Home > United Commercial Bank > Performance and Condition Ratios
United Commercial Bank, Performance and Condition Ratios
| 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 | 4.9843% | 6,648 |
| Cost of funding earning assets | 2.3691% | 1,747 |
| Net interest margin | 2.6152% | 7,336 |
| Noninterest income to average assets | 0.0199% | 7,772 |
| Noninterest expense to average assets | 6.8203% | 210 |
| Loan and lease loss provision to assets | 6.4654% | 88 |
| Net operating income to assets | -10.9075% | 8,053 |
| Return on assets (ROA) | -11.4590% | 8,055 |
| Pretax return on assets | -11.4590% | 8,055 |
| Return on Equity (ROE) | -127.0923% | 8,046 |
| Retained earnings to average equity (ytd only) | -128.8483% | 8,046 |
| Net charge-offs to loans | 9.1296% | 60 |
| Credit loss provision to net charge-offs | 109.2193% | 4,656 |
| Earnings coverage of net charge-offs (x) | -0.7504% | 6,579 |
| Efficiency ratio | 93.6803% | 1,422 |
| Assets per employee ($millions) | 7.2059% | 721 |
| Cash dividends to net income (ytd only)* | -1.3816% | 7,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0707% | 131 |
| Loan loss allowance to noncurrent loans | 36.0744% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 10.2191% | 326 |
| Noncurrent loans to loans | 14.0561% | 177 |
| Net loans and leases to total assets | 67.1236% | 4,159 |
| Net loans and leases to deposits | 95.5534% | 1,641 |
| Net loans and leases to core deposits | 140.8801% | 881 |
| Total domestic deposits to total assets | 63.6757% | 7,780 |
| Equity capital to assets | 2.8316% | 8,037 |
| Core capital (leverage) ratio | 2.1971% | 8,045 |
| Tier 1 risk-based capital ratio | 3.1618% | 8,044 |
| Total risk-based capital ratio | 5.9130% | 8,016 |
| Memoranda: | ||
| Average total assets | $12,632,194,250 | 89 |
| Average earning assets | $11,390,805,250 | 87 |
| Average equity | $1,138,951,250 | 103 |
| Average total loans | $8,190,680,750 | 94 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9129% | 7,002 |
| Cost of funding earning assets | 2.4487% | 1,781 |
| Net interest margin | 2.4642% | 7,513 |
| Noninterest income to average assets | 0.0399% | 7,787 |
| Noninterest expense to average assets | 2.0332% | 7,404 |
| Loan and lease loss provision to assets | 10.2475% | 29 |
| Net operating income to assets | -5.6943% | 7,986 |
| Return on assets (ROA) | -5.6172% | 7,973 |
| Pretax return on assets | -9.9164% | 8,101 |
| Return on Equity (ROE) | -52.4163% | 7,930 |
| Retained earnings to average equity (ytd only) | -54.5353% | 7,946 |
| Net charge-offs to loans | 13.3522% | 30 |
| Credit loss provision to net charge-offs | 121.3864% | 3,822 |
| Earnings coverage of net charge-offs (x) | 0.0250% | 5,652 |
| Efficiency ratio | 89.1927% | 1,887 |
| Assets per employee ($millions) | 8.5152% | 409 |
| Cash dividends to net income (ytd only)* | -4.0426% | 7,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3718% | 190 |
| Loan loss allowance to noncurrent loans | 41.6542% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 6.8522% | 640 |
| Noncurrent loans to loans | 10.4955% | 318 |
| Net loans and leases to total assets | 59.8074% | 5,711 |
| Net loans and leases to deposits | 84.8853% | 3,739 |
| Net loans and leases to core deposits | 130.6548% | 1,511 |
| Total domestic deposits to total assets | 61.6369% | 7,902 |
| Equity capital to assets | 9.3013% | 4,866 |
| Core capital (leverage) ratio | 4.0211% | 8,096 |
| Tier 1 risk-based capital ratio | 5.3196% | 8,090 |
| Total risk-based capital ratio | 7.9204% | 8,035 |
| Memoranda: | ||
| Average total assets | $13,211,147,000 | 92 |
| Average earning assets | $11,816,313,000 | 86 |
| Average equity | $1,415,765,330 | 91 |
