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Unified Trust Company, National Association

Lexington, KY · Cert 35534

FDIC

Q2 2020

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 2020, the quarter ended June 30, 2020, 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

Unified Trust Company, National Association

Lexington, KY · Cert 35534

FDIC

Q2 2020

$17.8MAssets
n/aLoans
n/aDeposits
$12.3MEquity

NIM

0.44%Q2 ’180.76%Q2 ’190.43%Q2 ’20+82%-42%

Non-interest income vs. expense

227%Q2 ’18224%Q2 ’19179.76%Q2 ’20-16%+6%

Executive Summary

  • Earnings: ROA of 32.55%, up 23 bps year over year; NIM at 0.43%.
  • Capital: tier 1 leverage ratio of 84.91%, down 998 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

32.55%+23 bps YoY

Net Interest Margin (YTD, annualized)

0.43%-31 bps YoY

Efficiency Ratio (YTD, annualized)

82.16%-219 bps YoY

Tier 1 Leverage Ratio

84.91%-998 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets32.32%34.05%35.27%32.34%32.55%+23 bps
Return on Equity49.46%49.89%55.39%54.90%52.08%+262 bps
Net Interest Margin0.74%0.62%0.54%0.63%0.43%-31 bps
Efficiency Ratio84.35%83.28%82.35%82.82%82.16%-219 bps
Non-Interest Burden-40.85%-42.11%-37.63%-32.23%-38.60%+225 bps
Growth
Asset Growth (YoY)5.13%6.96%9.72%10.77%14.80%+967 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio94.89%102.53%61.50%63.96%84.91%-998 bps
Total Risk-Based Capital85.01%86.62%53.65%63.96%84.91%-9 bps
Equity / Assets74.53%76.22%48.64%72.19%69.52%-501 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/a
Liquid Assets / Assets10.08%9.12%8.06%12.13%10.34%+26 bps
CRE / Total Capitaln/an/an/an/an/an/an/a