Home > Union Bank and Trust Company > Performance and Condition Ratios
Union Bank and Trust Company, Performance and Condition Ratios
| 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 | 5.6231% | 3,481 |
| Cost of funding earning assets | 2.0567% | 2,695 |
| Net interest margin | 3.5664% | 4,671 |
| Noninterest income to average assets | 1.3598% | 799 |
| Noninterest expense to average assets | 3.2986% | 3,010 |
| Loan and lease loss provision to assets | 0.7709% | 2,798 |
| Net operating income to assets | 0.3771% | 4,225 |
| Return on assets (ROA) | 0.3795% | 4,313 |
| Pretax return on assets | 0.4496% | 4,354 |
| Return on Equity (ROE) | 3.4273% | 4,317 |
| Retained earnings to average equity (ytd only) | 0.9508% | 4,364 |
| Net charge-offs to loans | 0.7205% | 3,030 |
| Credit loss provision to net charge-offs | 138.9252% | 3,527 |
| Earnings coverage of net charge-offs (x) | 2.1941% | 4,082 |
| Efficiency ratio | 71.4898% | 4,351 |
| Assets per employee ($millions) | 5.1195% | 2,055 |
| Cash dividends to net income (ytd only)* | 72.2581% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6948% | 2,907 |
| Loan loss allowance to noncurrent loans | 100.3846% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 2.2108% | 3,114 |
| Noncurrent loans to loans | 1.6883% | 4,114 |
| Net loans and leases to total assets | 76.5356% | 1,690 |
| Net loans and leases to deposits | 105.0360% | 601 |
| Net loans and leases to core deposits | 131.1895% | 1,219 |
| Total domestic deposits to total assets | 72.8661% | 7,169 |
| Equity capital to assets | 11.2560% | 2,493 |
| Core capital (leverage) ratio | 8.5678% | 5,158 |
| Tier 1 risk-based capital ratio | 10.1716% | 6,713 |
| Total risk-based capital ratio | 11.4058% | 6,701 |
| Memoranda: | ||
| Average total assets | $2,042,049,000 | 349 |
| Average earning assets | $1,807,307,000 | 351 |
| Average equity | $226,123,800 | 314 |
| Average total loans | $1,572,807,400 | 320 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5724% | 4,020 |
| Cost of funding earning assets | 2.1654% | 2,573 |
| Net interest margin | 3.4070% | 5,236 |
| Noninterest income to average assets | 1.3537% | 825 |
| Noninterest expense to average assets | 3.2659% | 3,051 |
| Loan and lease loss provision to assets | 0.7031% | 2,626 |
| Net operating income to assets | 0.3443% | 4,623 |
| Return on assets (ROA) | 0.3449% | 4,717 |
| Pretax return on assets | 0.4004% | 4,801 |
| Return on Equity (ROE) | 3.1274% | 4,735 |
| Retained earnings to average equity (ytd only) | 0.4645% | 5,008 |
| Net charge-offs to loans | 0.3989% | 3,670 |
| Credit loss provision to net charge-offs | 229.4995% | 1,901 |
| Earnings coverage of net charge-offs (x) | 3.5996% | 3,465 |
| Efficiency ratio | 73.1504% | 4,027 |
| Assets per employee ($millions) | 5.1680% | 1,936 |
| Cash dividends to net income (ytd only)* | 85.1466% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 2,263 |
| Loan loss allowance to noncurrent loans | 85.0180% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 2.2651% | 3,020 |
| Noncurrent loans to loans | 2.1221% | 3,481 |
| Net loans and leases to total assets | 76.1337% | 1,973 |
| Net loans and leases to deposits | 101.1269% | 1,001 |
| Net loans and leases to core deposits | 129.0381% | 1,497 |
| Total domestic deposits to total assets | 75.2853% | 6,723 |
| Equity capital to assets | 11.1891% | 2,842 |
| Core capital (leverage) ratio | 8.5473% | 5,409 |
| Tier 1 risk-based capital ratio | 10.0619% | 6,913 |
| Total risk-based capital ratio | 11.3176% | 6,859 |
| Memoranda: | ||
| Average total assets | $2,043,169,750 | 362 |
| Average earning assets | $1,808,129,750 | 364 |
| Average equity | $225,317,750 | 326 |
| Average total loans | $1,569,421,750 | 336 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5363% | 4,406 |
| Cost of funding earning assets | 2.2684% | 2,497 |
| Net interest margin | 3.2679% | 5,672 |
| Noninterest income to average assets | 1.3834% | 798 |
| Noninterest expense to average assets | 3.2420% | 3,183 |
| Loan and lease loss provision to assets | 0.6765% | 2,404 |
| Net operating income to assets | 0.2973% | 4,908 |
| Return on assets (ROA) | 0.2982% | 5,022 |
| Pretax return on assets | 0.3458% | 5,079 |
| Return on Equity (ROE) | 2.7170% | 5,009 |
| Retained earnings to average equity (ytd only) | -0.2256% | 5,279 |
| Net charge-offs to loans | 0.4679% | 2,959 |
| Credit loss provision to net charge-offs | 188.8282% | 2,415 |
| Earnings coverage of net charge-offs (x) | 2.8511% | 3,675 |
| Efficiency ratio | 74.3872% | 3,975 |
