Home > Union Bank of Chandler > Performance and Condition Ratios
Union Bank of Chandler, Performance and Condition Ratios
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4733% | 2,546 |
| Cost of funding earning assets | 0.9620% | 6,125 |
| Net interest margin | 4.5113% | 1,235 |
| Noninterest income to average assets | 0.3869% | 5,063 |
| Noninterest expense to average assets | 2.6239% | 5,229 |
| Loan and lease loss provision to assets | 0.0442% | 6,644 |
| Net operating income to assets | 1.9697% | 353 |
| Return on assets (ROA) | 2.0179% | 356 |
| Pretax return on assets | 2.0179% | 598 |
| Return on Equity (ROE) | 19.1446% | 383 |
| Retained earnings to average equity (ytd only) | 14.8733% | 222 |
| Net charge-offs to loans | 0.0397% | 6,159 |
| Credit loss provision to net charge-offs | 169.2308% | 2,196 |
| Earnings coverage of net charge-offs (x) | 77.0675% | 393 |
| Efficiency ratio | 56.5764% | 6,480 |
| Assets per employee ($millions) | 3.7737% | 4,333 |
| Cash dividends to net income (ytd only)* | 22.3108% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 4,060 |
| Loan loss allowance to noncurrent loans | 93.6200% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.0918% | 4,928 |
| Noncurrent loans to loans | 1.5788% | 4,274 |
| Net loans and leases to total assets | 68.1314% | 3,179 |
| Net loans and leases to deposits | 77.7387% | 3,875 |
| Net loans and leases to core deposits | 85.9681% | 3,661 |
| Total domestic deposits to total assets | 87.6416% | 2,189 |
| Equity capital to assets | 11.5725% | 2,476 |
| Core capital (leverage) ratio | 10.1249% | 3,124 |
| Tier 1 risk-based capital ratio | 14.1310% | 3,739 |
| Total risk-based capital ratio | 15.3828% | 3,710 |
| Memoranda: | ||
| Average total assets | $132,676,750 | 4,260 |
| Average earning assets | $125,016,000 | 4,184 |
| Average equity | $13,984,500 | 4,203 |
| Average total loans | $87,342,500 | 4,185 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4606% | 2,697 |
| Cost of funding earning assets | 0.9992% | 6,146 |
| Net interest margin | 4.4614% | 1,286 |
| Noninterest income to average assets | 0.4019% | 4,901 |
| Noninterest expense to average assets | 2.6867% | 4,964 |
| Loan and lease loss provision to assets | 0.0301% | 6,642 |
| Net operating income to assets | 1.9055% | 392 |
| Return on assets (ROA) | 1.9778% | 379 |
| Pretax return on assets | 1.9778% | 629 |
| Return on Equity (ROE) | 19.3934% | 364 |
| Retained earnings to average equity (ytd only) | 13.2684% | 353 |
| Net charge-offs to loans | 0.0186% | 6,082 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 160.7500% | 219 |
| Efficiency ratio | 58.1244% | 6,361 |
| Assets per employee ($millions) | 3.9089% | 3,952 |
| Cash dividends to net income (ytd only)* | 31.5830% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 3,806 |
| Loan loss allowance to noncurrent loans | 396.7552% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 6,782 |
| Noncurrent loans to loans | 0.3838% | 6,474 |
| Net loans and leases to total assets | 63.5743% | 4,336 |
| Net loans and leases to deposits | 71.6459% | 5,051 |
| Net loans and leases to core deposits | 81.3529% | 4,510 |
| Total domestic deposits to total assets | 88.7340% | 1,583 |
| Equity capital to assets | 10.3216% | 3,624 |
| Core capital (leverage) ratio | 9.9213% | 3,258 |
| Tier 1 risk-based capital ratio | 13.7476% | 3,907 |
| Total risk-based capital ratio | 14.9990% | 3,870 |
| Memoranda: | ||
| Average total assets | $132,875,670 | 4,282 |
| Average earning assets | $125,700,000 | 4,191 |
