Home > Unity National Bank > Performance and Condition Ratios
Unity National Bank, Performance and Condition Ratios
| 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 | 5.6510% | 3,347 |
| Cost of funding earning assets | 3.0996% | 172 |
| Net interest margin | 2.5514% | 7,370 |
| Noninterest income to average assets | 0.1709% | 6,856 |
| Noninterest expense to average assets | 3.4837% | 2,410 |
| Loan and lease loss provision to assets | 4.4029% | 275 |
| Net operating income to assets | -5.1764% | 7,764 |
| Return on assets (ROA) | -5.2143% | 7,761 |
| Pretax return on assets | -5.6080% | 7,771 |
| Return on Equity (ROE) | -96.1658% | 7,920 |
| Retained earnings to average equity (ytd only) | -96.1658% | 7,917 |
| Net charge-offs to loans | 4.5923% | 310 |
| Credit loss provision to net charge-offs | 129.7044% | 3,947 |
| Earnings coverage of net charge-offs (x) | -0.3430% | 6,576 |
| Efficiency ratio | 150.1999% | 312 |
| Assets per employee ($millions) | 4.3564% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1899% | 319 |
| Loan loss allowance to noncurrent loans | 34.7337% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 14.3175% | 156 |
| Noncurrent loans to loans | 12.0630% | 276 |
| Net loans and leases to total assets | 64.1522% | 4,573 |
| Net loans and leases to deposits | 72.9645% | 5,197 |
| Net loans and leases to core deposits | 95.3053% | 4,538 |
| Total domestic deposits to total assets | 87.9224% | 2,002 |
| Equity capital to assets | 3.0107% | 7,915 |
| Core capital (leverage) ratio | 2.9782% | 7,909 |
| Tier 1 risk-based capital ratio | 3.9812% | 7,908 |
| Total risk-based capital ratio | 5.2622% | 7,911 |
| Memoranda: | ||
| Average total assets | $301,979,400 | 2,205 |
| Average earning assets | $254,291,000 | 2,370 |
| Average equity | $16,373,800 | 3,808 |
| Average total loans | $223,222,600 | 2,075 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8177% | 2,813 |
| Cost of funding earning assets | 3.1578% | 209 |
| Net interest margin | 2.6600% | 7,277 |
| Noninterest income to average assets | 0.0115% | 7,801 |
| Noninterest expense to average assets | 3.1488% | 3,467 |
| Loan and lease loss provision to assets | 4.5848% | 212 |
| Net operating income to assets | -5.7812% | 7,914 |
| Return on assets (ROA) | -5.8355% | 7,914 |
| Pretax return on assets | -5.5352% | 7,871 |
| Return on Equity (ROE) | -96.9100% | 8,004 |
| Retained earnings to average equity (ytd only) | -96.9100% | 8,002 |
| Net charge-offs to loans | 4.5343% | 278 |
| Credit loss provision to net charge-offs | 133.6590% | 3,730 |
| Earnings coverage of net charge-offs (x) | -0.2613% | 6,332 |
| Efficiency ratio | 139.7807% | 390 |
| Assets per employee ($millions) | 4.3804% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7545% | 345 |
| Loan loss allowance to noncurrent loans | 37.7713% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 12.9395% | 182 |
| Noncurrent loans to loans | 9.9402% | 401 |
| Net loans and leases to total assets | 68.8988% | 3,746 |
| Net loans and leases to deposits | 79.2525% | 4,522 |
| Net loans and leases to core deposits | 101.1658% | 4,248 |
| Total domestic deposits to total assets | 86.9359% | 2,209 |
| Equity capital to assets | 3.9061% | 8,004 |
| Core capital (leverage) ratio | 3.8627% | 7,990 |
| Tier 1 risk-based capital ratio | 4.8819% | 8,002 |
| Total risk-based capital ratio | 6.1586% | 8,007 |
| Memoranda: | ||
| Average total assets | $302,326,750 | 2,212 |
| Average earning assets | $254,732,000 | 2,385 |
| Average equity | $18,204,750 | 3,499 |
| Average total loans | $228,711,250 | 2,063 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0137% | 2,132 |
| Cost of funding earning assets | 3.2128% | 255 |
| Net interest margin | 2.8009% | 7,008 |
| Noninterest income to average assets | -0.0066% | 7,977 |
| Noninterest expense to average assets | 3.1335% | 3,566 |
| Loan and lease loss provision to assets | 5.7246% | 152 |
| Net operating income to assets | -6.9629% | 8,050 |
| Return on assets (ROA) | -7.0438% | 8,047 |
| Pretax return on assets | -6.5955% | 7,990 |
| Return on Equity (ROE) | -104.9294% | 8,080 |
| Retained earnings to average equity (ytd only) | -104.9294% | 8,079 |
| Net charge-offs to loans | 5.2602% | 233 |
| Credit loss provision to net charge-offs | 141.3754% | 3,297 |
| Earnings coverage of net charge-offs (x) | -0.1951% | 5,881 |
| Efficiency ratio | 133.7079% | 487 |
