PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Union Bank

Kansas City, MO · Cert 1653

FDIC

Q1 2001

$192.3MAssets
$102.3MLoans
$165.8MDeposits
$13.9MEquity
Deposit mix
88%Interest-bearing $146.3M12%Noninterest $19.5MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.78%, down 11 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 61.70% of deposits as of Q1 2001.

Financial Results

Return on Assets (YTD, annualized)

0.78%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.99%

Efficiency Ratio (YTD, annualized)

74.18%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.89%0.91%0.95%0.94%0.78%-11 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.99%n/an/a
Efficiency Ration/an/an/an/a74.18%n/an/a
Non-Interest Burdenn/an/an/an/a2.82%n/an/a
Growth
Asset Growth (YoY)5.71%7.54%9.85%11.59%9.37%+366 bps
Loan Growth (YoY)17.14%21.32%16.77%11.25%8.35%-879 bps
Deposit Growth (YoY)6.14%6.34%9.07%7.65%7.42%+128 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.08%n/an/a
Allowance / Loansn/an/an/an/a1.29%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a13.30%n/an/a
Equity / Assetsn/an/an/an/a7.25%n/an/a
Liquidity & Funding
Loans / Deposits61.17%62.39%61.46%61.41%61.70%+53 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%6.36%+636 bps
CRE / Total Capitaln/an/an/an/an/an/an/a