Home > United Western Bank > Performance and Condition Ratios
United Western Bank, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 7,157 |
| Cost of funding earning assets | 0.8802% | 6,240 |
| Net interest margin | 3.0886% | 6,545 |
| Noninterest income to average assets | 0.0065% | 7,259 |
| Noninterest expense to average assets | 3.0910% | 3,496 |
| Loan and lease loss provision to assets | 2.4710% | 454 |
| Net operating income to assets | -2.6803% | 7,224 |
| Return on assets (ROA) | -4.7118% | 7,519 |
| Pretax return on assets | -4.7434% | 7,523 |
| Return on Equity (ROE) | -76.5846% | 7,541 |
| Retained earnings to average equity (ytd only) | -83.6564% | 7,557 |
| Net charge-offs to loans | 4.1128% | 300 |
| Credit loss provision to net charge-offs | 101.5381% | 4,466 |
| Earnings coverage of net charge-offs (x) | -0.0905% | 6,214 |
| Efficiency ratio | 107.0615% | 602 |
| Assets per employee ($millions) | 13.7178% | 113 |
| Cash dividends to net income (ytd only)* | -9.2339% | 7,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9102% | 942 |
| Loan loss allowance to noncurrent loans | 44.2918% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 5.6812% | 1,077 |
| Noncurrent loans to loans | 6.5704% | 904 |
| Net loans and leases to total assets | 56.2410% | 5,303 |
| Net loans and leases to deposits | 78.8992% | 3,354 |
| Net loans and leases to core deposits | 80.8538% | 4,085 |
| Total domestic deposits to total assets | 71.2820% | 7,150 |
| Equity capital to assets | 3.3383% | 7,543 |
| Core capital (leverage) ratio | 3.6145% | 7,522 |
| Tier 1 risk-based capital ratio | 4.1226% | 7,558 |
| Total risk-based capital ratio | 5.3903% | 7,561 |
| Memoranda: | ||
| Average total assets | $2,300,223,800 | 309 |
| Average earning assets | $2,133,140,000 | 300 |
| Average equity | $141,520,600 | 487 |
| Average total loans | $1,361,072,000 | 345 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0025% | 7,279 |
| Cost of funding earning assets | 0.9386% | 6,228 |
| Net interest margin | 3.0639% | 6,701 |
| Noninterest income to average assets | 0.0482% | 7,281 |
| Noninterest expense to average assets | 3.0498% | 3,573 |
| Loan and lease loss provision to assets | 2.2128% | 504 |
| Net operating income to assets | -2.3519% | 7,313 |
| Return on assets (ROA) | -3.9265% | 7,576 |
| Pretax return on assets | -3.9627% | 7,560 |
| Return on Equity (ROE) | -57.7350% | 7,595 |
| Retained earnings to average equity (ytd only) | -57.7350% | 7,593 |
| Net charge-offs to loans | 3.2421% | 444 |
| Credit loss provision to net charge-offs | 114.7931% | 3,642 |
| Earnings coverage of net charge-offs (x) | -0.0826% | 6,096 |
| Efficiency ratio | 104.9011% | 617 |
| Assets per employee ($millions) | 12.7370% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0555% | 783 |
| Loan loss allowance to noncurrent loans | 56.2543% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 4.8223% | 1,363 |
| Noncurrent loans to loans | 5.4317% | 1,233 |
| Net loans and leases to total assets | 62.5467% | 4,419 |
| Net loans and leases to deposits | 77.6723% | 3,887 |
| Net loans and leases to core deposits | 81.0070% | 4,384 |
| Total domestic deposits to total assets | 80.5264% | 5,535 |
| Equity capital to assets | 5.8984% | 7,500 |
| Core capital (leverage) ratio | 6.1996% | 7,404 |
| Tier 1 risk-based capital ratio | 6.5325% | 7,579 |
| Total risk-based capital ratio | 7.8020% | 7,583 |
| Memoranda: | ||
| Average total assets | $2,336,857,250 | 304 |
| Average earning assets | $2,167,926,250 | 292 |
| Average equity | $158,926,750 | 423 |
| Average total loans | $1,389,449,500 | 340 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9168% | 7,412 |
| Cost of funding earning assets | 0.9705% | 6,289 |
| Net interest margin | 2.9463% | 6,943 |
| Noninterest income to average assets | -0.0157% | 7,559 |
| Noninterest expense to average assets | 3.0451% | 3,537 |
| Loan and lease loss provision to assets | 1.6113% | 810 |
