Home > United Americas Bank > Performance and Condition Ratios
United Americas Bank, 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 | 4.1552% | 7,147 |
Cost of funding earning assets | 2.0797% | 579 |
Net interest margin | 2.0755% | 7,556 |
Noninterest income to average assets | 0.4402% | 4,636 |
Noninterest expense to average assets | 3.0843% | 3,402 |
Loan and lease loss provision to assets | 6.8333% | 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 loans | 3.7401% | 348 |
Credit loss provision to net charge-offs | 235.3986% | 1,436 |
Earnings coverage of net charge-offs (x) | -0.2781% | 6,230 |
Efficiency ratio | 135.4503% | 269 |
Assets per employee ($millions) | 11.0154% | 208 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 7.8455% | 42 |
Loan loss allowance to noncurrent loans | 34.0270% | 6,062 |
Noncurrent assets plus other real estate owned to assets | 25.6071% | 20 |
Noncurrent loans to loans | 23.0567% | 46 |
Net loans and leases to total assets | 70.6209% | 2,581 |
Net loans and leases to deposits | 88.3072% | 1,972 |
Net loans and leases to core deposits | 129.3805% | 390 |
Total domestic deposits to total assets | 79.9719% | 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 | $253,538,000 | 2,552 |
Average earning assets | $224,387,500 | 2,613 |
Average equity | $7,407,500 | 5,982 |
Average total loans | $196,781,250 | 2,223 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2034% | 7,166 |
Cost of funding earning assets | 2.1415% | 571 |
Net interest margin | 2.0619% | 7,629 |
Noninterest income to average assets | 0.4680% | 4,373 |
Noninterest expense to average assets | 3.1508% | 3,090 |
Loan and lease loss provision to assets | 8.3912% | 20 |
Net operating income to assets | -10.4481% | 7,810 |
Return on assets (ROA) | -10.4380% | 7,810 |
Pretax return on assets | -9.2315% | 7,803 |
Return on Equity (ROE) | -256.0531% | 7,813 |
Retained earnings to average equity (ytd only) | -256.0531% | 7,813 |
Net charge-offs to loans | 5.2995% | 182 |
Credit loss provision to net charge-offs | 203.2003% | 1,923 |
Earnings coverage of net charge-offs (x) | -0.2059% | 5,878 |
Efficiency ratio | 136.9719% | 269 |
Assets per employee ($millions) | 7.9902% | 499 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 6.6292% | 71 |
Loan loss allowance to noncurrent loans | 30.8903% | 6,304 |
Noncurrent assets plus other real estate owned to assets | 23.2705% | 32 |
Noncurrent loans to loans | 21.4605% | 63 |
Net loans and leases to total assets | 71.5167% | 2,532 |
Net loans and leases to deposits | 90.1473% | 1,828 |
Net loans and leases to core deposits | 138.9681% | 297 |
Total domestic deposits to total assets | 79.3331% | 5,936 |
Equity capital to assets | 0.3230% | 7,823 |
Core capital (leverage) ratio | 0.2624% | 7,823 |
Tier 1 risk-based capital ratio | 0.3832% | 7,821 |
Total risk-based capital ratio | 0.7664% | 7,821 |
Memoranda: | ||
Average total assets | $257,271,000 | 2,534 |
Average earning assets | $228,626,330 | 2,595 |
Average equity | $10,487,670 | 5,063 |
Average total loans | $200,471,000 | 2,212 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1523% | 7,320 |
Cost of funding earning assets | 2.2018% | 587 |
Net interest margin | 1.9505% | 7,735 |
Noninterest income to average assets | 0.4335% | 4,626 |
Noninterest expense to average assets | 2.8833% | 4,126 |
