PackageTrendsPeer
Letter portraitLegal landscape

Union Community Bank FSB

Lancaster, PA · Cert 35257

FDIC · 15 branches

Q4 2018

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: Q4 2018, the quarter ended December 31, 2018, 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 Community Bank FSB

Lancaster, PA · Cert 35257

FDIC · 15 branches

Q4 2018

$553.8MAssets
$416.6MLoans
$461.7MDeposits
$88.7MEquity
Loan mix
90%RE $272.8M9%C&I $28.5M1%Consumer $1.6MQ4 2017Q4 2018
Deposit mix
76%Interest-bearing $349.5M24%Noninterest $112.2MQ4 2017Q4 2018

NIM

3.55%Q4 ’163.73%Q4 ’174.24%Q4 ’18+5%+10%

Non-interest income vs. expense

3.21%Q4 ’162.99%Q4 ’173.08%Q4 ’18-6%+2%

Market Position · Lancaster, PA · 2018 SOD (annual) · 4.2% share · #6 of 22 inst. · $0.5B of $11.1B

Executive Summary

  • Earnings: ROA of 1.07%, up 55 bps year over year; NIM at 3.76%.
  • Asset quality: problem loans at 0.42% of loans (-3 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 16.15%, up 135 bps from a year ago.
  • Funding: loans stand at 90.22% of deposits as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

1.07%+55 bps YoY

Net Interest Margin (YTD, annualized)

3.76%+35 bps YoY

Efficiency Ratio (YTD, annualized)

69.40%-439 bps YoY

Tier 1 Leverage Ratio

16.15%+135 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets0.53%1.03%1.15%1.15%1.07%+55 bps
Return on Equity3.44%7.00%7.76%7.60%7.01%+357 bps
Net Interest Margin3.42%3.61%3.79%3.85%3.76%+35 bps
Efficiency Ratio73.79%69.55%67.33%67.56%69.40%-439 bps
Non-Interest Burden2.38%2.34%2.36%2.41%2.43%+5 bps
Growth
Asset Growth (YoY)5.88%6.51%2.69%-3.18%-2.44%-832 bps
Loan Growth (YoY)22.30%16.38%5.98%-1.01%-3.71%-2,601 bps
Deposit Growth (YoY)6.03%7.49%3.04%-1.12%-3.49%-952 bps
Asset Quality
Nonperforming Loans / Loans0.45%0.42%0.42%0.41%0.42%-3 bps
Net Charge-Offs / Loans0.00%0.02%-0.02%0.00%-0.01%0 bps
Allowance / Loans1.15%1.14%1.17%1.19%1.20%+5 bps
Allowance Coverage of NPLs2.6x2.7x2.8x2.9x2.9x+0.3x
Capital
Tier 1 Leverage Ratio14.80%14.77%15.27%15.98%16.15%+135 bps
Total Risk-Based Capital19.17%19.27%20.25%21.25%21.59%+242 bps
Equity / Assets14.76%14.57%15.29%15.99%16.01%+125 bps
Liquidity & Funding
Loans / Deposits90.43%88.60%90.65%92.19%90.22%-21 bps
Liquid Assets / Assets0.24%0.39%0.36%0.28%2.50%+226 bps
CRE / Total Capitaln/an/an/an/an/an/an/a