| Net operating income to assets | -1.8800% | 7,275 |
| Return on assets (ROA) | -2.6445% | 7,456 |
| Pretax return on assets | -2.7212% | 7,421 |
| Return on Equity (ROE) | -37.4872% | 7,510 |
| Retained earnings to average equity (ytd only) | -37.4872% | 7,500 |
| Net charge-offs to loans | 2.0461% | 884 |
| Credit loss provision to net charge-offs | 135.6970% | 2,952 |
| Earnings coverage of net charge-offs (x) | -0.2709% | 5,914 |
| Efficiency ratio | 111.1806% | 525 |
| Assets per employee ($millions) | 13.5297% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9416% | 873 |
| Loan loss allowance to noncurrent loans | 55.1763% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 4.0897% | 1,670 |
| Noncurrent loans to loans | 5.3313% | 1,256 |
| Net loans and leases to total assets | 60.7218% | 4,927 |
| Net loans and leases to deposits | 75.7109% | 4,380 |
| Net loans and leases to core deposits | 84.9900% | 3,998 |
| Total domestic deposits to total assets | 80.2022% | 5,668 |
| Equity capital to assets | 7.2449% | 7,252 |
| Core capital (leverage) ratio | 7.4238% | 6,899 |
| Tier 1 risk-based capital ratio | 7.7490% | 7,543 |
| Total risk-based capital ratio | 9.0162% | 7,551 |
| Memoranda: | ||
| Average total assets | $2,432,259,330 | 291 |
| Average earning assets | $2,261,184,670 | 281 |
| Average equity | $171,584,000 | 398 |
| Average total loans | $1,411,585,670 | 338 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7341% | 7,622 |
| Cost of funding earning assets | 0.9749% | 6,497 |
| Net interest margin | 2.7593% | 7,239 |
| Noninterest income to average assets | -0.1856% | 7,801 |
| Noninterest expense to average assets | 2.8919% | 4,089 |
| Loan and lease loss provision to assets | 2.2827% | 470 |
| Net operating income to assets | -2.6637% | 7,588 |
| Return on assets (ROA) | -3.3022% | 7,660 |
| Pretax return on assets | -3.4692% | 7,638 |
| Return on Equity (ROE) | -47.3632% | 7,702 |
| Retained earnings to average equity (ytd only) | -47.3632% | 7,691 |
| Net charge-offs to loans | 3.9960% | 326 |
| Credit loss provision to net charge-offs | 101.8722% | 3,341 |
| Earnings coverage of net charge-offs (x) | -0.2296% | 5,175 |
| Efficiency ratio | 120.9636% | 432 |
| Assets per employee ($millions) | 13.6968% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5298% | 1,256 |
| Loan loss allowance to noncurrent loans | 47.2303% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 3.8498% | 1,797 |
| Noncurrent loans to loans | 5.3564% | 1,324 |
| Net loans and leases to total assets | 53.1316% | 6,139 |
| Net loans and leases to deposits | 63.9654% | 6,052 |
| Net loans and leases to core deposits | 74.2849% | 5,474 |
| Total domestic deposits to total assets | 83.0630% | 4,591 |
| Equity capital to assets | 6.4366% | 7,541 |
| Core capital (leverage) ratio | 6.6327% | 7,419 |
| Tier 1 risk-based capital ratio | 7.9147% | 7,622 |
| Total risk-based capital ratio | 9.1773% | 7,631 |
| Memoranda: | ||
| Average total assets | $2,545,715,000 | 288 |
| Average earning assets | $2,364,666,500 | 280 |
| Average equity | $177,488,000 | 393 |
| Average total loans | $1,427,522,000 | 346 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4660% | 7,408 |
| Cost of funding earning assets | 1.2351% | 6,526 |
| Net interest margin | 3.2309% | 5,989 |
| Noninterest income to average assets | 0.1952% | 6,703 |
| Noninterest expense to average assets | 2.6351% | 5,649 |
| Loan and lease loss provision to assets | 1.5765% | 1,456 |
| Net operating income to assets | -0.7665% | 6,414 |
| Return on assets (ROA) | -2.8917% | 7,379 |
| Pretax return on assets | -3.8351% | 7,491 |
| Return on Equity (ROE) | -38.3997% | 7,544 |
| Retained earnings to average equity (ytd only) | -38.3997% | 7,531 |
| Net charge-offs to loans | 1.1268% | 2,178 |
| Credit loss provision to net charge-offs | 222.2653% | 1,694 |
| Earnings coverage of net charge-offs (x) | 0.8106% | 5,300 |
| Efficiency ratio | 81.5380% | 2,666 |
