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United Americas Bank, Performance and Condition Ratios

2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1552%7,147
Cost of funding earning assets2.0797%579
Net interest margin2.0755%7,556
Noninterest income to average assets0.4402%4,636
Noninterest expense to average assets3.0843%3,402
Loan and lease loss provision to assets6.8333%30
Net operating income to assets-8.4566%7,733
Return on assets (ROA)-8.4498%7,733
Pretax return on assets-7.6336%7,725
Return on Equity (ROE)-289.2131%7,755
Retained earnings to average equity (ytd only)-289.2131%7,755
Net charge-offs to loans3.7401%348
Credit loss provision to net charge-offs235.3986%1,436
Earnings coverage of net charge-offs (x)-0.2781%6,230
Efficiency ratio135.4503%269
Assets per employee ($millions)11.0154%208
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans7.8455%42
Loan loss allowance to noncurrent loans34.0270%6,062
Noncurrent assets plus other real estate owned to assets25.6071%20
Noncurrent loans to loans23.0567%46
Net loans and leases to total assets70.6209%2,581
Net loans and leases to deposits88.3072%1,972
Net loans and leases to core deposits129.3805%390
Total domestic deposits to total assets79.9719%5,719
Equity capital to assets-0.7564%7,756
Core capital (leverage) ratio-0.8092%7,755
Tier 1 risk-based capital ratio-1.1280%7,755
Total risk-based capital ratio-1.1280%7,755
Memoranda:
Average total assets$253,538,0002,552
Average earning assets$224,387,5002,613
Average equity$7,407,5005,982
Average total loans$196,781,2502,223
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2034%7,166
Cost of funding earning assets2.1415%571
Net interest margin2.0619%7,629
Noninterest income to average assets0.4680%4,373
Noninterest expense to average assets3.1508%3,090
Loan and lease loss provision to assets8.3912%20
Net operating income to assets-10.4481%7,810
Return on assets (ROA)-10.4380%7,810
Pretax return on assets-9.2315%7,803
Return on Equity (ROE)-256.0531%7,813
Retained earnings to average equity (ytd only)-256.0531%7,813
Net charge-offs to loans5.2995%182
Credit loss provision to net charge-offs203.2003%1,923
Earnings coverage of net charge-offs (x)-0.2059%5,878
Efficiency ratio136.9719%269
Assets per employee ($millions)7.9902%499
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans6.6292%71
Loan loss allowance to noncurrent loans30.8903%6,304
Noncurrent assets plus other real estate owned to assets23.2705%32
Noncurrent loans to loans21.4605%63
Net loans and leases to total assets71.5167%2,532
Net loans and leases to deposits90.1473%1,828
Net loans and leases to core deposits138.9681%297
Total domestic deposits to total assets79.3331%5,936
Equity capital to assets0.3230%7,823
Core capital (leverage) ratio0.2624%7,823
Tier 1 risk-based capital ratio0.3832%7,821
Total risk-based capital ratio0.7664%7,821
Memoranda:
Average total assets$257,271,0002,534
Average earning assets$228,626,3302,595
Average equity$10,487,6705,063
Average total loans$200,471,0002,212
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1523%7,320
Cost of funding earning assets2.2018%587
Net interest margin1.9505%7,735
Noninterest income to average assets0.4335%4,626
Noninterest expense to average assets2.8833%4,126
Loan and lease loss provision to assets0.3053%3,595
Net operating income to assets-0.5775%6,879
Return on assets (ROA)-0.5297%6,878
Pretax return on assets-0.9387%7,019
Return on Equity (ROE)-9.0533%7,099
Retained earnings to average equity (ytd only)-9.0533%6,902
Net charge-offs to loans0.4683%2,643
Credit loss provision to net charge-offs82.9876%3,813
Earnings coverage of net charge-offs (x)-1.9253%5,464
Efficiency ratio132.5614%315
Assets per employee ($millions)8.2187%476
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans3.4912%555
Loan loss allowance to noncurrent loans32.4705%6,245
Noncurrent assets plus other real estate owned to assets14.1009%162
Noncurrent loans to loans10.7521%375