| Average equity | $13,551,000 | 4,303 |
| Average total loans | $86,010,670 | 4,251 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4720% | 2,721 |
| Cost of funding earning assets | 1.0398% | 6,173 |
| Net interest margin | 4.4321% | 1,290 |
| Noninterest income to average assets | 0.2903% | 5,823 |
| Noninterest expense to average assets | 2.7103% | 4,858 |
| Loan and lease loss provision to assets | 0.0611% | 6,031 |
| Net operating income to assets | 1.7386% | 564 |
| Return on assets (ROA) | 1.7386% | 620 |
| Pretax return on assets | 1.7386% | 989 |
| Return on Equity (ROE) | 17.1566% | 590 |
| Retained earnings to average equity (ytd only) | 12.0308% | 744 |
| Net charge-offs to loans | 0.0283% | 5,173 |
| Credit loss provision to net charge-offs | 333.3333% | 1,193 |
| Earnings coverage of net charge-offs (x) | 98.1667% | 328 |
| Efficiency ratio | 60.0949% | 6,155 |
| Assets per employee ($millions) | 3.3710% | 5,368 |
| Cash dividends to net income (ytd only)* | 29.8770% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5964% | 3,463 |
| Loan loss allowance to noncurrent loans | 110.4184% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.9272% | 5,294 |
| Noncurrent loans to loans | 1.4457% | 4,572 |
| Net loans and leases to total assets | 63.1112% | 4,509 |
| Net loans and leases to deposits | 71.1056% | 5,183 |
| Net loans and leases to core deposits | 81.7271% | 4,535 |
| Total domestic deposits to total assets | 88.7570% | 1,637 |
| Equity capital to assets | 10.3189% | 3,445 |
| Core capital (leverage) ratio | 9.7618% | 3,442 |
| Tier 1 risk-based capital ratio | 14.2153% | 3,526 |
| Total risk-based capital ratio | 15.4678% | 3,497 |
| Memoranda: | ||
| Average total assets | $130,908,500 | 4,387 |
| Average earning assets | $124,635,000 | 4,265 |
| Average equity | $13,266,000 | 4,419 |
| Average total loans | $84,855,500 | 4,357 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7411% | 2,905 |
| Cost of funding earning assets | 1.2537% | 6,461 |
| Net interest margin | 4.4874% | 1,202 |
| Noninterest income to average assets | 0.3122% | 5,846 |
| Noninterest expense to average assets | 2.6241% | 5,702 |
| Loan and lease loss provision to assets | 0.3169% | 4,916 |
| Net operating income to assets | 1.5767% | 572 |
| Return on assets (ROA) | 1.5767% | 614 |
| Pretax return on assets | 1.5767% | 1,014 |
| Return on Equity (ROE) | 15.9744% | 560 |
| Retained earnings to average equity (ytd only) | 7.1524% | 919 |
| Net charge-offs to loans | 0.0768% | 6,345 |
| Credit loss provision to net charge-offs | 606.0606% | 487 |
| Earnings coverage of net charge-offs (x) | 36.2121% | 654 |
| Efficiency ratio | 58.0849% | 6,750 |
| Assets per employee ($millions) | 3.6208% | 4,729 |
| Cash dividends to net income (ytd only)* | 55.2261% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 3,434 |
| Loan loss allowance to noncurrent loans | 1,960.2941% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 7,370 |
| Noncurrent loans to loans | 0.0796% | 7,217 |
| Net loans and leases to total assets | 64.4892% | 4,496 |
| Net loans and leases to deposits | 72.0002% | 5,329 |
| Net loans and leases to core deposits | 89.4713% | 5,184 |
| Total domestic deposits to total assets | 89.5680% | 1,177 |
| Equity capital to assets | 9.9471% | 3,837 |
| Core capital (leverage) ratio | 9.7323% | 3,409 |
| Tier 1 risk-based capital ratio | 13.8205% | 3,620 |
| Total risk-based capital ratio | 15.0738% | 3,556 |
| Memoranda: | ||
| Average total assets | $126,212,400 | 4,423 |
| Average earning assets | $118,287,200 | 4,349 |
