Home > United Bank & Trust -Washtenaw > Performance and Condition Ratios
United Bank & Trust -Washtenaw, Performance and Condition Ratios
| 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 | 5.2080% | 3,974 |
| Cost of funding earning assets | 1.2679% | 5,017 |
| Net interest margin | 3.9401% | 3,150 |
| Noninterest income to average assets | 1.1225% | 995 |
| Noninterest expense to average assets | 2.9386% | 3,919 |
| Loan and lease loss provision to assets | 0.9704% | 1,292 |
| Net operating income to assets | 0.6588% | 3,622 |
| Return on assets (ROA) | 0.6588% | 3,734 |
| Pretax return on assets | 0.9622% | 3,228 |
| Return on Equity (ROE) | 7.5814% | 3,076 |
| Retained earnings to average equity (ytd only) | 7.5814% | 1,887 |
| Net charge-offs to loans | 0.5702% | 2,377 |
| Credit loss provision to net charge-offs | 207.4236% | 1,796 |
| Earnings coverage of net charge-offs (x) | 4.1310% | 2,699 |
| Efficiency ratio | 60.3271% | 6,110 |
| Assets per employee ($millions) | 8.4652% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5497% | 1,233 |
| Loan loss allowance to noncurrent loans | 84.9276% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 2.5403% | 2,862 |
| Noncurrent loans to loans | 3.0022% | 2,671 |
| Net loans and leases to total assets | 79.4733% | 915 |
| Net loans and leases to deposits | 91.0281% | 1,757 |
| Net loans and leases to core deposits | 111.7402% | 1,181 |
| Total domestic deposits to total assets | 87.3064% | 2,461 |
| Equity capital to assets | 8.8197% | 5,510 |
| Core capital (leverage) ratio | 8.5351% | 5,312 |
| Tier 1 risk-based capital ratio | 11.1076% | 6,050 |
| Total risk-based capital ratio | 12.3753% | 6,002 |
| Memoranda: | ||
| Average total assets | $391,610,000 | 1,757 |
| Average earning assets | $372,581,000 | 1,694 |
| Average equity | $34,030,500 | 1,985 |
| Average total loans | $321,301,500 | 1,470 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4457% | 4,459 |
| Cost of funding earning assets | 1.5680% | 5,192 |
| Net interest margin | 3.8777% | 3,360 |
| Noninterest income to average assets | 1.4398% | 702 |
| Noninterest expense to average assets | 3.7954% | 1,706 |
| Loan and lease loss provision to assets | 1.9572% | 1,122 |
| Net operating income to assets | -0.3925% | 6,070 |
| Return on assets (ROA) | -0.3925% | 6,060 |
| Pretax return on assets | -0.6310% | 6,125 |
| Return on Equity (ROE) | -4.4373% | 6,154 |
| Retained earnings to average equity (ytd only) | -4.4373% | 5,932 |
| Net charge-offs to loans | 1.9686% | 1,251 |
| Credit loss provision to net charge-offs | 113.7893% | 4,817 |
| Earnings coverage of net charge-offs (x) | 0.7710% | 5,335 |
| Efficiency ratio | 63.6249% | 5,845 |
| Assets per employee ($millions) | 8.7516% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3397% | 1,420 |
| Loan loss allowance to noncurrent loans | 77.1142% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 2.5860% | 2,711 |
| Noncurrent loans to loans | 3.0341% | 2,542 |
| Net loans and leases to total assets | 80.6033% | 896 |
| Net loans and leases to deposits | 93.4798% | 1,665 |
| Net loans and leases to core deposits | 120.6869% | 1,902 |
| Total domestic deposits to total assets | 86.2254% | 2,901 |
| Equity capital to assets | 8.5615% | 5,787 |
| Core capital (leverage) ratio | 8.6542% | 5,008 |
| Tier 1 risk-based capital ratio | 10.5582% | 6,335 |
| Total risk-based capital ratio | 11.8224% | 6,309 |
| Memoranda: | ||
| Average total assets | $371,453,200 | 1,835 |
| Average earning assets | $352,680,600 | 1,770 |
