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Union Bank&Savings Co.

Bellevue, OH · Cert 740

FDIC

Q2 1996

$99.4MAssets
$60.5MLoans
$89.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.22%, up 10 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 67.47% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

1.22%+10 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996YoY ΔTrend
Earnings
Return on Assets1.07%1.10%1.12%1.12%1.22%1.20%1.24%1.22%+10 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a3.21%0.87%3.95%7.61%8.28%9.15%+827 bps
Loan Growth (YoY)n/an/a3.95%-2.64%-0.32%-1.04%-0.18%2.06%+471 bps
Deposit Growth (YoY)n/an/a2.83%1.58%3.24%8.27%7.99%9.36%+778 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits75.43%75.36%71.02%72.29%72.83%68.88%65.65%67.47%-482 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a