| Assets per employee ($millions) | 13.5283% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4539% | 1,283 |
| Loan loss allowance to noncurrent loans | 56.3137% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 3.2616% | 2,103 |
| Noncurrent loans to loans | 4.3575% | 1,646 |
| Net loans and leases to total assets | 56.2784% | 5,913 |
| Net loans and leases to deposits | 69.1445% | 5,706 |
| Net loans and leases to core deposits | 71.9220% | 6,664 |
| Total domestic deposits to total assets | 81.3924% | 5,197 |
| Equity capital to assets | 7.5258% | 7,011 |
| Core capital (leverage) ratio | 7.6829% | 6,572 |
| Tier 1 risk-based capital ratio | 8.8134% | 7,532 |
| Total risk-based capital ratio | 10.0744% | 7,556 |
| Memoranda: | ||
| Average total assets | $2,398,565,000 | 302 |
| Average earning assets | $2,238,226,200 | 298 |
| Average equity | $180,623,800 | 379 |
| Average total loans | $1,509,819,200 | 334 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5987% | 7,418 |
| Cost of funding earning assets | 1.2404% | 6,758 |
| Net interest margin | 3.3583% | 5,416 |
| Noninterest income to average assets | 0.2644% | 6,336 |
| Noninterest expense to average assets | 2.6087% | 5,686 |
| Loan and lease loss provision to assets | 1.2912% | 1,490 |
| Net operating income to assets | -0.1892% | 6,042 |
| Return on assets (ROA) | -1.8772% | 7,269 |
| Pretax return on assets | -3.1362% | 7,537 |
| Return on Equity (ROE) | -24.9235% | 7,503 |
| Retained earnings to average equity (ytd only) | -24.9235% | 7,481 |
| Net charge-offs to loans | 0.7953% | 2,378 |
| Credit loss provision to net charge-offs | 252.3726% | 1,700 |
| Earnings coverage of net charge-offs (x) | 1.5490% | 4,625 |
| Efficiency ratio | 76.1740% | 3,482 |
| Assets per employee ($millions) | 14.6850% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8942% | 2,052 |
| Loan loss allowance to noncurrent loans | 61.9925% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 2.3678% | 2,906 |
| Noncurrent loans to loans | 3.0555% | 2,480 |
| Net loans and leases to total assets | 56.8020% | 6,054 |
| Net loans and leases to deposits | 71.6970% | 5,697 |
| Net loans and leases to core deposits | 74.3306% | 6,710 |
| Total domestic deposits to total assets | 79.2251% | 5,726 |
| Equity capital to assets | 8.7209% | 5,924 |
| Core capital (leverage) ratio | 8.7721% | 5,017 |
| Tier 1 risk-based capital ratio | 9.8218% | 7,115 |
| Total risk-based capital ratio | 11.0717% | 7,086 |
| Memoranda: | ||
| Average total assets | $2,372,524,500 | 318 |
| Average earning assets | $2,216,043,250 | 312 |
| Average equity | $178,692,000 | 395 |
| Average total loans | $1,526,292,500 | 344 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 7,144 |
| Cost of funding earning assets | 1.2473% | 6,969 |
| Net interest margin | 3.5949% | 4,385 |
| Noninterest income to average assets | 0.2906% | 6,195 |
| Noninterest expense to average assets | 2.5132% | 6,080 |
| Loan and lease loss provision to assets | 0.9463% | 1,787 |
| Net operating income to assets | 0.2671% | 5,024 |
| Return on assets (ROA) | -2.3482% | 7,517 |
| Pretax return on assets | -3.8992% | 7,729 |
| Return on Equity (ROE) | -33.1524% | 7,757 |
| Retained earnings to average equity (ytd only) | -33.1524% | 7,734 |
| Net charge-offs to loans | 0.7414% | 2,196 |
| Credit loss provision to net charge-offs | 191.2034% | 2,393 |
| Earnings coverage of net charge-offs (x) | 2.2905% | 3,922 |
| Efficiency ratio | 68.5139% | 5,069 |
| Assets per employee ($millions) | 13.6465% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 3,647 |
| Loan loss allowance to noncurrent loans | 54.1046% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 1.9438% | 3,279 |
| Noncurrent loans to loans | 2.6158% | 2,764 |
| Net loans and leases to total assets | 63.5168% | 5,078 |
| Net loans and leases to deposits | 79.6316% | 4,594 |
| Net loans and leases to core deposits | 81.8025% | 6,259 |