Net loans and leases to total assets75.1522%1,703
Net loans and leases to deposits101.0083%694
Net loans and leases to core deposits147.3984%259
Total domestic deposits to total assets74.4020%6,993
Equity capital to assets6.2890%7,573
Core capital (leverage) ratio5.6102%7,637
Tier 1 risk-based capital ratio7.4057%7,667
Total risk-based capital ratio8.6686%7,672
Memoranda:
Average total assets$262,058,5002,547
Average earning assets$233,992,5002,603
Average equity$15,331,5003,955
Average total loans$205,846,0002,220
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0575%6,233
Cost of funding earning assets2.6152%747
Net interest margin2.4423%7,479
Noninterest income to average assets0.8418%2,219
Noninterest expense to average assets2.6780%5,492
Loan and lease loss provision to assets3.6036%423
Net operating income to assets-2.4032%7,231
Return on assets (ROA)-2.4032%7,238
Pretax return on assets-3.2716%7,359
Return on Equity (ROE)-31.3433%7,428
Retained earnings to average equity (ytd only)-33.4454%7,453
Net charge-offs to loans2.0989%1,165
Credit loss provision to net charge-offs201.2376%1,938
Earnings coverage of net charge-offs (x)0.1854%5,964
Efficiency ratio88.9692%1,801
Assets per employee ($millions)8.1600%482
Cash dividends to net income (ytd only)*-6.7069%7,552
Condition Ratios (%)
Loss allowance to loans3.4298%559
Loan loss allowance to noncurrent loans88.5450%3,151
Noncurrent assets plus other real estate owned to assets7.9109%576
Noncurrent loans to loans3.8735%1,919
Net loans and leases to total assets76.5158%1,692
Net loans and leases to deposits101.6049%782
Net loans and leases to core deposits123.9380%1,642
Total domestic deposits to total assets75.3071%6,806
Equity capital to assets5.4086%7,750
Core capital (leverage) ratio5.5258%7,706
Tier 1 risk-based capital ratio7.2306%7,724
Total risk-based capital ratio8.5103%7,729
Memoranda:
Average total assets$248,167,0002,626
Average earning assets$220,326,4002,705
Average equity$19,028,0003,343
Average total loans$211,730,2002,176
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2174%5,810
Cost of funding earning assets2.6944%800
Net interest margin2.5229%7,435
Noninterest income to average assets1.0539%1,433
Noninterest expense to average assets2.6140%5,665
Loan and lease loss provision to assets0.6745%2,714
Net operating income to assets0.0136%5,681
Return on assets (ROA)0.0136%5,732
Pretax return on assets-0.0005%5,709
Return on Equity (ROE)0.1646%5,726
Retained earnings to average equity (ytd only)-2.4686%5,814
Net charge-offs to loans0.0939%5,738
Credit loss provision to net charge-offs826.0000%464
Earnings coverage of net charge-offs (x)8.2532%2,279
Efficiency ratio79.5033%2,923
Assets per employee ($millions)7.4362%653
Cash dividends to net income (ytd only)*1,600.1200%15
Condition Ratios (%)
Loss allowance to loans1.7576%2,416
Loan loss allowance to noncurrent loans126.9377%2,238
Noncurrent assets plus other real estate owned to assets8.0524%530
Noncurrent loans to loans1.3846%4,597
Net loans and leases to total assets81.4679%901
Net loans and leases to deposits117.6166%245
Net loans and leases to core deposits142.5370%817
Total domestic deposits to total assets69.2656%7,478
Equity capital to assets8.0307%6,824
Core capital (leverage) ratio8.1569%6,089
Tier 1 risk-based capital ratio10.0306%6,947
Total risk-based capital ratio11.2843%6,896
Memoranda:
Average total assets$244,928,7502,676
Average earning assets$216,885,0002,759
Average equity$20,254,2503,198
Average total loans$212,939,2502,191
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2543%5,843
Cost of funding earning assets2.7254%976
Net interest margin2.5289%7,448
Noninterest income to average assets1.2563%972
Noninterest expense to average assets2.7859%5,020
Loan and lease loss provision to assets0.7751%2,142
Net operating income to assets0.0124%5,798
Return on assets (ROA)0.0124%5,878
Pretax return on assets-0.0305%5,906
Return on Equity (ROE)0.1482%5,872
