.4286% | 2,181 |
| Net interest margin | 3.4338% | 4,997 |
| Noninterest income to average assets | 1.1483% | 1,118 |
| Noninterest expense to average assets | 3.8391% | 1,402 |
| Loan and lease loss provision to assets | 0.2127% | 4,317 |
| Net operating income to assets | 0.1304% | 5,883 |
| Return on assets (ROA) | 0.1304% | 6,051 |
| Pretax return on assets | 0.2155% | 5,897 |
| Return on Equity (ROE) | 1.4519% | 5,987 |
| Retained earnings to average equity (ytd only) | 1.4519% | 5,040 |
| Net charge-offs to loans | 8.0162% | 94 |
| Credit loss provision to net charge-offs | 3.9474% | 5,232 |
| Earnings coverage of net charge-offs (x) | 0.0795% | 4,919 |
| Efficiency ratio | 89.9668% | 1,719 |
| Assets per employee ($millions) | 2.7225% | 6,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6711% | 278 |
| Loan loss allowance to noncurrent loans | 32.1237% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 7.7819% | 398 |
| Noncurrent loans to loans | 11.4280% | 201 |
| Net loans and leases to total assets | 63.1657% | 5,130 |
| Net loans and leases to deposits | 74.6477% | 5,405 |
| Net loans and leases to core deposits | 144.5696% | 913 |
| Total domestic deposits to total assets | 84.6184% | 3,409 |
| Equity capital to assets | 9.0759% | 5,256 |
| Core capital (leverage) ratio | 8.8944% | 4,866 |
| Tier 1 risk-based capital ratio | 12.5732% | 4,496 |
| Total risk-based capital ratio | 13.8509% | 4,396 |
| Memoranda: | ||
| Average total assets | $141,076,000 | 4,167 |
| Average earning assets | $128,139,000 | 4,189 |
| Average equity | $12,673,000 | 4,662 |
| Average total loans | $94,808,500 | 4,180 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9612% | 1,228 |
| Cost of funding earning assets | 2.7323% | 3,011 |
| Net interest margin | 4.2290% | 2,197 |
| Noninterest income to average assets | 0.9368% | 1,827 |
| Noninterest expense to average assets | 3.3156% | 2,918 |
| Loan and lease loss provision to assets | 3.1901% | 275 |
| Net operating income to assets | -1.1253% | 7,305 |
| Return on assets (ROA) | -1.1219% | 7,243 |
| Pretax return on assets | -1.6762% | 7,333 |
| Return on Equity (ROE) | -10.6302% | 7,319 |
| Retained earnings to average equity (ytd only) | -13.3016% | 7,353 |
| Net charge-offs to loans | 1.0482% | 1,173 |
| Credit loss provision to net charge-offs | 439.7773% | 996 |
| Earnings coverage of net charge-offs (x) | 2.0800% | 5,037 |
| Efficiency ratio | 68.7262% | 4,591 |
| Assets per employee ($millions) | 2.8690% | 6,391 |
| Cash dividends to net income (ytd only)* | -25.1309% | 7,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4069% | 79 |
| Loan loss allowance to noncurrent loans | 47.6464% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 8.0004% | 291 |
| Noncurrent loans to loans | 11.3480% | 154 |
| Net loans and leases to total assets | 65.1238% | 5,027 |
| Net loans and leases to deposits | 76.9575% | 5,479 |
| Net loans and leases to core deposits | 150.2289% | 846 |
| Total domestic deposits to total assets | 84.6230% | 3,017 |
| Equity capital to assets | 8.8896% | 5,514 |
| Core capital (leverage) ratio | 8.8444% | 4,976 |
| Tier 1 risk-based capital ratio | 12.5235% | 4,421 |
| Total risk-based capital ratio | 13.8237% | 4,296 |
| Memoranda: | ||
| Average total assets | $136,203,000 | 4,157 |
| Average earning assets | $125,208,000 | 4,150 |
| Average equity | $14,374,200 | 4,261 |
| Average total loans | $94,258,400 | 4,099 |