Home > Union National Community Bank > Performance and Condition Ratios
Union National Community Bank, Performance and Condition Ratios
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9478% | 3,339 |
| Cost of funding earning assets | 1.3915% | 1,655 |
| Net interest margin | 3.5563% | 4,784 |
| Noninterest income to average assets | 0.8785% | 1,733 |
| Noninterest expense to average assets | 3.6284% | 1,707 |
| Loan and lease loss provision to assets | 0.2620% | 3,041 |
| Net operating income to assets | 0.2052% | 5,767 |
| Return on assets (ROA) | 0.2212% | 5,777 |
| Pretax return on assets | 0.1821% | 5,980 |
| Return on Equity (ROE) | 2.5595% | 5,580 |
| Retained earnings to average equity (ytd only) | 2.5595% | 4,628 |
| Net charge-offs to loans | 0.7000% | 1,819 |
| Credit loss provision to net charge-offs | 52.3979% | 3,706 |
| Earnings coverage of net charge-offs (x) | 0.8561% | 3,997 |
| Efficiency ratio | 89.4460% | 1,379 |
| Assets per employee ($millions) | 3.6083% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9731% | 2,484 |
| Loan loss allowance to noncurrent loans | 146.6948% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 1.0256% | 4,854 |
| Noncurrent loans to loans | 1.3450% | 4,465 |
| Net loans and leases to total assets | 68.3845% | 2,477 |
| Net loans and leases to deposits | 78.6250% | 2,955 |
| Net loans and leases to core deposits | 85.1835% | 3,008 |
| Total domestic deposits to total assets | 86.9755% | 2,954 |
| Equity capital to assets | 8.6619% | 5,702 |
| Core capital (leverage) ratio | 8.4155% | 5,601 |
| Tier 1 risk-based capital ratio | 10.4922% | 6,809 |
| Total risk-based capital ratio | 13.4284% | 5,522 |
| Memoranda: | ||
| Average total assets | $450,331,500 | 1,490 |
| Average earning assets | $402,440,000 | 1,516 |
| Average equity | $38,913,500 | 1,708 |
| Average total loans | $321,729,000 | 1,359 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0473% | 4,331 |
| Cost of funding earning assets | 1.7319% | 1,457 |
| Net interest margin | 3.3153% | 5,936 |
| Noninterest income to average assets | 0.9702% | 1,607 |
| Noninterest expense to average assets | 3.5906% | 1,948 |
| Loan and lease loss provision to assets | 0.6949% | 2,363 |
| Net operating income to assets | -0.1893% | 6,106 |
| Return on assets (ROA) | -0.2821% | 6,242 |
| Pretax return on assets | -0.5028% | 6,327 |
| Return on Equity (ROE) | -3.3673% | 6,309 |
| Retained earnings to average equity (ytd only) | -3.3673% | 6,138 |
| Net charge-offs to loans | 0.8030% | 2,627 |
| Credit loss provision to net charge-offs | 125.0469% | 3,267 |
| Earnings coverage of net charge-offs (x) | 0.6067% | 5,498 |
| Efficiency ratio | 91.4164% | 1,221 |
| Assets per employee ($millions) | 3.4845% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 2,306 |
| Loan loss allowance to noncurrent loans | 131.9183% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 3.0010% | 2,342 |
| Noncurrent loans to loans | 1.5161% | 4,209 |
| Net loans and leases to total assets | 71.6938% | 2,166 |
| Net loans and leases to deposits | 82.5082% | 2,711 |
| Net loans and leases to core deposits | 90.0045% | 2,763 |
| Total domestic deposits to total assets | 86.8929% | 2,882 |
| Equity capital to assets | 8.6198% | 5,695 |
| Core capital (leverage) ratio | 8.2615% | 5,736 |
| Tier 1 risk-based capital ratio | 10.0497% | 6,958 |
| Total risk-based capital ratio | 12.9104% | 5,769 |
| Memoranda: | ||
| Average total assets | $479,920,600 | 1,398 |
| Average earning assets | $428,132,800 | 1,416 |
| Average equity | $40,210,400 | 1,650 |
