PackageTrendsPeer
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Union Savings Bank, The

Sedalia, MO · Cert 1948

FDIC

Q3 2011

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 2011, the quarter ended September 30, 2011, 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 Savings Bank, The

Sedalia, MO · Cert 1948

FDIC

Q3 2011

$92.9MAssets
$39.6MLoans
$81.6MDeposits
$11.2MEquity
Loan mix
67%RE $21.2M27%C&I $8.7M6%Consumer $1.8MQ3 2010Q3 2011
Deposit mix
83%Interest-bearing $67.9M17%Noninterest $13.7MQ3 2010Q3 2011

NIM

4.13%Q3 ’093.70%Q3 ’103.46%Q3 ’11+5%+4%

Non-interest income vs. expense

2.68%Q3 ’092.73%Q3 ’103.49%Q3 ’11+0%+30%

Executive Summary

  • Earnings: ROA of -0.30%, down 50 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 48.58% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-0.30%-50 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+11 bps YoY

Efficiency Ratio (YTD, annualized)

112.18%+2,068 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets0.20%0.17%0.19%0.22%-0.30%-50 bps
Return on Equity1.78%1.47%1.66%1.83%-2.52%-430 bps
Net Interest Margin2.76%2.82%2.78%2.81%2.87%+11 bps
Efficiency Ratio91.50%93.74%89.48%89.15%112.18%+2,068 bps
Non-Interest Burden2.51%2.63%2.46%2.48%3.25%+75 bps
Growth
Asset Growth (YoY)-2.13%-9.98%-5.93%-5.41%-5.51%-338 bps
Loan Growth (YoY)-2.59%-8.11%-8.14%-7.96%-10.09%-751 bps
Deposit Growth (YoY)2.73%-11.17%-6.83%-6.43%-5.81%-854 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%-0.03%0.16%0.14%0.10%+12 bps
Allowance / Loans1.66%1.70%1.74%1.78%1.81%+16 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 Capital22.50%22.97%23.45%23.98%23.91%+141 bps
Equity / Assets11.64%11.76%11.67%12.24%12.02%+38 bps
Liquidity & Funding
Loans / Deposits50.89%51.42%49.36%50.09%48.58%-231 bps
Liquid Assets / Assets6.05%7.28%7.49%7.72%7.26%+121 bps
CRE / Total Capitaln/an/an/an/an/an/an/a