PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Americas Bank, National Association

Atlanta, GA · Cert 35065

FDIC

Q3 2010

$242.3MAssets
$185.7MLoans
$193.8MDeposits
$-1833KEquity
Loan mix
87%RE $127.0M12%C&I $17.0M1%Consumer $2.1MQ4 2008Q3 2010
Deposit mix
95%Interest-bearing $184.9M5%Noninterest $8.9MQ4 2008Q3 2010

Executive Summary

  • Earnings: ROA of -8.45%, down 846 bps year over year; NIM at 1.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.96%.
  • Funding: loans stand at 95.83% of deposits as of Q3 2010.

Return on Assets (YTD, annualized)

-8.45%-846 bps YoY

Net Interest Margin (YTD, annualized)

1.92%-30 bps YoY

Efficiency Ratio (YTD, annualized)

135.45%+5,595 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

6.47%Q3 ’084.59%Q3 ’093.85%Q3 ’10-28%-13%

Non-interest income vs. expense

3.16%Q3 ’082.60%Q3 ’093.23%Q3 ’10-43%+79%

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.08%0.15%0.01%0.01%-2.40%-0.53%-10.44%-8.45%-846 bps
Return on Equity0.94%1.82%0.15%0.16%-31.34%-9.05%-256%-289%-28,938 bps
Net Interest Margin2.96%2.36%2.26%2.22%2.11%1.74%1.81%1.92%-30 bps
Efficiency Ratio87.52%76.33%78.91%79.50%88.97%132.56%136.97%135.45%+5,595 bps
Non-Interest Burden2.54%1.52%1.52%1.55%1.78%2.45%2.65%2.77%+122 bps
Growth
Asset Growth (YoY)6.85%2.76%2.17%5.50%8.31%9.08%1.22%-4.15%-965 bps
Loan Growth (YoY)5.23%-0.46%-5.65%-4.96%-5.50%-4.44%-9.16%-11.42%-646 bps
Deposit Growth (YoY)3.84%-0.30%6.90%12.43%26.60%26.96%19.98%10.67%-176 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.24%0.07%0.09%0.10%2.15%0.47%5.60%3.96%+387 bps
Allowance / Loans1.19%1.37%1.65%1.76%3.43%3.49%6.63%7.85%+609 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.20%11.19%11.09%11.28%8.51%8.67%0.77%-1.13%-1,241 bps
Equity / Assets8.36%8.46%8.24%8.03%5.41%6.29%0.32%-0.76%-879 bps
Liquidity & Funding
Loans / Deposits140.96%139.05%127.51%119.72%105.21%104.66%96.55%95.83%-2,390 bps
Liquid Assets / Assets0.13%0.28%0.35%0.29%10.41%7.65%11.97%13.42%+1,313 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a