PackageTrendsPeer
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Union State Bank

Upton, WY · Cert 522

FDIC

Q3 2006

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 2006, the quarter ended September 30, 2006, 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 State Bank

Upton, WY · Cert 522

FDIC

Q3 2006

$41.0MAssets
$14.5MLoans
$34.1MDeposits
$6.6MEquity
Loan mix
19%RE $1.1M81%C&I $4.7M0%Consumer $0.0MQ3 2005Q3 2006
Deposit mix
84%Interest-bearing $28.6M16%Noninterest $5.5MQ3 2005Q3 2006

NIM

4.69%Q3 ’041.75%Q3 ’056.52%Q3 ’06-60%+199%

Non-interest income vs. expense

2.74%Q3 ’040.93%Q3 ’052.53%Q3 ’06-82%+447%

Executive Summary

  • Earnings: ROA of 2.13%, up 186 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 42.56% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

2.13%+186 bps YoY

Net Interest Margin (YTD, annualized)

4.30%+286 bps YoY

Efficiency Ratio (YTD, annualized)

54.11%+701 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.27%0.44%2.62%2.56%2.13%+186 bps
Return on Equity1.66%2.82%18.26%17.02%13.91%+1,225 bps
Net Interest Margin1.44%1.70%4.44%4.34%4.30%+286 bps
Efficiency Ratio47.11%58.62%45.24%46.66%54.11%+701 bps
Non-Interest Burden0.39%0.79%1.91%1.79%2.16%+177 bps
Growth
Asset Growth (YoY)17.59%82.73%92.64%63.68%53.32%+3,573 bps
Loan Growth (YoY)139.80%246%246%152.98%-6.83%-14,663 bps
Deposit Growth (YoY)8.21%78.86%84.89%74.22%65.09%+5,688 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.56%-0.50%-0.03%-0.01%-0.01%+56 bps
Allowance / Loans1.24%1.05%1.06%1.41%1.68%+44 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 Capital29.19%12.55%17.35%24.90%27.75%-144 bps
Equity / Assets22.55%14.31%14.44%16.38%16.10%-645 bps
Liquidity & Funding
Loans / Deposits75.42%64.43%63.07%52.18%42.56%-3,286 bps
Liquid Assets / Assets8.59%2.58%0.00%0.00%0.00%-859 bps
CRE / Total Capitaln/an/an/an/an/an/an/a