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United Bank and Trust Company, Performance and Condition Ratios
| 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 | 7.6561% | 139 |
| Cost of funding earning assets | 1.7970% | 5,127 |
| Net interest margin | 5.8591% | 118 |
| Noninterest income to average assets | 0.7326% | 2,693 |
| Noninterest expense to average assets | 9.1894% | 129 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -3.4719% | 7,920 |
| Return on assets (ROA) | -3.4719% | 7,914 |
| Pretax return on assets | -3.4719% | 7,835 |
| Return on Equity (ROE) | -63.6961% | 8,096 |
| Retained earnings to average equity (ytd only) | -63.6961% | 8,080 |
| Net charge-offs to loans | 0.3051% | 2,888 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -16.7692% | 5,652 |
| Efficiency ratio | 160.7242% | 302 |
| Assets per employee ($millions) | 1.2355% | 8,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 4,832 |
| Loan loss allowance to noncurrent loans | 29.8969% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 5.1843% | 850 |
| Noncurrent loans to loans | 4.0014% | 1,504 |
| Net loans and leases to total assets | 67.8538% | 4,172 |
| Net loans and leases to deposits | 82.0817% | 4,270 |
| Net loans and leases to core deposits | 93.7591% | 5,183 |
| Total domestic deposits to total assets | 82.6662% | 4,304 |
| Equity capital to assets | 5.2005% | 8,104 |
| Core capital (leverage) ratio | 5.0650% | 8,120 |
| Tier 1 risk-based capital ratio | 8.1979% | 7,988 |
| Total risk-based capital ratio | 9.4473% | 8,021 |
| Memoranda: | ||
| Average total assets | $25,116,000 | 7,822 |
| Average earning assets | $21,368,500 | 7,864 |
| Average equity | $1,369,000 | 8,171 |
| Average total loans | $17,043,000 | 7,532 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8822% | 222 |
| Cost of funding earning assets | 1.7322% | 7,180 |
| Net interest margin | 6.1500% | 95 |
| Noninterest income to average assets | 3.2621% | 180 |
| Noninterest expense to average assets | 9.0610% | 173 |
| Loan and lease loss provision to assets | 0.2026% | 4,865 |
| Net operating income to assets | -0.8469% | 7,163 |
| Return on assets (ROA) | -0.8469% | 7,077 |
| Pretax return on assets | -0.8510% | 6,913 |
| Return on Equity (ROE) | -13.5538% | 7,523 |
| Retained earnings to average equity (ytd only) | -13.5538% | 7,376 |
| Net charge-offs to loans | 0.5653% | 2,120 |
| Credit loss provision to net charge-offs | 53.7634% | 6,309 |
| Earnings coverage of net charge-offs (x) | -1.7204% | 6,691 |
| Efficiency ratio | 107.7071% | 765 |
| Assets per employee ($millions) | 1.2762% | 8,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 4,038 |
| Loan loss allowance to noncurrent loans | 64.4776% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 4.5959% | 808 |
| Noncurrent loans to loans | 1.9571% | 2,816 |
| Net loans and leases to total assets | 66.2187% | 4,803 |
| Net loans and leases to deposits | 81.0950% | 4,857 |
| Net loans and leases to core deposits | 92.3602% | 5,600 |
| Total domestic deposits to total assets | 81.6558% | 4,338 |
| Equity capital to assets | 5.6929% | 8,109 |
| Core capital (leverage) ratio | 5.8653% | 8,116 |
| Tier 1 risk-based capital ratio | 9.7370% | 7,035 |
| Total risk-based capital ratio | 10.9867% | 6,944 |
| Memoranda: | ||
| Average total assets | $24,677,200 | 7,849 |
| Average earning assets | $20,666,800 | 7,907 |
| Average equity | $1,542,000 | 8,209 |
| Average total loans | $16,452,600 | 7,554 |