Loan and lease loss provision to assets | 0.3053% | 3,595 |
Net operating income to assets | -0.5775% | 6,879 |
Return on assets (ROA) | -0.5297% | 6,878 |
Pretax return on assets | -0.9387% | 7,019 |
Return on Equity (ROE) | -9.0533% | 7,099 |
Retained earnings to average equity (ytd only) | -9.0533% | 6,902 |
Net charge-offs to loans | 0.4683% | 2,643 |
Credit loss provision to net charge-offs | 82.9876% | 3,813 |
Earnings coverage of net charge-offs (x) | -1.9253% | 5,464 |
Efficiency ratio | 132.5614% | 315 |
Assets per employee ($millions) | 8.2187% | 476 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4912% | 555 |
Loan loss allowance to noncurrent loans | 32.4705% | 6,245 |
Noncurrent assets plus other real estate owned to assets | 14.1009% | 162 |
Noncurrent loans to loans | 10.7521% | 375 |
Net loans and leases to total assets | 75.1522% | 1,703 |
Net loans and leases to deposits | 101.0083% | 694 |
Net loans and leases to core deposits | 147.3984% | 259 |
Total domestic deposits to total assets | 74.4020% | 6,993 |
Equity capital to assets | 6.2890% | 7,573 |
Core capital (leverage) ratio | 5.6102% | 7,637 |
Tier 1 risk-based capital ratio | 7.4057% | 7,667 |
Total risk-based capital ratio | 8.6686% | 7,672 |
Memoranda: | ||
Average total assets | $262,058,500 | 2,547 |
Average earning assets | $233,992,500 | 2,603 |
Average equity | $15,331,500 | 3,955 |
Average total loans | $205,846,000 | 2,220 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0575% | 6,233 |
Cost of funding earning assets | 2.6152% | 747 |
Net interest margin | 2.4423% | 7,479 |
Noninterest income to average assets | 0.8418% | 2,219 |
Noninterest expense to average assets | 2.6780% | 5,492 |
Loan and lease loss provision to assets | 3.6036% | 423 |
Net operating income to assets | -2.4032% | 7,231 |
Return on assets (ROA) | -2.4032% | 7,238 |
Pretax return on assets | -3.2716% | 7,359 |
Return on Equity (ROE) | -31.3433% | 7,428 |
Retained earnings to average equity (ytd only) | -33.4454% | 7,453 |
Net charge-offs to loans | 2.0989% | 1,165 |
Credit loss provision to net charge-offs | 201.2376% | 1,938 |
Earnings coverage of net charge-offs (x) | 0.1854% | 5,964 |
Efficiency ratio | 88.9692% | 1,801 |
Assets per employee ($millions) | 8.1600% | 482 |
Cash dividends to net income (ytd only)* | -6.7069% | 7,552 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4298% | 559 |
Loan loss allowance to noncurrent loans | 88.5450% | 3,151 |
Noncurrent assets plus other real estate owned to assets | 7.9109% | 576 |
Noncurrent loans to loans | 3.8735% | 1,919 |
Net loans and leases to total assets | 76.5158% | 1,692 |
Net loans and leases to deposits | 101.6049% | 782 |
Net loans and leases to core deposits | 123.9380% | 1,642 |
Total domestic deposits to total assets | 75.3071% | 6,806 |
Equity capital to assets | 5.4086% | 7,750 |
Core capital (leverage) ratio | 5.5258% | 7,706 |
Tier 1 risk-based capital ratio | 7.2306% | 7,724 |
Total risk-based capital ratio | 8.5103% | 7,729 |
Memoranda: | ||
Average total assets | $248,167,000 | 2,626 |
Average earning assets | $220,326,400 | 2,705 |
Average equity | $19,028,000 | 3,343 |
Average total loans | $211,730,200 | 2,176 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2174% | 5,810 |
Cost of funding earning assets | 2.6944% | 800 |
Net interest margin | 2.5229% | 7,435 |
Noninterest income to average assets | 1.0539% | 1,433 |