Retained earnings to average equity (ytd only)-1.3341%5,576
Net charge-offs to loans0.0888%5,304
Credit loss provision to net charge-offs988.4211%497
Earnings coverage of net charge-offs (x)9.4947%2,124
Efficiency ratio78.9105%3,208
Assets per employee ($millions)6.4396%987
Cash dividends to net income (ytd only)*1,000.0000%38
Condition Ratios (%)
Loss allowance to loans1.6471%2,538
Loan loss allowance to noncurrent loans52.8256%4,852
Noncurrent assets plus other real estate owned to assets8.4624%423
Noncurrent loans to loans3.1180%2,294
Net loans and leases to total assets83.9411%646
Net loans and leases to deposits125.4146%156
Net loans and leases to core deposits184.6722%188
Total domestic deposits to total assets66.9309%7,684
Equity capital to assets8.2397%6,428
Core capital (leverage) ratio8.3452%5,722
Tier 1 risk-based capital ratio9.8328%7,100
Total risk-based capital ratio11.0878%7,033
Memoranda:
Average total assets$242,294,6702,731
Average earning assets$217,879,0002,767
Average equity$20,237,6703,205
Average total loans$214,032,0002,209
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3483%5,665
Cost of funding earning assets2.7450%1,125
Net interest margin2.6033%7,364
Noninterest income to average assets1.1979%1,010
Noninterest expense to average assets2.7293%4,878
Loan and lease loss provision to assets0.6288%2,011
Net operating income to assets0.1526%5,810
Return on assets (ROA)0.1526%5,979
Pretax return on assets0.2173%5,896
Return on Equity (ROE)1.8150%5,835
Retained earnings to average equity (ytd only)1.8150%4,839
Net charge-offs to loans0.0739%4,445
Credit loss provision to net charge-offs947.5000%660
Earnings coverage of net charge-offs (x)12.7500%1,777
Efficiency ratio76.3341%3,433
Assets per employee ($millions)5.0229%2,050
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.3695%3,683
Loan loss allowance to noncurrent loans76.2536%3,824
Noncurrent assets plus other real estate owned to assets6.1925%627
Noncurrent loans to loans1.7960%3,567
Net loans and leases to total assets87.6702%292
Net loans and leases to deposits137.1468%101
Net loans and leases to core deposits189.5951%182
Total domestic deposits to total assets63.9244%7,848
Equity capital to assets8.4584%6,141
Core capital (leverage) ratio8.4835%5,575
Tier 1 risk-based capital ratio9.9347%6,999
Total risk-based capital ratio11.1868%6,896
Memoranda:
Average total assets$241,089,0002,757
Average earning assets$220,181,5002,760
Average equity$20,275,0003,225
Average total loans$216,623,5002,205
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7895%1,712
Cost of funding earning assets3.5616%440
Net interest margin3.2279%6,276
Noninterest income to average assets0.3859%5,591
Noninterest expense to average assets2.9950%4,098
Loan and lease loss provision to assets0.3528%3,573
Net operating income to assets0.0762%6,163
Return on assets (ROA)0.0767%6,012
Pretax return on assets0.0745%6,001
Return on Equity (ROE)0.9442%5,933
Retained earnings to average equity (ytd only)0.9442%4,662
Net charge-offs to loans0.2463%3,807
Credit loss provision to net charge-offs155.9925%3,339
Earnings coverage of net charge-offs (x)1.8876%5,123
Efficiency ratio87.5232%1,722
Assets per employee ($millions)4.7270%2,286
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.1857%4,656
Loan loss allowance to noncurrent loans60.6542%4,966
Noncurrent assets plus other real estate owned to assets4.6022%805
Noncurrent loans to loans1.9549%2,821
Net loans and leases to total assets89.7399%216
Net loans and leases to deposits139.2856%111
Net loans and leases to core deposits182.7183%261
Total domestic deposits to total assets64.4287%7,762
Equity capital to assets8.3612%6,324
Core capital (leverage) ratio8.4550%5,646
Tier 1 risk-based capital ratio9.9518%6,792
Total risk-based capital ratio11.2015%6,679
Memoranda:
Average total assets$236,096,6002,690
Average earning assets$222,063,0002,633
Average equity$19,170,6003,369
Average total loans$216,850,0002,160