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Union National Community Bank

Mount Joy, PA · Cert 7635

FDIC

Q1 2011

$454.6MAssets
$317.2MLoans
$395.4MDeposits
$39.4MEquity
Loan mix
86%RE $235.1M12%C&I $32.6M2%Consumer $4.8MQ1 2010Q1 2011
Deposit mix
82%Interest-bearing $324.6M18%Noninterest $70.8MQ1 2010Q1 2011

NIM

4.86%Q1 ’094.49%Q1 ’104.45%Q1 ’11+13%+18%

Non-interest income vs. expense

3.18%Q1 ’093.22%Q1 ’103.65%Q1 ’11-1%+19%

Executive Summary

  • Earnings: ROA of 0.22%, up 14 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.71%.
  • Funding: loans stand at 80.21% of deposits as of Q1 2011.

Financial Results

Return on Assets (quarter, annualized)

0.22%+14 bps YoY

Net Interest Margin (quarter, annualized)

3.20%+48 bps YoY

Efficiency Ratio (quarter, annualized)

89.45%+23 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2010Q2 2010Q3 2010Q4 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets0.08%1-0.72%0.21%1-0.70%0.22%+14 bps
Return on Equity0.92%-8.87%2.52%-8.10%2.56%+164 bps
Net Interest Margin2.71%2.81%3.02%3.29%3.20%+48 bps
Efficiency Ratio89.21%90.54%95.79%90.04%89.45%+23 bps
Non-Interest Burden2.32%2.46%2.86%2.85%2.77%+44 bps
Growth
Asset Growth (YoY)-2.19%-2.75%-6.51%-8.63%-8.77%-658 bps
Loan Growth (YoY)-6.53%-4.92%-3.87%-3.83%-4.76%+177 bps
Deposit Growth (YoY)2.29%-2.83%-4.10%-4.37%-5.23%-752 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.43%0.76%0.09%1.97%0.71%+28 bps
Allowance / Loans1.80%1.80%1.93%2.00%1.97%+17 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 Capital12.72%12.94%13.33%12.91%13.43%+71 bps
Equity / Assets8.27%8.02%8.68%8.62%8.66%+39 bps
Liquidity & Funding
Loans / Deposits79.81%80.40%82.72%84.19%80.21%+40 bps
Liquid Assets / Assets11.74%13.12%9.57%8.69%14.44%+270 bps
CRE / Total Capitaln/an/an/an/an/an/an/a