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United Community Bank, N.A.

Highland Village, TX · Cert 34665

FDIC

Q3 2012

$104.6MAssets
$65.0MLoans
$93.6MDeposits
$10.7MEquity
Loan mix
53%RE $31.6M46%C&I $27.7M1%Consumer $0.8MQ3 2011Q3 2012
Deposit mix
72%Interest-bearing $67.1M28%Noninterest $26.5MQ3 2011Q3 2012

NIM

4.65%Q3 ’104.78%Q3 ’114.37%Q3 ’12+14%-7%

Non-interest income vs. expense

4.65%Q3 ’104.32%Q3 ’114.83%Q3 ’12-29%+22%

Executive Summary

  • Earnings: ROA of -0.45%, down 88 bps year over year; NIM at 3.98%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.38%.
  • Funding: loans stand at 69.48% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

-0.45%-88 bps YoY

Net Interest Margin (quarter, annualized)

3.98%-30 bps YoY

Efficiency Ratio (quarter, annualized)

110.20%+2,331 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.43%0.86%0.89%0.82%-0.45%-88 bps
Return on Equity4.59%8.84%9.06%8.15%-4.40%-899 bps
Net Interest Margin4.28%4.23%4.11%4.19%3.98%-30 bps
Efficiency Ratio86.89%87.35%81.58%81.76%110.20%+2,331 bps
Non-Interest Burden3.63%3.62%3.20%3.36%4.43%+80 bps
Growth
Asset Growth (YoY)-0.47%-0.43%3.52%3.65%2.23%+270 bps
Loan Growth (YoY)-2.19%3.50%4.17%4.82%-0.55%+164 bps
Deposit Growth (YoY)-2.01%-2.55%1.62%2.36%1.53%+355 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.25%0.78%-0.30%0.58%1.38%+113 bps
Allowance / Loans2.89%2.73%2.79%2.56%2.30%-60 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 Capital16.06%16.54%16.68%16.44%16.60%+54 bps
Equity / Assets9.64%9.73%9.99%10.13%10.27%+63 bps
Liquidity & Funding
Loans / Deposits70.93%67.81%68.92%69.82%69.48%-146 bps
Liquid Assets / Assets23.31%29.77%31.61%30.37%30.35%+704 bps
CRE / Total Capitaln/an/an/an/an/an/an/a