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Union 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 | 5.5189% | 4,517 |
| Cost of funding earning assets | 4.6567% | 5 |
| Net interest margin | 0.8622% | 8,115 |
| Noninterest income to average assets | 1.4351% | 732 |
| Noninterest expense to average assets | 9.3958% | 122 |
| Loan and lease loss provision to assets | 6.8708% | 100 |
| Net operating income to assets | -8.7462% | 8,091 |
| Return on assets (ROA) | -8.7462% | 8,086 |
| Pretax return on assets | -14.2396% | 8,155 |
| Return on Equity (ROE) | -142.1935% | 8,121 |
| Retained earnings to average equity (ytd only) | -142.1935% | 8,119 |
| Net charge-offs to loans | 14.2765% | 26 |
| Credit loss provision to net charge-offs | 75.7445% | 5,304 |
| Earnings coverage of net charge-offs (x) | -0.8124% | 6,182 |
| Efficiency ratio | 463.5593% | 44 |
| Assets per employee ($millions) | 7.0311% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0561% | 124 |
| Loan loss allowance to noncurrent loans | 25.8635% | 6,781 |
| Noncurrent assets plus other real estate owned to assets | 35.0191% | 9 |
| Noncurrent loans to loans | 19.5492% | 56 |
| Net loans and leases to total assets | 55.6451% | 6,247 |
| Net loans and leases to deposits | 60.2671% | 6,866 |
| Net loans and leases to core deposits | 103.5609% | 4,111 |
| Total domestic deposits to total assets | 92.3307% | 166 |
| Equity capital to assets | 4.0082% | 8,098 |
| Core capital (leverage) ratio | 0.0000% | 8,174 |
| Tier 1 risk-based capital ratio | 0.0000% | 8,174 |
| Total risk-based capital ratio | 0.0000% | 8,174 |
| Memoranda: | ||
| Average total assets | $128,079,000 | 4,430 |
| Average earning assets | $87,916,000 | 5,268 |
| Average equity | $7,878,000 | 6,062 |
| Average total loans | $81,378,330 | 4,545 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 7,536 |
| Cost of funding earning assets | 4.6580% | 6 |
| Net interest margin | 0.0213% | 8,232 |
| Noninterest income to average assets | 2.4298% | 260 |
| Noninterest expense to average assets | 6.0958% | 282 |
| Loan and lease loss provision to assets | 6.4977% | 109 |
| Net operating income to assets | -6.2348% | 8,102 |
| Return on assets (ROA) | -6.2348% | 8,093 |
| Pretax return on assets | -10.1485% | 8,155 |
| Return on Equity (ROE) | -87.5869% | 8,136 |
| Retained earnings to average equity (ytd only) | -87.5869% | 8,128 |
| Net charge-offs to loans | 17.4677% | 21 |
| Credit loss provision to net charge-offs | 56.5641% | 4,578 |
| Earnings coverage of net charge-offs (x) | -0.3178% | 5,190 |
| Efficiency ratio | 249.3201% | 126 |
| Assets per employee ($millions) | 7.5625% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1621% | 195 |
| Loan loss allowance to noncurrent loans | 15.3739% | 7,386 |
| Noncurrent assets plus other real estate owned to assets | 31.8513% | 9 |
| Noncurrent loans to loans | 27.0729% | 16 |
| Net loans and leases to total assets | 59.1041% | 5,794 |
| Net loans and leases to deposits | 65.7165% | 6,400 |
| Net loans and leases to core deposits | 104.4653% | 4,087 |
| Total domestic deposits to total assets | 89.9380% | 829 |
| Equity capital to assets | 6.5096% | 7,868 |
| Core capital (leverage) ratio | 4.2687% | 8,162 |
| Tier 1 risk-based capital ratio | 4.9154% | 8,174 |
| Total risk-based capital ratio | 6.1854% | 8,170 |
| Memoranda: | ||
| Average total assets | $132,354,000 | 4,367 |
| Average earning assets | $94,032,000 | 5,088 |
| Average equity | $9,421,500 | 5,561 |
| Average total loans | $87,040,500 | 4,387 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8460% | 228 |
| Cost of funding earning assets | 4.4052% | 21 |
| Net interest margin | 3.4408% | 5,500 |
| Noninterest income to average assets | 0.2579% | 6,603 |
| Noninterest expense to average assets | 2.5430% | 5,848 |
| Loan and lease loss provision to assets | 5.2743% | 91 |
| Net operating income to assets | -2.8979% | 7,804 |
| Return on assets (ROA) | -2.8979% | 7,771 |
| Pretax return on assets | -4.6759% | 7,987 |
| Return on Equity (ROE) | -33.2597% | 8,005 |
| Retained earnings to average equity (ytd only) | -33.2597% | 7,964 |
| Net charge-offs to loans | 4.0694% | 156 |
| Credit loss provision to net charge-offs | 160.1309% | 3,226 |
| Earnings coverage of net charge-offs (x) | 0.1817% | 6,135 |
| Efficiency ratio | 80.9513% | 2,456 |
| Assets per employee ($millions) | 6.8073% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2228% | 91 |
| Loan loss allowance to noncurrent loans | 48.7351% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 15.8787% | 54 |
| Noncurrent loans to loans | 10.7168% | 182 |
| Net loans and leases to total assets | 65.9914% | 4,847 |
| Net loans and leases to deposits | 75.4681% | 5,656 |
| Net loans and leases to core deposits | 102.2465% | 4,582 |
| Total domestic deposits to total assets | 87.4428% | 1,731 |
| Equity capital to assets | 7.6933% | 7,210 |
| Core capital (leverage) ratio | 6.2531% | 8,004 |
| Tier 1 risk-based capital ratio | 7.6592% | 8,118 |
| Total risk-based capital ratio | 8.9458% | 8,143 |
| Memoranda: | ||
| Average total assets | $139,203,600 | 4,099 |
| Average earning assets | $116,658,800 | 4,349 |
| Average equity | $12,128,800 | 4,801 |
| Average total loans | $112,670,200 | 3,622 |