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Union Bank of Chandler

Chandler, OK · Cert 4057

FDIC

Q3 2010

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: Q3 2010, the quarter ended September 30, 2010, 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 Bank of Chandler

Chandler, OK · Cert 4057

FDIC

Q3 2010

$132.1MAssets
$91.3MLoans
$115.8MDeposits
$15.3MEquity
Deposit mix
86%Interest-bearing $99.9M14%Noninterest $15.9MQ3 2009Q3 2010

NIM

6.47%Q3 ’085.28%Q3 ’094.95%Q3 ’10+1%+0%

Non-interest income vs. expense

2.44%Q3 ’082.61%Q3 ’092.52%Q3 ’10+10%-7%

Executive Summary

  • Earnings: ROA of 2.02%, up 59 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 78.90% of deposits as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

2.02%+59 bps YoY

Net Interest Margin (YTD, annualized)

4.08%+1 bps YoY

Efficiency Ratio (YTD, annualized)

56.58%-309 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q2 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets1.43%1.58%1.74%1.98%2.02%+59 bps
Return on Equity14.52%15.97%17.16%19.39%19.15%+462 bps
Net Interest Margin4.07%4.15%4.20%4.17%4.08%+1 bps
Efficiency Ratio59.67%58.08%60.09%58.12%56.58%-309 bps
Non-Interest Burden2.30%2.28%2.41%2.26%2.15%-16 bps
Growth
Asset Growth (YoY)-1.04%2.23%6.94%9.81%5.09%+613 bps
Loan Growth (YoY)-2.11%-4.32%-3.18%6.32%7.70%+982 bps
Deposit Growth (YoY)-2.35%1.76%5.73%8.87%3.11%+545 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.08%0.03%0.02%0.04%-6 bps
Allowance / Loans1.52%1.56%1.60%1.52%1.48%-4 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 Capital15.17%15.07%15.47%15.00%15.38%+22 bps
Equity / Assets10.31%9.95%10.32%10.32%11.57%+126 bps
Liquidity & Funding
Loans / Deposits75.54%73.14%72.26%72.75%78.90%+337 bps
Liquid Assets / Assets0.02%2.34%3.10%2.99%1.57%+155 bps
CRE / Total Capitaln/an/an/an/an/an/an/a