Noninterest expense to average assets | 2.6140% | 5,665 |
Loan and lease loss provision to assets | 0.6745% | 2,714 |
Net operating income to assets | 0.0136% | 5,681 |
Return on assets (ROA) | 0.0136% | 5,732 |
Pretax return on assets | -0.0005% | 5,709 |
Return on Equity (ROE) | 0.1646% | 5,726 |
Retained earnings to average equity (ytd only) | -2.4686% | 5,814 |
Net charge-offs to loans | 0.0939% | 5,738 |
Credit loss provision to net charge-offs | 826.0000% | 464 |
Earnings coverage of net charge-offs (x) | 8.2532% | 2,279 |
Efficiency ratio | 79.5033% | 2,923 |
Assets per employee ($millions) | 7.4362% | 653 |
Cash dividends to net income (ytd only)* | 1,600.1200% | 15 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7576% | 2,416 |
Loan loss allowance to noncurrent loans | 126.9377% | 2,238 |
Noncurrent assets plus other real estate owned to assets | 8.0524% | 530 |
Noncurrent loans to loans | 1.3846% | 4,597 |
Net loans and leases to total assets | 81.4679% | 901 |
Net loans and leases to deposits | 117.6166% | 245 |
Net loans and leases to core deposits | 142.5370% | 817 |
Total domestic deposits to total assets | 69.2656% | 7,478 |
Equity capital to assets | 8.0307% | 6,824 |
Core capital (leverage) ratio | 8.1569% | 6,089 |
Tier 1 risk-based capital ratio | 10.0306% | 6,947 |
Total risk-based capital ratio | 11.2843% | 6,896 |
Memoranda: | ||
Average total assets | $244,928,750 | 2,676 |
Average earning assets | $216,885,000 | 2,759 |
Average equity | $20,254,250 | 3,198 |
Average total loans | $212,939,250 | 2,191 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2543% | 5,843 |
Cost of funding earning assets | 2.7254% | 976 |
Net interest margin | 2.5289% | 7,448 |
Noninterest income to average assets | 1.2563% | 972 |
Noninterest expense to average assets | 2.7859% | 5,020 |
Loan and lease loss provision to assets | 0.7751% | 2,142 |
Net operating income to assets | 0.0124% | 5,798 |
Return on assets (ROA) | 0.0124% | 5,878 |
Pretax return on assets | -0.0305% | 5,906 |
Return on Equity (ROE) | 0.1482% | 5,872 |
Retained earnings to average equity (ytd only) | -1.3341% | 5,576 |
Net charge-offs to loans | 0.0888% | 5,304 |
Credit loss provision to net charge-offs | 988.4211% | 497 |
Earnings coverage of net charge-offs (x) | 9.4947% | 2,124 |
Efficiency ratio | 78.9105% | 3,208 |
Assets per employee ($millions) | 6.4396% | 987 |
Cash dividends to net income (ytd only)* | 1,000.0000% | 38 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6471% | 2,538 |
Loan loss allowance to noncurrent loans | 52.8256% | 4,852 |
Noncurrent assets plus other real estate owned to assets | 8.4624% | 423 |
Noncurrent loans to loans | 3.1180% | 2,294 |
Net loans and leases to total assets | 83.9411% | 646 |
Net loans and leases to deposits | 125.4146% | 156 |
Net loans and leases to core deposits | 184.6722% | 188 |
Total domestic deposits to total assets | 66.9309% | 7,684 |
Equity capital to assets | 8.2397% | 6,428 |
Core capital (leverage) ratio | 8.3452% | 5,722 |
Tier 1 risk-based capital ratio | 9.8328% | 7,100 |
Total risk-based capital ratio | 11.0878% | 7,033 |
Memoranda: | ||
Average total assets | $242,294,670 | 2,731 |
Average earning assets | $217,879,000 | 2,767 |
Average equity | $20,237,670 | 3,205 |
Average total loans | $214,032,000 | 2,209 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3483% | 5,665 |
