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United Community Bank

Oakwood, IL · Cert 11724

FDIC · 2 branches

Q1 2015

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: Q1 2015, the quarter ended March 31, 2015, 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

United Community Bank

Oakwood, IL · Cert 11724

FDIC · 2 branches

Q1 2015

$47.2MAssets
$24.6MLoans
$42.9MDeposits
$4.1MEquity
Loan mix
81%RE $15.0M15%C&I $2.8M4%Consumer $0.8MQ1 2014Q1 2015
Deposit mix
86%Interest-bearing $36.9M14%Noninterest $6.0MQ1 2014Q1 2015

NIM

3.81%Q1 ’133.35%Q1 ’143.06%Q1 ’15-13%-9%

Non-interest income vs. expense

3.06%Q1 ’133.02%Q1 ’142.67%Q1 ’15+1%-14%

Market Position · Danville, IL · 2014 SOD (annual) · 3.8% share · #7 of 16 inst. · $0.0B of $1.1B

Executive Summary

  • Earnings: ROA of 0.50%, up 12 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.72%.
  • Funding: loans stand at 57.29% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

0.50%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.77%-27 bps YoY

Efficiency Ratio (YTD, annualized)

84.51%-417 bps YoY

Tier 1 Leverage Ratio

8.72%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.38%0.51%0.52%0.53%0.50%+12 bps
Return on Equity4.19%5.69%5.77%5.89%5.62%+142 bps
Net Interest Margin3.04%2.87%2.98%3.02%2.77%-27 bps
Efficiency Ratio88.68%85.25%85.05%84.78%84.51%-417 bps
Non-Interest Burden2.66%2.38%2.47%2.49%2.28%-38 bps
Growth
Asset Growth (YoY)11.71%11.10%7.01%7.19%1.35%-1,036 bps
Loan Growth (YoY)-5.83%-3.09%-1.85%-3.11%-6.77%-93 bps
Deposit Growth (YoY)13.03%12.16%11.49%7.97%1.00%-1,203 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.08%0.05%0.03%0.03%0.00%-8 bps
Allowance / Loans1.01%1.00%0.98%1.00%1.08%+7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a8.72%n/an/a
Total Risk-Based Capital15.13%15.25%15.39%15.93%16.67%+154 bps
Equity / Assets8.54%8.71%9.08%9.03%8.64%+10 bps
Liquidity & Funding
Loans / Deposits62.06%63.11%67.86%64.77%57.29%-477 bps
Liquid Assets / Assets26.99%29.22%34.05%36.83%43.06%+1,607 bps
CRE / Total Capitaln/an/an/an/an/an/an/a