PackageTrendsPeer
Letter portraitLegal landscape

Union Bank and Trust Company of Indiana

Greensburg, IN · Cert 10093

FDIC

Q3 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2002, the quarter ended September 30, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Union Bank and Trust Company of Indiana

Greensburg, IN · Cert 10093

FDIC

Q3 2002

$352.7MAssets
$222.9MLoans
$287.6MDeposits
$33.1MEquity
Loan mix
83%RE $154.8M17%C&I $30.9M1%Consumer $1.1MQ3 2001Q3 2002
Deposit mix
89%Interest-bearing $255.8M11%Noninterest $31.7MQ3 2001Q3 2002

NIM

7.39%Q1 ’017.19%Q3 ’016.15%Q3 ’02+3%+14%

Non-interest income vs. expense

2.75%Q1 ’012.86%Q3 ’013.25%Q3 ’02-2%+6%

Executive Summary

  • Earnings: ROA of 1.37%, up 25 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 77.52% of deposits as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

1.37%+25 bps YoY

Net Interest Margin (YTD, annualized)

4.12%+49 bps YoY

Efficiency Ratio (YTD, annualized)

56.57%-392 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets1.12%1.17%1.38%1.42%1.37%+25 bps
Return on Equityn/an/a14.81%15.12%14.57%n/a
Net Interest Margin3.62%3.71%4.26%4.18%4.12%+49 bps
Efficiency Ratio60.49%59.55%56.12%55.73%56.57%-392 bps
Non-Interest Burden1.76%1.75%1.94%1.86%1.86%+11 bps
Growth
Asset Growth (YoY)0.61%-2.19%-3.69%-3.69%0.70%+8 bps
Loan Growth (YoY)7.26%3.12%-0.92%-4.23%-4.20%-1,146 bps
Deposit Growth (YoY)-0.99%-2.27%-8.46%-4.61%-5.43%-444 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.11%0.09%0.07%0.08%0.08%-4 bps
Allowance / Loansn/an/an/an/an/an/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 Capital11.46%11.77%11.81%11.30%11.63%+17 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits76.53%72.60%78.78%75.46%77.52%+99 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a