| Assets per employee ($millions) | 4.3878% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6231% | 342 |
| Loan loss allowance to noncurrent loans | 73.7062% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 9.7141% | 316 |
| Noncurrent loans to loans | 4.9155% | 1,261 |
| Net loans and leases to total assets | 70.7263% | 3,528 |
| Net loans and leases to deposits | 83.7435% | 3,932 |
| Net loans and leases to core deposits | 104.8269% | 3,975 |
| Total domestic deposits to total assets | 84.4559% | 3,522 |
| Equity capital to assets | 4.6804% | 8,059 |
| Core capital (leverage) ratio | 4.6783% | 8,043 |
| Tier 1 risk-based capital ratio | 5.8197% | 8,065 |
| Total risk-based capital ratio | 7.0952% | 8,071 |
| Memoranda: | ||
| Average total assets | $303,812,330 | 2,234 |
| Average earning assets | $254,918,670 | 2,399 |
| Average equity | $20,394,670 | 3,189 |
| Average total loans | $233,870,000 | 2,055 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0634% | 2,098 |
| Cost of funding earning assets | 3.2060% | 338 |
| Net interest margin | 2.8574% | 6,860 |
| Noninterest income to average assets | -0.0157% | 8,096 |
| Noninterest expense to average assets | 2.8682% | 4,265 |
| Loan and lease loss provision to assets | 1.9704% | 614 |
| Net operating income to assets | -1.4749% | 7,487 |
| Return on assets (ROA) | -1.5776% | 7,534 |
| Pretax return on assets | -2.5981% | 7,681 |
| Return on Equity (ROE) | -20.4833% | 7,763 |
| Retained earnings to average equity (ytd only) | -20.4833% | 7,658 |
| Net charge-offs to loans | 4.5913% | 245 |
| Credit loss provision to net charge-offs | 54.5126% | 4,611 |
| Earnings coverage of net charge-offs (x) | -0.1292% | 5,100 |
| Efficiency ratio | 119.4565% | 639 |
| Assets per employee ($millions) | 4.1640% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7716% | 1,926 |
| Loan loss allowance to noncurrent loans | 33.1114% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 9.2775% | 262 |
| Noncurrent loans to loans | 5.3503% | 988 |
| Net loans and leases to total assets | 76.3438% | 2,197 |
| Net loans and leases to deposits | 93.8150% | 2,301 |
| Net loans and leases to core deposits | 117.1107% | 2,671 |
| Total domestic deposits to total assets | 81.3769% | 4,800 |
| Equity capital to assets | 7.8153% | 7,041 |
| Core capital (leverage) ratio | 7.2894% | 7,390 |
| Tier 1 risk-based capital ratio | 8.7459% | 7,894 |
| Total risk-based capital ratio | 10.0006% | 7,960 |
| Memoranda: | ||
| Average total assets | $306,533,500 | 2,231 |
| Average earning assets | $259,261,000 | 2,373 |
| Average equity | $23,609,500 | 2,813 |
| Average total loans | $241,325,500 | 2,013 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7941% | 1,697 |
| Cost of funding earning assets | 3.6352% | 336 |
| Net interest margin | 3.1588% | 6,498 |
| Noninterest income to average assets | 0.3991% | 5,477 |
| Noninterest expense to average assets | 2.9149% | 4,397 |
| Loan and lease loss provision to assets | 1.4120% | 978 |
| Net operating income to assets | -0.6348% | 7,029 |
| Return on assets (ROA) | -0.6380% | 6,923 |
| Pretax return on assets | -1.1174% | 7,068 |
| Return on Equity (ROE) | -8.3130% | 7,143 |
| Retained earnings to average equity (ytd only) | -10.3881% | 7,104 |
| Net charge-offs to loans | 0.9176% | 1,350 |
| Credit loss provision to net charge-offs | 190.6667% | 2,582 |
| Earnings coverage of net charge-offs (x) | 0.4047% | 5,993 |
| Efficiency ratio | 90.6758% | 1,465 |
| Assets per employee ($millions) | 3.6425% | 4,306 |
| Cash dividends to net income (ytd only)* | -24.9626% | 7,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1583% | 994 |
| Loan loss allowance to noncurrent loans | 25.0850% | 7,004 |
| Noncurrent assets plus other real estate owned to assets | 9.7728% | 174 |
| Noncurrent loans to loans | 8.6041% | 297 |
| Net loans and leases to total assets | 77.9707% | 2,146 |
| Net loans and leases to deposits | 97.5357% | 2,189 |
| Net loans and leases to core deposits | 125.1200% | 2,240 |
| Total domestic deposits to total assets | 79.9407% | 5,043 |
| Equity capital to assets | 7.5938% | 7,306 |
| Core capital (leverage) ratio | 7.3406% | 7,375 |
| Tier 1 risk-based capital ratio | 8.7602% | 7,928 |
| Total risk-based capital ratio | 10.0199% | 7,994 |
| Memoranda: | ||
| Average total assets | $313,941,200 | 2,129 |
| Average earning assets | $279,817,400 | 2,172 |
| Average equity | $24,094,800 | 2,721 |
| Average total loans | $253,368,200 | 1,883 |