| Average equity | $12,457,400 | 4,644 |
| Average total loans | $85,919,400 | 4,333 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7707% | 3,020 |
| Cost of funding earning assets | 1.3233% | 6,480 |
| Net interest margin | 4.4474% | 1,322 |
| Noninterest income to average assets | 0.3153% | 5,960 |
| Noninterest expense to average assets | 2.6681% | 5,464 |
| Loan and lease loss provision to assets | 0.3728% | 4,090 |
| Net operating income to assets | 1.4305% | 965 |
| Return on assets (ROA) | 1.4305% | 1,027 |
| Pretax return on assets | 1.4305% | 1,622 |
| Return on Equity (ROE) | 14.5222% | 834 |
| Retained earnings to average equity (ytd only) | 8.2937% | 1,047 |
| Net charge-offs to loans | 0.0976% | 5,693 |
| Credit loss provision to net charge-offs | 555.5556% | 699 |
| Earnings coverage of net charge-offs (x) | 26.8724% | 1,010 |
| Efficiency ratio | 59.6713% | 6,459 |
| Assets per employee ($millions) | 3.4912% | 4,954 |
| Cash dividends to net income (ytd only)* | 42.8891% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 3,339 |
| Loan loss allowance to noncurrent loans | 3,061.9048% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 7,495 |
| Noncurrent loans to loans | 0.0495% | 7,381 |
| Net loans and leases to total assets | 66.4508% | 4,320 |
| Net loans and leases to deposits | 74.3910% | 5,308 |
| Net loans and leases to core deposits | 91.7921% | 5,252 |
| Total domestic deposits to total assets | 89.3264% | 1,048 |
| Equity capital to assets | 10.3124% | 3,716 |
| Core capital (leverage) ratio | 9.6306% | 3,740 |
| Tier 1 risk-based capital ratio | 13.9123% | 3,602 |
| Total risk-based capital ratio | 15.1651% | 3,543 |
| Memoranda: | ||
| Average total assets | $125,178,250 | 4,471 |
| Average earning assets | $116,978,750 | 4,410 |
| Average equity | $12,330,250 | 4,706 |
| Average total loans | $86,050,750 | 4,365 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7770% | 3,151 |
| Cost of funding earning assets | 1.3973% | 6,491 |
| Net interest margin | 4.3797% | 1,448 |
| Noninterest income to average assets | 0.3216% | 5,937 |
| Noninterest expense to average assets | 2.6734% | 5,483 |
| Loan and lease loss provision to assets | 0.3600% | 3,767 |
| Net operating income to assets | 1.3551% | 1,115 |
| Return on assets (ROA) | 1.3551% | 1,186 |
| Pretax return on assets | 1.3551% | 1,849 |
| Return on Equity (ROE) | 13.9769% | 993 |
| Retained earnings to average equity (ytd only) | 7.3432% | 1,451 |
| Net charge-offs to loans | 0.1064% | 5,096 |
| Credit loss provision to net charge-offs | 489.1304% | 948 |
| Earnings coverage of net charge-offs (x) | 23.3043% | 1,188 |
| Efficiency ratio | 60.9187% | 6,411 |
| Assets per employee ($millions) | 3.5595% | 4,663 |
| Cash dividends to net income (ytd only)* | 47.4616% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 3,636 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 7,540 |
| Noncurrent loans to loans | 0.0457% | 7,426 |
| Net loans and leases to total assets | 65.7324% | 4,624 |
| Net loans and leases to deposits | 73.4438% | 5,542 |
| Net loans and leases to core deposits | 87.4466% | 5,771 |
| Total domestic deposits to total assets | 89.5003% | 1,041 |
| Equity capital to assets | 9.8817% | 4,104 |
| Core capital (leverage) ratio | 9.3442% | 4,108 |
| Tier 1 risk-based capital ratio | 14.0329% | 3,500 |
| Total risk-based capital ratio | 15.2816% | 3,443 |
| Memoranda: | ||
| Average total assets | $125,009,670 | 4,509 |
| Average earning assets | $116,080,330 | 4,461 |
| Average equity | $12,120,000 | 4,780 |