| Average equity | $32,857,600 | 2,037 |
| Average total loans | $324,547,200 | 1,485 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4527% | 4,676 |
| Cost of funding earning assets | 1.6379% | 5,214 |
| Net interest margin | 3.8148% | 3,595 |
| Noninterest income to average assets | 1.4912% | 663 |
| Noninterest expense to average assets | 4.1260% | 1,110 |
| Loan and lease loss provision to assets | 2.1027% | 839 |
| Net operating income to assets | -0.7146% | 6,615 |
| Return on assets (ROA) | -0.7146% | 6,633 |
| Pretax return on assets | -1.1184% | 6,772 |
| Return on Equity (ROE) | -8.0097% | 6,730 |
| Retained earnings to average equity (ytd only) | -8.0097% | 6,602 |
| Net charge-offs to loans | 1.1783% | 1,720 |
| Credit loss provision to net charge-offs | 201.2557% | 2,219 |
| Earnings coverage of net charge-offs (x) | 0.9421% | 5,114 |
| Efficiency ratio | 66.5193% | 5,284 |
| Assets per employee ($millions) | 8.0057% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9533% | 688 |
| Loan loss allowance to noncurrent loans | 87.6457% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 3.0072% | 2,308 |
| Noncurrent loans to loans | 3.3696% | 2,239 |
| Net loans and leases to total assets | 82.3230% | 761 |
| Net loans and leases to deposits | 95.8029% | 1,601 |
| Net loans and leases to core deposits | 121.9187% | 2,079 |
| Total domestic deposits to total assets | 85.9295% | 2,728 |
| Equity capital to assets | 8.6597% | 6,020 |
| Core capital (leverage) ratio | 8.7959% | 4,986 |
| Tier 1 risk-based capital ratio | 10.2496% | 6,737 |
| Total risk-based capital ratio | 11.5210% | 6,658 |
| Memoranda: | ||
| Average total assets | $365,861,500 | 1,873 |
| Average earning assets | $347,097,500 | 1,813 |
| Average equity | $32,642,750 | 2,072 |
| Average total loans | $324,424,750 | 1,504 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4883% | 4,701 |
| Cost of funding earning assets | 1.7156% | 5,199 |
| Net interest margin | 3.7728% | 3,661 |
| Noninterest income to average assets | 1.6062% | 583 |
| Noninterest expense to average assets | 4.6764% | 655 |
| Loan and lease loss provision to assets | 2.0960% | 761 |
| Net operating income to assets | -1.0241% | 7,005 |
| Return on assets (ROA) | -1.0241% | 7,000 |
| Pretax return on assets | -1.5862% | 7,126 |
| Return on Equity (ROE) | -11.3594% | 7,133 |
| Retained earnings to average equity (ytd only) | -11.3594% | 6,998 |
| Net charge-offs to loans | 1.2448% | 1,484 |
| Credit loss provision to net charge-offs | 187.0040% | 2,454 |
| Earnings coverage of net charge-offs (x) | 0.4549% | 5,247 |
| Efficiency ratio | 68.7929% | 5,010 |
| Assets per employee ($millions) | 7.4641% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6331% | 795 |
| Loan loss allowance to noncurrent loans | 72.1716% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 3.2339% | 1,939 |
| Noncurrent loans to loans | 3.6484% | 1,906 |
| Net loans and leases to total assets | 84.0019% | 640 |
| Net loans and leases to deposits | 99.6101% | 1,327 |
| Net loans and leases to core deposits | 129.5694% | 1,604 |
| Total domestic deposits to total assets | 84.3307% | 3,580 |
| Equity capital to assets | 8.9390% | 5,401 |
| Core capital (leverage) ratio | 9.0727% | 4,509 |
| Tier 1 risk-based capital ratio | 10.4307% | 6,442 |
| Total risk-based capital ratio | 11.7014% | 6,373 |
| Memoranda: | ||
| Average total assets | $359,724,330 | 1,931 |
| Average earning assets | $341,341,330 | 1,860 |
| Average equity | $32,431,330 | 2,093 |