Cost of funding earning assets | 2.7450% | 1,125 |
Net interest margin | 2.6033% | 7,364 |
Noninterest income to average assets | 1.1979% | 1,010 |
Noninterest expense to average assets | 2.7293% | 4,878 |
Loan and lease loss provision to assets | 0.6288% | 2,011 |
Net operating income to assets | 0.1526% | 5,810 |
Return on assets (ROA) | 0.1526% | 5,979 |
Pretax return on assets | 0.2173% | 5,896 |
Return on Equity (ROE) | 1.8150% | 5,835 |
Retained earnings to average equity (ytd only) | 1.8150% | 4,839 |
Net charge-offs to loans | 0.0739% | 4,445 |
Credit loss provision to net charge-offs | 947.5000% | 660 |
Earnings coverage of net charge-offs (x) | 12.7500% | 1,777 |
Efficiency ratio | 76.3341% | 3,433 |
Assets per employee ($millions) | 5.0229% | 2,050 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3695% | 3,683 |
Loan loss allowance to noncurrent loans | 76.2536% | 3,824 |
Noncurrent assets plus other real estate owned to assets | 6.1925% | 627 |
Noncurrent loans to loans | 1.7960% | 3,567 |
Net loans and leases to total assets | 87.6702% | 292 |
Net loans and leases to deposits | 137.1468% | 101 |
Net loans and leases to core deposits | 189.5951% | 182 |
Total domestic deposits to total assets | 63.9244% | 7,848 |
Equity capital to assets | 8.4584% | 6,141 |
Core capital (leverage) ratio | 8.4835% | 5,575 |
Tier 1 risk-based capital ratio | 9.9347% | 6,999 |
Total risk-based capital ratio | 11.1868% | 6,896 |
Memoranda: | ||
Average total assets | $241,089,000 | 2,757 |
Average earning assets | $220,181,500 | 2,760 |
Average equity | $20,275,000 | 3,225 |
Average total loans | $216,623,500 | 2,205 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7895% | 1,712 |
Cost of funding earning assets | 3.5616% | 440 |
Net interest margin | 3.2279% | 6,276 |
Noninterest income to average assets | 0.3859% | 5,591 |
Noninterest expense to average assets | 2.9950% | 4,098 |
Loan and lease loss provision to assets | 0.3528% | 3,573 |
Net operating income to assets | 0.0762% | 6,163 |
Return on assets (ROA) | 0.0767% | 6,012 |
Pretax return on assets | 0.0745% | 6,001 |
Return on Equity (ROE) | 0.9442% | 5,933 |
Retained earnings to average equity (ytd only) | 0.9442% | 4,662 |
Net charge-offs to loans | 0.2463% | 3,807 |
Credit loss provision to net charge-offs | 155.9925% | 3,339 |
Earnings coverage of net charge-offs (x) | 1.8876% | 5,123 |
Efficiency ratio | 87.5232% | 1,722 |
Assets per employee ($millions) | 4.7270% | 2,286 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1857% | 4,656 |
Loan loss allowance to noncurrent loans | 60.6542% | 4,966 |
Noncurrent assets plus other real estate owned to assets | 4.6022% | 805 |
Noncurrent loans to loans | 1.9549% | 2,821 |
Net loans and leases to total assets | 89.7399% | 216 |
Net loans and leases to deposits | 139.2856% | 111 |
Net loans and leases to core deposits | 182.7183% | 261 |
Total domestic deposits to total assets | 64.4287% | 7,762 |
Equity capital to assets | 8.3612% | 6,324 |
Core capital (leverage) ratio | 8.4550% | 5,646 |
Tier 1 risk-based capital ratio | 9.9518% | 6,792 |
Total risk-based capital ratio | 11.2015% | 6,679 |
Memoranda: | ||
Average total assets | $236,096,600 | 2,690 |
Average earning assets | $222,063,000 | 2,633 |
Average equity | $19,170,600 | 3,369 |
Average total loans | $216,850,000 | 2,160 |