| Average total loans | $86,466,330 | 4,386 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7556% | 3,501 |
| Cost of funding earning assets | 1.5192% | 6,348 |
| Net interest margin | 4.2364% | 1,788 |
| Noninterest income to average assets | 0.3067% | 5,989 |
| Noninterest expense to average assets | 2.6225% | 5,356 |
| Loan and lease loss provision to assets | 0.2396% | 4,065 |
| Net operating income to assets | 1.3640% | 1,222 |
| Return on assets (ROA) | 1.3640% | 1,311 |
| Pretax return on assets | 1.3640% | 2,071 |
| Return on Equity (ROE) | 14.2043% | 1,128 |
| Retained earnings to average equity (ytd only) | 6.6198% | 2,368 |
| Net charge-offs to loans | 0.0318% | 5,075 |
| Credit loss provision to net charge-offs | 1,071.4286% | 580 |
| Earnings coverage of net charge-offs (x) | 71.7143% | 562 |
| Efficiency ratio | 62.0559% | 6,037 |
| Assets per employee ($millions) | 3.5125% | 4,786 |
| Cash dividends to net income (ytd only)* | 53.3958% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 4,632 |
| Loan loss allowance to noncurrent loans | 1,567.6471% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 7,436 |
| Noncurrent loans to loans | 0.0781% | 7,300 |
| Net loans and leases to total assets | 69.9684% | 3,677 |
| Net loans and leases to deposits | 77.9387% | 4,930 |
| Net loans and leases to core deposits | 95.6350% | 5,006 |
| Total domestic deposits to total assets | 89.7736% | 899 |
| Equity capital to assets | 9.8904% | 4,128 |
| Core capital (leverage) ratio | 9.3960% | 4,111 |
| Tier 1 risk-based capital ratio | 13.3163% | 3,984 |
| Total risk-based capital ratio | 14.5248% | 3,927 |
| Memoranda: | ||
| Average total assets | $125,222,500 | 4,516 |
| Average earning assets | $115,852,500 | 4,484 |
| Average equity | $12,024,500 | 4,828 |
| Average total loans | $88,164,500 | 4,352 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5864% | 2,548 |
| Cost of funding earning assets | 2.3687% | 4,859 |
| Net interest margin | 4.2177% | 2,240 |
| Noninterest income to average assets | 0.3159% | 6,191 |
| Noninterest expense to average assets | 2.3993% | 6,394 |
| Loan and lease loss provision to assets | 0.1204% | 5,820 |
| Net operating income to assets | 1.7153% | 658 |
| Return on assets (ROA) | 1.7153% | 631 |
| Pretax return on assets | 1.7544% | 1,041 |
| Return on Equity (ROE) | 19.6594% | 401 |
| Retained earnings to average equity (ytd only) | 11.3896% | 283 |
| Net charge-offs to loans | -0.0248% | 7,948 |
| Credit loss provision to net charge-offs | -747.6190% | 7,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1356% | 6,987 |
| Assets per employee ($millions) | 3.4462% | 4,805 |
| Cash dividends to net income (ytd only)* | 42.0653% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 5,148 |
| Loan loss allowance to noncurrent loans | 2,217.7778% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 7,413 |
| Noncurrent loans to loans | 0.0504% | 7,309 |
| Net loans and leases to total assets | 69.2098% | 4,206 |
| Net loans and leases to deposits | 76.9200% | 5,484 |
| Net loans and leases to core deposits | 87.4409% | 6,028 |
| Total domestic deposits to total assets | 89.9763% | 650 |
| Equity capital to assets | 9.3249% | 4,911 |
| Core capital (leverage) ratio | 9.3089% | 4,283 |
| Tier 1 risk-based capital ratio | 12.7687% | 4,246 |
| Total risk-based capital ratio | 13.8723% | 4,262 |
| Memoranda: | ||
| Average total assets | $130,415,000 | 4,275 |
| Average earning assets | $122,388,800 | 4,204 |
| Average equity | $11,378,800 | 5,011 |
| Average total loans | $84,625,800 | 4,379 |