| Average total loans | $323,909,000 | 1,537 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5637% | 4,556 |
| Cost of funding earning assets | 1.8206% | 5,021 |
| Net interest margin | 3.7431% | 3,685 |
| Noninterest income to average assets | 1.5208% | 608 |
| Noninterest expense to average assets | 5.7974% | 312 |
| Loan and lease loss provision to assets | 2.5724% | 445 |
| Net operating income to assets | -2.1599% | 7,703 |
| Return on assets (ROA) | -2.1599% | 7,701 |
| Pretax return on assets | -3.3078% | 7,810 |
| Return on Equity (ROE) | -23.8500% | 7,824 |
| Retained earnings to average equity (ytd only) | -23.8500% | 7,741 |
| Net charge-offs to loans | 0.6501% | 1,882 |
| Credit loss provision to net charge-offs | 429.9242% | 1,225 |
| Earnings coverage of net charge-offs (x) | -1.2292% | 5,404 |
| Efficiency ratio | 69.8903% | 4,606 |
| Assets per employee ($millions) | 7.2976% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6100% | 678 |
| Loan loss allowance to noncurrent loans | 74.8938% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 3.2513% | 1,697 |
| Noncurrent loans to loans | 3.4849% | 1,825 |
| Net loans and leases to total assets | 88.3451% | 239 |
| Net loans and leases to deposits | 106.2590% | 841 |
| Net loans and leases to core deposits | 137.2469% | 1,233 |
| Total domestic deposits to total assets | 83.1413% | 4,072 |
| Equity capital to assets | 9.2006% | 5,085 |
| Core capital (leverage) ratio | 9.3777% | 4,135 |
| Tier 1 risk-based capital ratio | 10.2855% | 6,604 |
| Total risk-based capital ratio | 11.5532% | 6,519 |
| Memoranda: | ||
| Average total assets | $352,983,000 | 1,967 |
| Average earning assets | $333,949,000 | 1,895 |
| Average equity | $31,966,500 | 2,121 |
| Average total loans | $324,874,000 | 1,543 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3370% | 3,748 |
| Cost of funding earning assets | 2.3887% | 4,769 |
| Net interest margin | 3.9483% | 3,371 |
| Noninterest income to average assets | 1.0972% | 1,308 |
| Noninterest expense to average assets | 3.3753% | 2,748 |
| Loan and lease loss provision to assets | 0.9139% | 1,632 |
| Net operating income to assets | 0.3714% | 5,264 |
| Return on assets (ROA) | 0.3723% | 5,072 |
| Pretax return on assets | 0.5243% | 4,915 |
| Return on Equity (ROE) | 4.0962% | 4,781 |
| Retained earnings to average equity (ytd only) | 4.0962% | 2,584 |
| Net charge-offs to loans | 0.6332% | 1,943 |
| Credit loss provision to net charge-offs | 155.8885% | 3,344 |
| Earnings coverage of net charge-offs (x) | 2.4511% | 4,854 |
| Efficiency ratio | 70.1403% | 4,326 |
| Assets per employee ($millions) | 6.4515% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0665% | 1,124 |
| Loan loss allowance to noncurrent loans | 65.5872% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 2.9657% | 1,556 |
| Noncurrent loans to loans | 3.1508% | 1,678 |
| Net loans and leases to total assets | 91.4657% | 103 |
| Net loans and leases to deposits | 108.3261% | 949 |
| Net loans and leases to core deposits | 141.9073% | 1,165 |
| Total domestic deposits to total assets | 84.4355% | 3,112 |
| Equity capital to assets | 8.9078% | 5,489 |
| Core capital (leverage) ratio | 8.5739% | 5,438 |
| Tier 1 risk-based capital ratio | 9.2059% | 7,608 |
| Total risk-based capital ratio | 10.4667% | 7,543 |
| Memoranda: | ||
| Average total assets | $324,448,400 | 2,063 |
| Average earning assets | $305,269,400 | 2,000 |
| Average equity | $29,490,400 | 2,294 |
| Average total loans | $300,393,000 | 1,608 |