| Average total loans | $332,114,000 | 1,344 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9795% | 4,909 |
| Cost of funding earning assets | 1.7931% | 1,442 |
| Net interest margin | 3.1864% | 6,388 |
| Noninterest income to average assets | 0.9290% | 1,692 |
| Noninterest expense to average assets | 3.4722% | 2,109 |
| Loan and lease loss provision to assets | 0.4221% | 3,375 |
| Net operating income to assets | -0.0249% | 6,050 |
| Return on assets (ROA) | -0.1512% | 6,331 |
| Pretax return on assets | -0.3139% | 6,416 |
| Return on Equity (ROE) | -1.8170% | 6,378 |
| Retained earnings to average equity (ytd only) | -1.8170% | 6,165 |
| Net charge-offs to loans | 0.4249% | 3,593 |
| Credit loss provision to net charge-offs | 145.4374% | 2,698 |
| Earnings coverage of net charge-offs (x) | 1.0527% | 5,003 |
| Efficiency ratio | 91.9136% | 1,133 |
| Assets per employee ($millions) | 3.6187% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9260% | 2,412 |
| Loan loss allowance to noncurrent loans | 87.3296% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 3.3737% | 2,112 |
| Noncurrent loans to loans | 2.2054% | 3,438 |
| Net loans and leases to total assets | 69.1700% | 2,942 |
| Net loans and leases to deposits | 81.1304% | 3,243 |
| Net loans and leases to core deposits | 89.1282% | 3,222 |
| Total domestic deposits to total assets | 85.2579% | 3,488 |
| Equity capital to assets | 8.6830% | 6,044 |
| Core capital (leverage) ratio | 8.4438% | 5,622 |
| Tier 1 risk-based capital ratio | 10.5093% | 6,772 |
| Total risk-based capital ratio | 13.3272% | 5,360 |
| Memoranda: | ||
| Average total assets | $488,396,000 | 1,392 |
| Average earning assets | $436,630,000 | 1,413 |
| Average equity | $40,651,500 | 1,635 |
| Average total loans | $333,569,000 | 1,355 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9570% | 5,146 |
| Cost of funding earning assets | 1.8821% | 1,300 |
| Net interest margin | 3.0749% | 6,667 |
| Noninterest income to average assets | 0.9157% | 1,637 |
| Noninterest expense to average assets | 3.2975% | 2,574 |
| Loan and lease loss provision to assets | 0.4536% | 3,054 |
| Net operating income to assets | -0.0174% | 6,104 |
| Return on assets (ROA) | -0.3261% | 6,542 |
| Pretax return on assets | -0.5650% | 6,637 |
| Return on Equity (ROE) | -3.9714% | 6,616 |
| Retained earnings to average equity (ytd only) | -3.9714% | 6,434 |
| Net charge-offs to loans | 0.5928% | 2,749 |
| Credit loss provision to net charge-offs | 113.1923% | 3,596 |
| Earnings coverage of net charge-offs (x) | 0.9255% | 4,850 |
| Efficiency ratio | 89.8900% | 1,339 |
| Assets per employee ($millions) | 3.8781% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7999% | 2,718 |
| Loan loss allowance to noncurrent loans | 108.9503% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 3.0036% | 2,373 |
| Noncurrent loans to loans | 1.6521% | 4,224 |
| Net loans and leases to total assets | 65.3137% | 3,983 |
| Net loans and leases to deposits | 78.9497% | 3,810 |
| Net loans and leases to core deposits | 88.7352% | 3,448 |
| Total domestic deposits to total assets | 82.7282% | 4,682 |
| Equity capital to assets | 8.0220% | 6,738 |
| Core capital (leverage) ratio | 8.0890% | 6,138 |
| Tier 1 risk-based capital ratio | 10.1673% | 6,931 |
| Total risk-based capital ratio | 12.9422% | 5,553 |
| Memoranda: | ||
| Average total assets | $495,588,670 | 1,375 |
| Average earning assets | $443,653,670 | 1,394 |
| Average equity | $40,690,670 | 1,625 |
| Average total loans | $335,012,330 | 1,360 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9961% | 5,039 |