| Average total loans | $8,352,914,000 | 97 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9688% | 7,014 |
| Cost of funding earning assets | 2.5350% | 1,784 |
| Net interest margin | 2.4338% | 7,580 |
| Noninterest income to average assets | -0.0180% | 8,098 |
| Noninterest expense to average assets | 2.0501% | 7,234 |
| Loan and lease loss provision to assets | 6.7063% | 101 |
| Net operating income to assets | -3.3052% | 7,887 |
| Return on assets (ROA) | -3.2220% | 7,879 |
| Pretax return on assets | -6.4519% | 8,069 |
| Return on Equity (ROE) | -28.2863% | 7,892 |
| Retained earnings to average equity (ytd only) | -32.2109% | 7,878 |
| Net charge-offs to loans | 6.1743% | 149 |
| Credit loss provision to net charge-offs | 170.9080% | 2,508 |
| Earnings coverage of net charge-offs (x) | 0.0317% | 4,952 |
| Efficiency ratio | 92.7360% | 1,521 |
| Assets per employee ($millions) | 8.8586% | 374 |
| Cash dividends to net income (ytd only)* | -13.8744% | 8,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8598% | 247 |
| Loan loss allowance to noncurrent loans | 46.4212% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 5.4332% | 792 |
| Noncurrent loans to loans | 8.3147% | 422 |
| Net loans and leases to total assets | 60.3349% | 5,599 |
| Net loans and leases to deposits | 89.1065% | 3,088 |
| Net loans and leases to core deposits | 135.2679% | 1,347 |
| Total domestic deposits to total assets | 61.3660% | 7,935 |
| Equity capital to assets | 10.9501% | 3,009 |
| Core capital (leverage) ratio | 8.0263% | 6,410 |
| Tier 1 risk-based capital ratio | 10.7919% | 6,104 |
| Total risk-based capital ratio | 13.3606% | 4,764 |
| Memoranda: | ||
| Average total assets | $13,421,824,000 | 92 |
| Average earning assets | $12,091,202,500 | 87 |
| Average equity | $1,528,836,500 | 83 |
| Average total loans | $8,529,896,500 | 96 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9737% | 5,673 |
| Cost of funding earning assets | 2.9365% | 2,117 |
| Net interest margin | 3.0372% | 6,818 |
| Noninterest income to average assets | 0.3052% | 6,268 |
| Noninterest expense to average assets | 1.6417% | 7,924 |
| Loan and lease loss provision to assets | 2.0601% | 572 |
| Net operating income to assets | -0.2630% | 6,698 |
| Return on assets (ROA) | -0.4248% | 6,724 |
| Pretax return on assets | -0.8730% | 6,925 |
| Return on Equity (ROE) | -3.9546% | 6,738 |
| Retained earnings to average equity (ytd only) | -6.5423% | 6,728 |
| Net charge-offs to loans | 1.3308% | 889 |
| Credit loss provision to net charge-offs | 232.3410% | 2,052 |
| Earnings coverage of net charge-offs (x) | 1.6240% | 5,274 |
| Efficiency ratio | 51.8261% | 7,507 |
| Assets per employee ($millions) | 8.8542% | 362 |
| Cash dividends to net income (ytd only)* | -65.4342% | 8,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6577% | 579 |
| Loan loss allowance to noncurrent loans | 43.5185% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 4.1348% | 974 |
| Noncurrent loans to loans | 6.1070% | 573 |
| Net loans and leases to total assets | 62.6313% | 5,519 |
| Net loans and leases to deposits | 93.1872% | 2,931 |
| Net loans and leases to core deposits | 145.2882% | 1,040 |
| Total domestic deposits to total assets | 60.2393% | 7,959 |
| Equity capital to assets | 11.8277% | 2,404 |
| Core capital (leverage) ratio | 9.0623% | 4,649 |
| Tier 1 risk-based capital ratio | 11.7185% | 5,044 |
| Total risk-based capital ratio | 14.2382% | 4,032 |
| Memoranda: | ||
| Average total assets | $12,770,402,800 | 95 |
| Average earning assets | $11,673,774,000 | 92 |
| Average equity | $1,371,892,200 | 87 |
| Average total loans | $8,508,516,200 | 95 |