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United International Bank

Flushing, NY · Cert 57987

FDIC · 1 branch

Q3 2015

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 2015, the quarter ended September 30, 2015, 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

United International Bank

Flushing, NY · Cert 57987

FDIC · 1 branch

Q3 2015

$182.4MAssets
$147.2MLoans
$154.8MDeposits
$20.5MEquity
Loan mix
91%RE $84.9M9%C&I $8.7M0%Consumer $0.1MQ3 2014Q3 2015
Deposit mix
84%Interest-bearing $130.2M16%Noninterest $24.6MQ3 2014Q3 2015

NIM

4.25%Q3 ’133.94%Q3 ’143.67%Q3 ’15-7%-8%

Non-interest income vs. expense

3.49%Q3 ’133.49%Q3 ’143.07%Q3 ’15+0%-14%

Market Position · New York-Newark-Jersey City, NY-NJ-PA · 2015 SOD (annual) · 0.0% share · #157 of 219 inst. · $0.2B of $1502.0B

Executive Summary

  • Earnings: ROA of 0.20%, up 17 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.23%.
  • Capital: tier 1 leverage ratio of 10.59%.
  • Funding: loans stand at 95.07% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.20%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.13%-27 bps YoY

Efficiency Ratio (YTD, annualized)

90.45%-577 bps YoY

Tier 1 Leverage Ratio

10.59%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.04%0.01%-0.10%0.12%0.20%+17 bps
Return on Equity0.31%0.09%-0.87%1.09%1.81%+150 bps
Net Interest Margin3.40%3.23%3.28%3.29%3.13%-27 bps
Efficiency Ratio96.21%95.43%100.07%95.56%90.45%-577 bps
Non-Interest Burden3.26%3.07%3.27%3.13%2.80%-46 bps
Growth
Asset Growth (YoY)-10.06%0.20%8.73%12.24%8.80%+1,886 bps
Loan Growth (YoY)7.29%13.91%14.58%16.50%11.71%+442 bps
Deposit Growth (YoY)-6.89%5.98%10.13%14.54%10.38%+1,727 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.90%0.65%0.28%-0.34%-0.23%-113 bps
Allowance / Loans1.51%1.45%1.40%1.43%1.43%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a10.95%11.07%10.59%n/a
Total Risk-Based Capital16.50%16.42%15.70%15.44%15.81%-69 bps
Equity / Assets12.09%11.44%11.32%11.07%11.26%-83 bps
Liquidity & Funding
Loans / Deposits93.95%91.54%92.42%94.24%95.07%+113 bps
Liquid Assets / Assets10.78%13.57%12.49%11.73%11.99%+121 bps
CRE / Total Capitaln/an/an/an/an/an/an/a