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Union Building and Loan Savings Bank

West Bridgewater, PA · Cert 29967

FDIC · 1 branch

Q1 2019

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 2019, the quarter ended March 31, 2019, 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 Building and Loan Savings Bank

West Bridgewater, PA · Cert 29967

FDIC · 1 branch

Q1 2019

$31.0MAssets
$29.7MLoans
$20.7MDeposits
$8.0MEquity
Deposit mix
92%Interest-bearing $19.1M8%Noninterest $1.6MQ1 2018Q1 2019

NIM

4.31%Q1 ’174.52%Q1 ’184.73%Q1 ’19+4%+0%

Non-interest income vs. expense

3.28%Q1 ’173.19%Q1 ’184.84%Q1 ’19-4%+52%

Market Position · Pittsburgh, PA · 2018 SOD (annual) · 0.0% share · #41 of 48 inst. · $0.0B of $136.3B

Executive Summary

  • Earnings: ROA of -1.58%, down 211 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.90% of loans (-182 bps YoY), with net charge-offs at 1.32%.
  • Capital: tier 1 leverage ratio of 25.67%, up 80 bps from a year ago.
  • Funding: loans stand at 143.44% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

-1.58%-211 bps YoY

Net Interest Margin (YTD, annualized)

3.90%0 bps YoY

Efficiency Ratio (YTD, annualized)

120.32%+4,019 bps YoY

Tier 1 Leverage Ratio

25.67%+80 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.53%0.64%0.50%0.47%-1.58%-211 bps
Return on Equity2.14%2.58%2.03%1.89%-6.17%-832 bps
Net Interest Margin3.89%3.85%3.89%3.95%3.90%0 bps
Efficiency Ratio80.12%77.67%81.45%82.57%120.32%+4,019 bps
Non-Interest Burden3.10%2.98%3.15%3.25%4.71%+161 bps
Growth
Asset Growth (YoY)-3.95%-2.21%-1.87%-0.60%-5.23%-129 bps
Loan Growth (YoY)0.21%1.46%-0.09%-0.16%-2.01%-221 bps
Deposit Growth (YoY)-5.68%-3.29%-3.30%-6.19%-15.85%-1,017 bps
Asset Quality
Nonperforming Loans / Loans2.72%1.86%1.87%1.57%0.90%-182 bps
Net Charge-Offs / Loans0.00%-0.07%-0.05%-0.04%1.32%+132 bps
Allowance / Loans0.53%0.55%0.56%0.56%0.60%+7 bps
Allowance Coverage of NPLs0.2x0.3x0.3x0.4x0.7x+0.5x
Capital
Tier 1 Leverage Ratio24.87%24.78%25.13%25.77%25.67%+80 bps
Total Risk-Based Capital44.39%44.45%44.79%45.93%46.96%+258 bps
Equity / Assets24.61%24.60%25.55%25.33%25.92%+131 bps
Liquidity & Funding
Loans / Deposits123.18%124.04%128.09%136.20%143.44%+2,026 bps
Liquid Assets / Assets4.67%3.90%2.35%2.94%0.70%-397 bps
CRE / Total Capitaln/an/an/an/an/an/an/a