| Cost of funding earning assets | 1.9758% | 1,168 |
| Net interest margin | 3.0203% | 6,782 |
| Noninterest income to average assets | 0.8945% | 1,648 |
| Noninterest expense to average assets | 3.2122% | 2,810 |
| Loan and lease loss provision to assets | 0.4022% | 2,956 |
| Net operating income to assets | 0.0146% | 6,250 |
| Return on assets (ROA) | 0.0762% | 6,199 |
| Pretax return on assets | 0.0478% | 6,259 |
| Return on Equity (ROE) | 0.9177% | 6,139 |
| Retained earnings to average equity (ytd only) | 0.9177% | 5,449 |
| Net charge-offs to loans | 0.4272% | 2,768 |
| Credit loss provision to net charge-offs | 138.1616% | 2,561 |
| Earnings coverage of net charge-offs (x) | 1.3343% | 3,947 |
| Efficiency ratio | 89.2117% | 1,490 |
| Assets per employee ($millions) | 3.7755% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8001% | 2,727 |
| Loan loss allowance to noncurrent loans | 99.4526% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 3.4302% | 2,056 |
| Noncurrent loans to loans | 1.8101% | 4,040 |
| Net loans and leases to total assets | 65.6204% | 3,951 |
| Net loans and leases to deposits | 78.3748% | 3,967 |
| Net loans and leases to core deposits | 86.8614% | 3,774 |
| Total domestic deposits to total assets | 83.7264% | 4,280 |
| Equity capital to assets | 8.2705% | 6,342 |
| Core capital (leverage) ratio | 8.3380% | 5,671 |
| Tier 1 risk-based capital ratio | 10.0012% | 7,037 |
| Total risk-based capital ratio | 12.7176% | 5,688 |
| Memoranda: | ||
| Average total assets | $493,247,000 | 1,415 |
| Average earning assets | $441,940,500 | 1,437 |
| Average equity | $40,970,000 | 1,631 |
| Average total loans | $336,151,000 | 1,393 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2504% | 5,410 |
| Cost of funding earning assets | 2.4057% | 1,282 |
| Net interest margin | 2.8447% | 6,983 |
| Noninterest income to average assets | 0.9536% | 1,735 |
| Noninterest expense to average assets | 3.2401% | 3,232 |
| Loan and lease loss provision to assets | 0.5264% | 3,741 |
| Net operating income to assets | -0.0966% | 5,676 |
| Return on assets (ROA) | -0.0485% | 5,607 |
| Pretax return on assets | -0.1601% | 5,660 |
| Return on Equity (ROE) | -0.5928% | 5,638 |
| Retained earnings to average equity (ytd only) | -1.5652% | 5,406 |
| Net charge-offs to loans | 0.3227% | 4,620 |
| Credit loss provision to net charge-offs | 233.0967% | 1,562 |
| Earnings coverage of net charge-offs (x) | 1.2893% | 4,839 |
| Efficiency ratio | 91.7551% | 1,584 |
| Assets per employee ($millions) | 3.6979% | 4,523 |
| Cash dividends to net income (ytd only)* | -164.0496% | 7,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7266% | 2,801 |
| Loan loss allowance to noncurrent loans | 64.6079% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 3.6300% | 1,836 |
| Noncurrent loans to loans | 2.6725% | 2,869 |
| Net loans and leases to total assets | 68.3057% | 3,634 |
| Net loans and leases to deposits | 82.2701% | 3,580 |
| Net loans and leases to core deposits | 97.6079% | 4,269 |
| Total domestic deposits to total assets | 83.0262% | 4,511 |
| Equity capital to assets | 8.3426% | 6,138 |
| Core capital (leverage) ratio | 8.3123% | 5,588 |
| Tier 1 risk-based capital ratio | 9.6936% | 7,103 |
| Total risk-based capital ratio | 12.3674% | 5,759 |
| Memoranda: | ||
| Average total assets | $499,059,800 | 1,380 |
| Average earning assets | $452,209,800 | 1,396 |
| Average equity | $40,824,200 | 1,640 |
| Average total loans | $349,261,400 | 1,385 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2896% | 5,485 |