| Total domestic deposits to total assets | 79.7633% | 5,547 |
| Equity capital to assets | 7.1686% | 7,505 |
| Core capital (leverage) ratio | 7.2111% | 7,346 |
| Tier 1 risk-based capital ratio | 9.0741% | 7,656 |
| Total risk-based capital ratio | 10.1674% | 7,770 |
| Memoranda: | ||
| Average total assets | $2,296,949,000 | 333 |
| Average earning assets | $2,144,392,670 | 326 |
| Average equity | $162,697,000 | 440 |
| Average total loans | $1,533,412,670 | 355 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9674% | 7,018 |
| Cost of funding earning assets | 1.2587% | 7,151 |
| Net interest margin | 3.7087% | 3,856 |
| Noninterest income to average assets | 0.2319% | 6,613 |
| Noninterest expense to average assets | 2.3904% | 6,227 |
| Loan and lease loss provision to assets | 0.7428% | 1,733 |
| Net operating income to assets | 0.4112% | 4,817 |
| Return on assets (ROA) | 0.4175% | 4,964 |
| Pretax return on assets | 0.5650% | 4,863 |
| Return on Equity (ROE) | 5.9326% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.9326% | 2,660 |
| Net charge-offs to loans | 0.8205% | 1,578 |
| Credit loss provision to net charge-offs | 133.1529% | 3,038 |
| Earnings coverage of net charge-offs (x) | 2.3290% | 3,571 |
| Efficiency ratio | 64.3810% | 5,612 |
| Assets per employee ($millions) | 12.4991% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 5,048 |
| Loan loss allowance to noncurrent loans | 40.5478% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 2.1736% | 2,640 |
| Noncurrent loans to loans | 2.8619% | 2,285 |
| Net loans and leases to total assets | 66.3782% | 4,491 |
| Net loans and leases to deposits | 84.1410% | 3,960 |
| Net loans and leases to core deposits | 86.0767% | 5,892 |
| Total domestic deposits to total assets | 78.8893% | 5,769 |
| Equity capital to assets | 7.2985% | 7,495 |
| Core capital (leverage) ratio | 8.0619% | 6,365 |
| Tier 1 risk-based capital ratio | 9.6024% | 7,337 |
| Total risk-based capital ratio | 10.4498% | 7,662 |
| Memoranda: | ||
| Average total assets | $2,251,355,000 | 337 |
| Average earning assets | $2,099,066,500 | 330 |
| Average equity | $158,447,500 | 447 |
| Average total loans | $1,530,796,500 | 356 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6999% | 6,780 |
| Cost of funding earning assets | 1.4674% | 7,658 |
| Net interest margin | 4.2325% | 2,187 |
| Noninterest income to average assets | 0.0795% | 7,745 |
| Noninterest expense to average assets | 2.5137% | 5,952 |
| Loan and lease loss provision to assets | 0.6250% | 2,331 |
| Net operating income to assets | 0.6079% | 4,269 |
| Return on assets (ROA) | 0.6322% | 4,024 |
| Pretax return on assets | 0.9102% | 3,690 |
| Return on Equity (ROE) | 9.4075% | 2,471 |
| Retained earnings to average equity (ytd only) | 7.4621% | 998 |
| Net charge-offs to loans | 0.2323% | 3,919 |
| Credit loss provision to net charge-offs | 414.8727% | 1,052 |
| Earnings coverage of net charge-offs (x) | 9.9565% | 2,602 |
| Efficiency ratio | 62.2432% | 5,905 |
| Assets per employee ($millions) | 11.7297% | 172 |
| Cash dividends to net income (ytd only)* | 20.6796% | 4,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 5,447 |
| Loan loss allowance to noncurrent loans | 64.1060% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 1.4687% | 3,285 |
| Noncurrent loans to loans | 1.6780% | 3,253 |
| Net loans and leases to total assets | 68.0990% | 4,451 |
| Net loans and leases to deposits | 86.3727% | 4,060 |
| Net loans and leases to core deposits | 88.3804% | 5,937 |
| Total domestic deposits to total assets | 78.8433% | 5,435 |
| Equity capital to assets | 6.7747% | 7,841 |
| Core capital (leverage) ratio | 7.6457% | 7,012 |
| Tier 1 risk-based capital ratio | 9.6841% | 7,105 |
| Total risk-based capital ratio | 10.5504% | 7,444 |
| Memoranda: | ||
| Average total assets | $2,164,516,600 | 337 |
| Average earning assets | $2,012,000,200 | 329 |
| Average equity | $145,469,200 | 478 |
| Average total loans | $1,403,804,400 | 371 |