PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Unified Trust Company, National Association

Lexington, KY · Cert 35534

FDIC

Q2 2020

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

Executive Summary

  • Earnings: ROA of 35.11%, down 357 bps year over year; NIM at 0.11%.
  • Capital: tier 1 leverage ratio of 84.91%, down 998 bps from a year ago.

Return on Assets (quarter, annualized)

35.11%-357 bps YoY

Net Interest Margin (quarter, annualized)

0.11%-38 bps YoY

Efficiency Ratio (quarter, annualized)

81.48%-135 bps YoY

Tier 1 Leverage Ratio

84.91%-998 bps YoY

NIM

0.37%Q2 ’180.49%Q2 ’190.11%Q2 ’20+45%-78%

Non-interest income vs. expense

229%Q2 ’18223%Q2 ’19173.81%Q2 ’20-37%+14%

Discrete quarter, annualized.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets36.12%37.85%28.48%38.69%38.36%39.36%32.34%35.11%-357 bps
Return on Equity49.19%61.06%46.82%52.00%50.86%63.95%54.90%49.63%-237 bps
Net Interest Margin0.36%0.49%0.80%0.49%0.44%0.65%0.63%0.11%-38 bps
Efficiency Ratio82.95%80.74%85.92%82.83%81.21%79.79%82.82%81.48%-135 bps
Non-Interest Burden-41.60%-48.71%-29.05%-45.84%-48.59%-46.12%-32.23%-39.41%+643 bps
Growth
Asset Growth (YoY)8.26%3.80%3.70%5.13%6.96%9.72%10.77%14.80%+967 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio90.56%69.10%67.47%94.89%102.53%61.50%63.96%84.91%-998 bps
Total Risk-Based Capital91.59%57.30%88.29%85.01%86.62%53.65%63.96%84.91%-9 bps
Equity / Assets74.66%50.56%74.23%74.53%76.22%48.64%72.19%69.52%-501 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%8.68%11.38%10.08%9.12%8.06%12.13%10.34%+26 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a