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Unionbank

Streator, IL · Cert 3744

FDIC · 22 branches

Q2 2017

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 2017, the quarter ended June 30, 2017, 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

Unionbank

Streator, IL · Cert 3744

FDIC · 22 branches

Q2 2017

$1.0BAssets
$693.0MLoans
$739.1MDeposits
$178.8MEquity
Loan mix
81%RE $393.3M18%C&I $87.4M1%Consumer $2.8MQ2 2016Q2 2017
Deposit mix
87%Interest-bearing $645.1M13%Noninterest $94.0MQ2 2016Q2 2017

NIM

3.18%Q2 ’153.25%Q2 ’160.39%Q2 ’17+5%-88%

Non-interest income vs. expense

3.67%Q2 ’153.23%Q2 ’160.32%Q2 ’17-26%-88%

Market Position · Kankakee, IL · 2017 SOD (annual) · 13.9% share · #2 of 18 inst. · $0.3B of $1.8B

13.9% Kankakee
7.9% La Salle
8.0% Grundy
8.0% Bureau

Executive Summary

  • Earnings: ROA of 0.09%, down 61 bps year over year; NIM at 0.39%.
  • Asset quality: problem loans at 0.13% of loans (+13 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.80%, down 93 bps from a year ago.
  • Funding: loans stand at 93.77% of deposits as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.09%-61 bps YoY

Net Interest Margin (YTD, annualized)

0.39%-274 bps YoY

Efficiency Ratio (YTD, annualized)

66.85%-504 bps YoY

Tier 1 Leverage Ratio

10.80%-93 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.70%0.63%0.66%0.64%0.09%-61 bps
Return on Equity5.01%4.50%4.80%4.84%0.62%-439 bps
Net Interest Margin3.13%3.08%3.09%3.16%0.39%-274 bps
Efficiency Ratio71.89%73.10%72.91%74.94%66.85%-504 bps
Non-Interest Burden1.92%1.98%1.97%2.10%0.22%-169 bps
Growth
Asset Growth (YoY)6.25%5.37%1.76%0.73%8.03%+178 bps
Loan Growth (YoY)12.07%8.91%6.17%4.07%5.30%-677 bps
Deposit Growth (YoY)2.61%7.60%3.38%-0.34%2.57%-4 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%1.16%0.13%+13 bps
Net Charge-Offs / Loans-0.01%-0.03%0.00%-0.02%0.00%+1 bps
Allowance / Loans1.36%1.35%1.30%1.30%0.00%-135 bps
Allowance Coverage of NPLsn/an/an/a1.1x0.0xn/a
Capital
Tier 1 Leverage Ratio11.73%11.82%11.14%11.44%10.80%-93 bps
Total Risk-Based Capital15.94%15.68%14.54%14.94%12.89%-305 bps
Equity / Assets14.28%13.71%13.17%13.40%17.52%+324 bps
Liquidity & Funding
Loans / Deposits91.34%87.20%92.25%94.12%93.77%+243 bps
Liquid Assets / Assets1.27%2.74%0.61%1.86%1.39%+11 bps
CRE / Total Capitaln/an/an/an/an/an/an/a