PackageTrendsPeer
Letter portraitLegal landscape

Union National Bank and Trust Company

Barbourville, KY · Cert 11983

FDIC

Q2 2008

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: Q2 2008, the quarter ended June 30, 2008, 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 National Bank and Trust Company

Barbourville, KY · Cert 11983

FDIC

Q2 2008

$194.8MAssets
$126.2MLoans
$171.8MDeposits
$17.2MEquity
Loan mix
88%RE $83.2M11%C&I $10.9M1%Consumer $0.7MQ2 2007Q2 2008
Deposit mix
87%Interest-bearing $150.0M13%Noninterest $21.9MQ2 2007Q2 2008

NIM

6.29%Q2 ’066.58%Q2 ’076.02%Q2 ’08-8%-5%

Non-interest income vs. expense

2.94%Q2 ’062.94%Q2 ’072.86%Q2 ’08-1%-5%

Executive Summary

  • Earnings: ROA of 0.35%, down 34 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.51%.
  • Funding: loans stand at 73.44% of deposits as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

0.35%-34 bps YoY

Net Interest Margin (YTD, annualized)

3.46%-17 bps YoY

Efficiency Ratio (YTD, annualized)

73.54%+34 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets0.69%0.64%0.43%0.48%0.35%-34 bps
Return on Equity7.37%6.75%4.60%5.46%3.98%-339 bps
Net Interest Margin3.63%3.58%3.46%3.36%3.46%-17 bps
Efficiency Ratio73.20%74.68%76.33%74.34%73.54%+34 bps
Non-Interest Burden2.55%2.59%2.55%2.39%2.43%-12 bps
Growth
Asset Growth (YoY)-0.54%1.95%6.80%2.74%1.40%+194 bps
Loan Growth (YoY)-3.54%-7.08%-6.01%-7.68%-1.99%+156 bps
Deposit Growth (YoY)1.88%2.55%7.80%2.86%1.12%-77 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.30%0.25%0.57%-0.02%0.51%+21 bps
Allowance / Loans1.26%1.31%1.30%1.52%1.50%+24 bps
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 Capital15.19%15.30%14.75%15.43%15.05%-14 bps
Equity / Assets9.35%9.42%8.61%9.04%8.84%-51 bps
Liquidity & Funding
Loans / Deposits75.77%73.50%70.55%70.11%73.44%-233 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