Home > United Security Bank > Performance and Condition Ratios
United Security 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 | 5.6765% | 3,447 |
| Cost of funding earning assets | 3.7287% | 26 |
| Net interest margin | 1.9478% | 7,837 |
| Noninterest income to average assets | 0.2695% | 6,305 |
| Noninterest expense to average assets | 4.6741% | 625 |
| Loan and lease loss provision to assets | 3.2526% | 423 |
| Net operating income to assets | -6.0150% | 7,925 |
| Return on assets (ROA) | -6.0150% | 7,921 |
| Pretax return on assets | -6.0150% | 7,908 |
| Return on Equity (ROE) | -151.6013% | 8,056 |
| Retained earnings to average equity (ytd only) | -151.6013% | 8,056 |
| Net charge-offs to loans | 3.0187% | 549 |
| Credit loss provision to net charge-offs | 147.1456% | 3,290 |
| Earnings coverage of net charge-offs (x) | -1.2497% | 6,672 |
| Efficiency ratio | 244.4993% | 89 |
| Assets per employee ($millions) | 7.3161% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0914% | 1,614 |
| Loan loss allowance to noncurrent loans | 22.7585% | 6,931 |
| Noncurrent assets plus other real estate owned to assets | 13.4575% | 168 |
| Noncurrent loans to loans | 9.1894% | 474 |
| Net loans and leases to total assets | 69.6874% | 3,582 |
| Net loans and leases to deposits | 71.5612% | 5,722 |
| Net loans and leases to core deposits | 95.2392% | 4,902 |
| Total domestic deposits to total assets | 97.3815% | 15 |
| Equity capital to assets | 1.2952% | 8,070 |
| Core capital (leverage) ratio | 1.5592% | 8,057 |
| Tier 1 risk-based capital ratio | 2.1750% | 8,058 |
| Total risk-based capital ratio | 3.4348% | 8,057 |
| Memoranda: | ||
| Average total assets | $155,320,000 | 3,889 |
| Average earning assets | $130,946,000 | 4,085 |
| Average equity | $6,162,500 | 6,604 |
| Average total loans | $113,734,500 | 3,642 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4962% | 4,654 |
| Cost of funding earning assets | 3.8864% | 30 |
| Net interest margin | 1.6098% | 7,988 |
| Noninterest income to average assets | 0.0423% | 7,775 |
| Noninterest expense to average assets | 3.0754% | 3,792 |
| Loan and lease loss provision to assets | 2.6020% | 592 |
| Net operating income to assets | -4.2879% | 7,868 |
| Return on assets (ROA) | -4.2879% | 7,861 |
| Pretax return on assets | -4.2879% | 7,778 |
| Return on Equity (ROE) | -88.4908% | 8,060 |
| Retained earnings to average equity (ytd only) | -88.4908% | 8,057 |
| Net charge-offs to loans | 1.2258% | 1,497 |
| Credit loss provision to net charge-offs | 287.2521% | 1,630 |
| Earnings coverage of net charge-offs (x) | -1.8612% | 6,341 |
| Efficiency ratio | 221.3296% | 156 |
| Assets per employee ($millions) | 7.3750% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1409% | 1,330 |
| Loan loss allowance to noncurrent loans | 38.8799% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 12.4514% | 162 |
| Noncurrent loans to loans | 5.5063% | 1,055 |
| Net loans and leases to total assets | 70.6871% | 3,534 |
| Net loans and leases to deposits | 74.2341% | 5,420 |
| Net loans and leases to core deposits | 93.6204% | 5,161 |
| Total domestic deposits to total assets | 95.2219% | 31 |
| Equity capital to assets | 3.4660% | 8,110 |
| Core capital (leverage) ratio | 3.9461% | 8,100 |
| Tier 1 risk-based capital ratio | 5.3261% | 8,087 |
| Total risk-based capital ratio | 6.5867% | 8,093 |
| Memoranda: | ||
| Average total assets | $155,880,330 | 3,904 |
| Average earning assets | $130,453,330 | 4,125 |
| Average equity | $7,553,330 | 6,161 |