| Assets per employee ($millions) | 5.2099% | 1,849 |
| Cash dividends to net income (ytd only)* | 108.3032% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6195% | 2,662 |
| Loan loss allowance to noncurrent loans | 59.9199% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 2.7172% | 2,364 |
| Noncurrent loans to loans | 2.7027% | 2,666 |
| Net loans and leases to total assets | 76.1350% | 2,150 |
| Net loans and leases to deposits | 100.0792% | 1,282 |
| Net loans and leases to core deposits | 127.3238% | 1,760 |
| Total domestic deposits to total assets | 76.0748% | 6,527 |
| Equity capital to assets | 10.9260% | 2,993 |
| Core capital (leverage) ratio | 8.2809% | 5,839 |
| Tier 1 risk-based capital ratio | 9.9249% | 7,016 |
| Total risk-based capital ratio | 11.1785% | 6,933 |
| Memoranda: | ||
| Average total assets | $2,043,777,000 | 368 |
| Average earning assets | $1,801,209,670 | 372 |
| Average equity | $224,287,670 | 330 |
| Average total loans | $1,564,993,000 | 349 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5477% | 4,649 |
| Cost of funding earning assets | 2.3020% | 2,690 |
| Net interest margin | 3.2456% | 5,701 |
| Noninterest income to average assets | 1.2016% | 1,000 |
| Noninterest expense to average assets | 3.0532% | 3,546 |
| Loan and lease loss provision to assets | 0.5786% | 2,177 |
| Net operating income to assets | 0.3213% | 5,209 |
| Return on assets (ROA) | 0.3211% | 5,381 |
| Pretax return on assets | 0.4058% | 5,380 |
| Return on Equity (ROE) | 2.9194% | 5,403 |
| Retained earnings to average equity (ytd only) | 0.2443% | 5,562 |
| Net charge-offs to loans | 0.2287% | 3,269 |
| Credit loss provision to net charge-offs | 332.2072% | 1,502 |
| Earnings coverage of net charge-offs (x) | 5.6532% | 2,633 |
| Efficiency ratio | 73.8463% | 3,853 |
| Assets per employee ($millions) | 5.1377% | 1,909 |
| Cash dividends to net income (ytd only)* | 91.6310% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 2,591 |
| Loan loss allowance to noncurrent loans | 67.2283% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 2.1257% | 2,713 |
| Noncurrent loans to loans | 2.3517% | 2,801 |
| Net loans and leases to total assets | 74.6976% | 2,579 |
| Net loans and leases to deposits | 98.6677% | 1,575 |
| Net loans and leases to core deposits | 127.8699% | 1,794 |
| Total domestic deposits to total assets | 75.7062% | 6,573 |
| Equity capital to assets | 10.9995% | 2,959 |
| Core capital (leverage) ratio | 8.4110% | 5,698 |
| Tier 1 risk-based capital ratio | 10.1059% | 6,805 |
| Total risk-based capital ratio | 11.3590% | 6,712 |
| Memoranda: | ||
| Average total assets | $2,039,311,000 | 371 |
| Average earning assets | $1,782,083,000 | 375 |
| Average equity | $224,291,500 | 332 |
| Average total loans | $1,553,211,000 | 353 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3943% | 3,449 |
| Cost of funding earning assets | 2.5199% | 4,094 |
| Net interest margin | 3.8744% | 3,682 |
| Noninterest income to average assets | 1.3536% | 789 |
| Noninterest expense to average assets | 3.2931% | 2,987 |
| Loan and lease loss provision to assets | 0.5105% | 2,769 |
| Net operating income to assets | 0.7042% | 3,878 |
| Return on assets (ROA) | 0.7051% | 3,706 |
| Pretax return on assets | 0.9542% | 3,545 |
| Return on Equity (ROE) | 6.3100% | 3,822 |
| Retained earnings to average equity (ytd only) | 2.1541% | 3,890 |
| Net charge-offs to loans | 0.2369% | 3,877 |
| Credit loss provision to net charge-offs | 274.1063% | 1,672 |
| Earnings coverage of net charge-offs (x) | 7.8582% | 3,013 |
| Efficiency ratio | 67.6688% | 4,780 |
| Assets per employee ($millions) | 5.1489% | 1,785 |
| Cash dividends to net income (ytd only)* | 65.8626% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 2,947 |
| Loan loss allowance to noncurrent loans | 137.5880% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 1.1167% | 4,044 |
| Noncurrent loans to loans | 1.0508% | 4,472 |
| Net loans and leases to total assets | 75.3259% | 2,802 |
| Net loans and leases to deposits | 100.8964% | 1,729 |
| Net loans and leases to core deposits | 129.0128% | 1,928 |
| Total domestic deposits to total assets | 74.6567% | 6,528 |
| Equity capital to assets | 10.9973% | 3,043 |
| Core capital (leverage) ratio | 8.8659% | 4,946 |
| Tier 1 risk-based capital ratio | 10.0126% | 6,723 |
| Total risk-based capital ratio | 11.2641% | 6,599 |
| Memoranda: | ||
| Average total assets | $1,787,358,800 | 401 |
| Average earning assets | $1,569,965,200 | 406 |
| Average equity | $199,713,200 | 374 |
| Average total loans | $1,405,132,400 | 370 |