| Cost of funding earning assets | 2.4838% | 1,353 |
| Net interest margin | 2.8058% | 7,051 |
| Noninterest income to average assets | 0.9260% | 1,880 |
| Noninterest expense to average assets | 3.2440% | 3,143 |
| Loan and lease loss provision to assets | 0.3842% | 4,022 |
| Net operating income to assets | -0.0381% | 5,776 |
| Return on assets (ROA) | 0.0231% | 5,712 |
| Pretax return on assets | -0.0577% | 5,794 |
| Return on Equity (ROE) | 0.2840% | 5,688 |
| Retained earnings to average equity (ytd only) | -0.3264% | 5,296 |
| Net charge-offs to loans | 0.3813% | 3,740 |
| Credit loss provision to net charge-offs | 143.7376% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.8638% | 5,194 |
| Efficiency ratio | 93.3553% | 1,441 |
| Assets per employee ($millions) | 3.7826% | 4,219 |
| Cash dividends to net income (ytd only)* | 214.9397% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 3,936 |
| Loan loss allowance to noncurrent loans | 65.9972% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 2.1574% | 3,152 |
| Noncurrent loans to loans | 2.1226% | 3,480 |
| Net loans and leases to total assets | 67.6363% | 4,041 |
| Net loans and leases to deposits | 81.3737% | 4,136 |
| Net loans and leases to core deposits | 95.4069% | 4,878 |
| Total domestic deposits to total assets | 83.1182% | 4,168 |
| Equity capital to assets | 8.3271% | 6,473 |
| Core capital (leverage) ratio | 8.1933% | 6,025 |
| Tier 1 risk-based capital ratio | 9.7957% | 7,142 |
| Total risk-based capital ratio | 12.3476% | 5,812 |
| Memoranda: | ||
| Average total assets | $501,794,000 | 1,390 |
| Average earning assets | $455,848,750 | 1,398 |
| Average equity | $40,849,750 | 1,653 |
| Average total loans | $351,758,250 | 1,388 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2836% | 5,732 |
| Cost of funding earning assets | 2.5874% | 1,323 |
| Net interest margin | 2.6962% | 7,207 |
| Noninterest income to average assets | 0.9096% | 1,944 |
| Noninterest expense to average assets | 3.2704% | 3,082 |
| Loan and lease loss provision to assets | 0.3677% | 3,722 |
| Net operating income to assets | -0.1275% | 6,062 |
| Return on assets (ROA) | -0.0939% | 6,046 |
| Pretax return on assets | -0.2320% | 6,159 |
| Return on Equity (ROE) | -1.1624% | 6,094 |
| Retained earnings to average equity (ytd only) | -2.0834% | 5,767 |
| Net charge-offs to loans | 0.5174% | 2,773 |
| Credit loss provision to net charge-offs | 100.6536% | 4,535 |
| Earnings coverage of net charge-offs (x) | 0.2277% | 5,445 |
| Efficiency ratio | 97.5202% | 1,290 |
| Assets per employee ($millions) | 3.8677% | 3,948 |
| Cash dividends to net income (ytd only)* | -79.2373% | 8,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 4,627 |
| Loan loss allowance to noncurrent loans | 64.5849% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 2.0888% | 3,073 |
| Noncurrent loans to loans | 1.9308% | 3,628 |
| Net loans and leases to total assets | 67.1840% | 4,318 |
| Net loans and leases to deposits | 81.1385% | 4,369 |
| Net loans and leases to core deposits | 95.0280% | 5,001 |
| Total domestic deposits to total assets | 82.8017% | 4,333 |
| Equity capital to assets | 7.8595% | 6,902 |
| Core capital (leverage) ratio | 7.9559% | 6,410 |
| Tier 1 risk-based capital ratio | 9.8181% | 7,115 |
| Total risk-based capital ratio | 12.3351% | 5,712 |
| Memoranda: | ||
| Average total assets | $502,625,330 | 1,413 |
| Average earning assets | $455,596,670 | 1,414 |
| Average equity | $40,607,330 | 1,670 |
| Average total loans | $354,842,330 | 1,408 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3829% | 5,513 |