| Average total loans | $115,194,670 | 3,643 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5831% | 4,455 |
| Cost of funding earning assets | 3.9660% | 31 |
| Net interest margin | 1.6171% | 8,029 |
| Noninterest income to average assets | 0.3530% | 5,616 |
| Noninterest expense to average assets | 3.2126% | 2,931 |
| Loan and lease loss provision to assets | 0.5116% | 2,426 |
| Net operating income to assets | -2.0258% | 7,670 |
| Return on assets (ROA) | -2.0258% | 7,664 |
| Pretax return on assets | -2.0258% | 7,543 |
| Return on Equity (ROE) | -36.6412% | 7,958 |
| Retained earnings to average equity (ytd only) | -36.6412% | 7,930 |
| Net charge-offs to loans | 0.1575% | 3,705 |
| Credit loss provision to net charge-offs | 434.7826% | 1,211 |
| Earnings coverage of net charge-offs (x) | -12.8696% | 5,634 |
| Efficiency ratio | 189.1566% | 218 |
| Assets per employee ($millions) | 7.2295% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 5,615 |
| Loan loss allowance to noncurrent loans | 15.3875% | 7,384 |
| Noncurrent assets plus other real estate owned to assets | 13.4311% | 109 |
| Noncurrent loans to loans | 7.0099% | 575 |
| Net loans and leases to total assets | 70.7493% | 3,528 |
| Net loans and leases to deposits | 75.5614% | 5,283 |
| Net loans and leases to core deposits | 92.8831% | 5,270 |
| Total domestic deposits to total assets | 93.6315% | 56 |
| Equity capital to assets | 5.1292% | 8,110 |
| Core capital (leverage) ratio | 5.7329% | 8,050 |
| Tier 1 risk-based capital ratio | 7.1662% | 8,082 |
| Total risk-based capital ratio | 8.1856% | 8,109 |
| Memoranda: | ||
| Average total assets | $156,383,500 | 3,893 |
| Average earning assets | $130,106,500 | 4,153 |
| Average equity | $8,646,000 | 5,831 |
| Average total loans | $116,856,500 | 3,627 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6748% | 2,129 |
| Cost of funding earning assets | 4.1968% | 46 |
| Net interest margin | 2.4780% | 7,777 |
| Noninterest income to average assets | 0.3174% | 6,184 |
| Noninterest expense to average assets | 2.6894% | 5,315 |
| Loan and lease loss provision to assets | 0.3962% | 3,316 |
| Net operating income to assets | -0.4832% | 6,911 |
| Return on assets (ROA) | -0.4962% | 6,800 |
| Pretax return on assets | -0.4962% | 6,651 |
| Return on Equity (ROE) | -7.5750% | 7,103 |
| Retained earnings to average equity (ytd only) | -19.5704% | 7,673 |
| Net charge-offs to loans | 1.3229% | 895 |
| Credit loss provision to net charge-offs | 35.8549% | 6,483 |
| Earnings coverage of net charge-offs (x) | -0.0787% | 6,307 |
| Efficiency ratio | 103.3429% | 884 |
| Assets per employee ($millions) | 6.9872% | 712 |
| Cash dividends to net income (ytd only)* | -158.3562% | 8,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 6,707 |
| Loan loss allowance to noncurrent loans | 11.9395% | 7,476 |
| Noncurrent assets plus other real estate owned to assets | 11.7592% | 109 |
| Noncurrent loans to loans | 7.4917% | 381 |
| Net loans and leases to total assets | 77.3410% | 2,303 |
| Net loans and leases to deposits | 86.4117% | 4,053 |
| Net loans and leases to core deposits | 112.7982% | 3,470 |
| Total domestic deposits to total assets | 89.5029% | 848 |
| Equity capital to assets | 5.9420% | 8,071 |
| Core capital (leverage) ratio | 6.1432% | 8,036 |
| Tier 1 risk-based capital ratio | 7.5518% | 8,129 |
| Total risk-based capital ratio | 8.4123% | 8,174 |
| Memoranda: | ||
| Average total assets | $147,130,800 | 3,952 |
| Average earning assets | $135,674,600 | 3,939 |
| Average equity | $9,637,000 | 5,526 |
| Average total loans | $122,914,600 | 3,400 |