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United Security Savings Bank, F.S.B., 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 | 6.2536% | 1,235 |
| Cost of funding earning assets | 2.9013% | 453 |
| Net interest margin | 3.3523% | 5,435 |
| Noninterest income to average assets | 0.5082% | 4,419 |
| Noninterest expense to average assets | 3.7732% | 1,651 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.1354% | 5,958 |
| Return on assets (ROA) | 0.1460% | 5,398 |
| Pretax return on assets | 0.2220% | 5,246 |
| Return on Equity (ROE) | 1.5385% | 5,318 |
| Retained earnings to average equity (ytd only) | 1.5385% | 4,451 |
| Net charge-offs to loans | 0.1628% | 5,087 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -1.5218% | 6,701 |
| Efficiency ratio | 104.1735% | 913 |
| Assets per employee ($millions) | 2.8492% | 6,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 2,663 |
| Loan loss allowance to noncurrent loans | 93.4947% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 1.3647% | 4,359 |
| Noncurrent loans to loans | 1.8089% | 3,902 |
| Net loans and leases to total assets | 74.1664% | 2,477 |
| Net loans and leases to deposits | 83.6746% | 3,698 |
| Net loans and leases to core deposits | 96.4713% | 4,758 |
| Total domestic deposits to total assets | 88.6368% | 1,369 |
| Equity capital to assets | 9.0034% | 5,472 |
| Core capital (leverage) ratio | 6.8279% | 7,530 |
| Tier 1 risk-based capital ratio | 9.8176% | 7,123 |
| Total risk-based capital ratio | 10.9271% | 7,212 |
| Memoranda: | ||
| Average total assets | $45,653,750 | 6,938 |
| Average earning assets | $41,681,750 | 6,928 |
| Average equity | $4,333,500 | 7,238 |
| Average total loans | $37,680,500 | 6,251 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4700% | 878 |
| Cost of funding earning assets | 2.9858% | 496 |
| Net interest margin | 3.4842% | 4,868 |
| Noninterest income to average assets | 0.2862% | 6,217 |
| Noninterest expense to average assets | 3.9351% | 1,423 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.3077% | 6,329 |
| Return on assets (ROA) | 0.1297% | 5,582 |
| Pretax return on assets | 0.1923% | 5,487 |
| Return on Equity (ROE) | 1.3412% | 5,522 |
| Retained earnings to average equity (ytd only) | 1.3412% | 4,594 |
| Net charge-offs to loans | 0.0578% | 5,688 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -9.3636% | 6,520 |
| Efficiency ratio | 111.5830% | 807 |
| Assets per employee ($millions) | 2.6610% | 6,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7276% | 2,251 |
| Loan loss allowance to noncurrent loans | 109.1973% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 1.3241% | 4,303 |
| Noncurrent loans to loans | 1.5821% | 4,123 |
| Net loans and leases to total assets | 82.1142% | 935 |
| Net loans and leases to deposits | 91.7298% | 2,517 |
| Net loans and leases to core deposits | 107.5978% | 3,653 |
| Total domestic deposits to total assets | 89.5174% | 1,034 |
| Equity capital to assets | 9.5939% | 4,495 |
| Core capital (leverage) ratio | 7.2588% | 7,290 |
| Tier 1 risk-based capital ratio | 9.6552% | 7,267 |
| Total risk-based capital ratio | 10.9040% | 7,216 |
| Memoranda: | ||
| Average total assets | $44,726,000 | 7,029 |
| Average earning assets | $40,927,330 | 7,020 |
| Average equity | $4,324,330 | 7,301 |
| Average total loans | $38,060,000 | 6,292 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0071% | 329 |
| Cost of funding earning assets | 2.9863% | 622 |
| Net interest margin | 4.0208% | 2,572 |
| Noninterest income to average assets | 0.2878% | 6,136 |
| Noninterest expense to average assets | 3.9127% | 1,291 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0547% | 6,109 |
| Return on assets (ROA) | 0.1709% | 5,918 |
| Pretax return on assets | 0.2519% | 5,818 |
| Return on Equity (ROE) | 1.7607% | 5,855 |
| Retained earnings to average equity (ytd only) | 1.7607% | 4,872 |
| Net charge-offs to loans | -0.0314% | 7,566 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3964% | 1,297 |
| Assets per employee ($millions) | 2.6749% | 6,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6784% | 2,213 |
| Loan loss allowance to noncurrent loans | 131.5582% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 1.1919% | 4,286 |
| Noncurrent loans to loans | 1.2758% | 4,430 |
| Net loans and leases to total assets | 85.9279% | 458 |
| Net loans and leases to deposits | 97.6948% | 1,706 |
| Net loans and leases to core deposits | 114.8222% | 2,923 |
| Total domestic deposits to total assets | 87.9555% | 1,767 |
| Equity capital to assets | 9.5155% | 4,642 |
| Core capital (leverage) ratio | 7.1846% | 7,495 |
| Tier 1 risk-based capital ratio | 9.5574% | 7,380 |
| Total risk-based capital ratio | 10.7367% | 7,387 |
| Memoranda: | ||
| Average total assets | $44,470,500 | 7,084 |
| Average earning assets | $40,987,000 | 7,061 |
| Average equity | $4,316,500 | 7,346 |
| Average total loans | $38,190,500 | 6,322 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8693% | 1,490 |
| Cost of funding earning assets | 3.6008% | 390 |
| Net interest margin | 3.2685% | 6,147 |
| Noninterest income to average assets | 0.2760% | 6,486 |
| Noninterest expense to average assets | 3.2937% | 2,983 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.0655% | 6,464 |
| Return on assets (ROA) | 0.0184% | 6,173 |
| Pretax return on assets | 0.0322% | 6,094 |
| Return on Equity (ROE) | 0.1874% | 6,167 |
| Retained earnings to average equity (ytd only) | 0.1874% | 5,119 |
| Net charge-offs to loans | 0.2585% | 3,689 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -0.4886% | 6,481 |
| Efficiency ratio | 101.3679% | 929 |
| Assets per employee ($millions) | 2.7168% | 6,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8095% | 1,608 |
| Loan loss allowance to noncurrent loans | 107.9805% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 1.4931% | 3,235 |
| Noncurrent loans to loans | 1.6758% | 3,258 |
| Net loans and leases to total assets | 82.7666% | 1,087 |
| Net loans and leases to deposits | 92.6478% | 3,020 |
| Net loans and leases to core deposits | 104.2117% | 4,371 |
| Total domestic deposits to total assets | 89.3347% | 905 |
| Equity capital to assets | 9.9061% | 4,153 |
| Core capital (leverage) ratio | 7.4644% | 7,245 |
| Tier 1 risk-based capital ratio | 9.9757% | 6,756 |
| Total risk-based capital ratio | 11.2104% | 6,670 |
| Memoranda: | ||
| Average total assets | $43,476,600 | 7,056 |
| Average earning assets | $38,825,000 | 7,097 |
| Average equity | $4,268,000 | 7,406 |
| Average total loans | $34,039,800 | 6,486 |