| Cost of funding earning assets | 2.7204% | 1,207 |
| Net interest margin | 2.6625% | 7,275 |
| Noninterest income to average assets | 0.8431% | 2,110 |
| Noninterest expense to average assets | 3.1840% | 3,059 |
| Loan and lease loss provision to assets | 0.2520% | 3,956 |
| Net operating income to assets | -0.0951% | 6,404 |
| Return on assets (ROA) | -0.3157% | 6,774 |
| Pretax return on assets | -0.5307% | 6,845 |
| Return on Equity (ROE) | -3.8529% | 6,877 |
| Retained earnings to average equity (ytd only) | -5.6909% | 6,644 |
| Net charge-offs to loans | 0.3941% | 2,518 |
| Credit loss provision to net charge-offs | 88.9205% | 4,029 |
| Earnings coverage of net charge-offs (x) | 0.2330% | 4,797 |
| Efficiency ratio | 97.9683% | 1,221 |
| Assets per employee ($millions) | 3.8026% | 4,087 |
| Cash dividends to net income (ytd only)* | -47.7041% | 8,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 4,723 |
| Loan loss allowance to noncurrent loans | 79.5249% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.1343% | 4,407 |
| Noncurrent loans to loans | 1.5243% | 3,998 |
| Net loans and leases to total assets | 69.0752% | 3,895 |
| Net loans and leases to deposits | 86.2796% | 3,580 |
| Net loans and leases to core deposits | 101.3884% | 4,403 |
| Total domestic deposits to total assets | 80.0597% | 5,347 |
| Equity capital to assets | 7.9938% | 6,820 |
| Core capital (leverage) ratio | 8.0519% | 6,376 |
| Tier 1 risk-based capital ratio | 9.9280% | 7,008 |
| Total risk-based capital ratio | 12.4876% | 5,570 |
| Memoranda: | ||
| Average total assets | $496,738,500 | 1,429 |
| Average earning assets | $449,050,000 | 1,442 |
| Average equity | $40,696,500 | 1,670 |
| Average total loans | $357,284,500 | 1,409 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3132% | 3,893 |
| Cost of funding earning assets | 2.8953% | 2,285 |
| Net interest margin | 3.4180% | 5,587 |
| Noninterest income to average assets | 0.9824% | 1,638 |
| Noninterest expense to average assets | 3.4292% | 2,583 |
| Loan and lease loss provision to assets | 0.2082% | 4,813 |
| Net operating income to assets | 0.3990% | 5,152 |
| Return on assets (ROA) | 0.1965% | 5,678 |
| Pretax return on assets | 0.2139% | 5,701 |
| Return on Equity (ROE) | 2.4450% | 5,444 |
| Retained earnings to average equity (ytd only) | 1.1380% | 4,549 |
| Net charge-offs to loans | 0.0937% | 5,395 |
| Credit loss provision to net charge-offs | 298.5465% | 1,519 |
| Earnings coverage of net charge-offs (x) | 9.2093% | 2,734 |
| Efficiency ratio | 84.2239% | 2,026 |
| Assets per employee ($millions) | 3.5067% | 4,637 |
| Cash dividends to net income (ytd only)* | 53.4572% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 4,412 |
| Loan loss allowance to noncurrent loans | 87.9161% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.0243% | 4,266 |
| Noncurrent loans to loans | 1.3836% | 3,754 |
| Net loans and leases to total assets | 73.1348% | 3,328 |
| Net loans and leases to deposits | 92.2347% | 3,091 |
| Net loans and leases to core deposits | 106.9584% | 4,082 |
| Total domestic deposits to total assets | 79.2921% | 5,268 |
| Equity capital to assets | 8.4022% | 6,248 |
| Core capital (leverage) ratio | 8.4120% | 5,734 |
| Tier 1 risk-based capital ratio | 9.9682% | 6,768 |
| Total risk-based capital ratio | 12.5112% | 5,359 |
| Memoranda: | ||
| Average total assets | $493,202,000 | 1,375 |
| Average earning assets | $445,762,200 | 1,402 |
| Average equity | $39,632,600 | 1,703 |
| Average total loans | $367,058,600 | 1,322 |