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Uniti Bank

Buena Park, CA · Cert 57120

FDIC · 3 branches

Q1 2019

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: Q1 2019, the quarter ended March 31, 2019, 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 2026-10-10

Uniti Bank

Buena Park, CA · Cert 57120

FDIC · 3 branches

Q1 2019

$329.3MAssets
$278.2MLoans
$282.6MDeposits
$44.6MEquity
Loan mix
78%RE $119.2M22%C&I $33.5M0%Consumer $0.0MQ1 2018Q1 2019
Deposit mix
56%Interest-bearing $159.2M44%Noninterest $123.4MQ1 2018Q1 2019

NIM

4.01%Q1 ’174.66%Q1 ’185.26%Q1 ’19+14%+4%

Non-interest income vs. expense

3.79%Q1 ’173.73%Q1 ’183.54%Q1 ’19+7%+13%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2018 SOD (annual) · 0.1% share · #70 of 121 inst. · $0.3B of $536.2B

0.1% Los Angeles
0.1% Orange

Executive Summary

  • Earnings: ROA of 1.00%, down 10 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 0.00% of loans (-28 bps YoY), with net recoveries of 0.03%.
  • Capital: tier 1 leverage ratio of 13.14%, up 38 bps from a year ago.
  • Funding: loans stand at 98.45% of deposits as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

1.00%-10 bps YoY

Net Interest Margin (YTD, annualized)

4.32%+16 bps YoY

Efficiency Ratio (YTD, annualized)

71.08%+120 bps YoY

Tier 1 Leverage Ratio

13.14%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets1.10%1.13%1.14%1.20%1.00%-10 bps
Return on Equity8.83%9.02%9.09%9.60%7.67%-116 bps
Net Interest Margin4.15%4.06%4.10%4.03%4.32%+16 bps
Efficiency Ratio69.88%68.57%68.54%66.72%71.08%+120 bps
Non-Interest Burden2.54%2.45%2.49%2.38%2.87%+34 bps
Growth
Asset Growth (YoY)11.66%2.55%10.20%8.32%4.24%-742 bps
Loan Growth (YoY)17.03%5.21%8.82%9.91%13.40%-363 bps
Deposit Growth (YoY)9.14%1.35%10.08%7.79%5.50%-364 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.19%0.03%0.00%0.00%-28 bps
Net Charge-Offs / Loans-0.04%0.24%0.12%0.07%-0.03%+2 bps
Allowance / Loans1.47%1.32%1.27%1.24%1.23%-25 bps
Allowance Coverage of NPLs5.2x6.9x40.3xn/an/an/a
Capital
Tier 1 Leverage Ratio12.76%12.50%12.64%12.55%13.14%+38 bps
Total Risk-Based Capital17.23%17.16%17.01%17.50%17.55%+33 bps
Equity / Assets12.70%12.76%12.37%12.64%13.53%+83 bps
Liquidity & Funding
Loans / Deposits91.59%88.34%88.15%91.60%98.45%+686 bps
Liquid Assets / Assets17.96%19.19%19.47%16.59%8.50%-946 bps
CRE / Total Capitaln/an/an/an/an/an/an/a