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Union Bank, The

Marksville, LA · Cert 8800

FDIC · 8 branches

Q3 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: Q3 2019, the quarter ended September 30, 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 2026-10-11

Union Bank, The

Marksville, LA · Cert 8800

FDIC · 8 branches

Q3 2019

$256.9MAssets
$185.8MLoans
$203.4MDeposits
$28.8MEquity
Loan mix
82%RE $118.5M9%C&I $13.5M8%Consumer $12.0MQ3 2018Q3 2019
Deposit mix
70%Interest-bearing $143.1M30%Noninterest $60.3MQ3 2018Q3 2019

NIM

4.53%Q3 ’174.58%Q3 ’184.82%Q3 ’19+1%+4%

Non-interest income vs. expense

2.94%Q3 ’172.92%Q3 ’182.92%Q3 ’19-1%-1%

Market Position · Alexandria, LA · 2019 SOD (annual) · 1.2% share · #12 of 14 inst. · $0.0B of $2.4B

29.3% Avoyelles
1.2% Rapides

Executive Summary

  • Earnings: ROA of 1.10%, up 1 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 2.63% of loans (+86 bps YoY), with net charge-offs at 0.32%.
  • Capital: tier 1 leverage ratio of 10.96%, up 141 bps from a year ago.
  • Funding: loans stand at 91.33% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

1.10%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.96%+16 bps YoY

Efficiency Ratio (YTD, annualized)

63.89%-265 bps YoY

Tier 1 Leverage Ratio

10.96%+141 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets1.09%1.13%1.44%1.27%1.10%+1 bps
Return on Equity12.10%12.33%14.26%12.25%10.44%-166 bps
Net Interest Margin3.80%3.84%3.97%3.93%3.96%+16 bps
Efficiency Ratio66.54%66.61%60.44%64.30%63.89%-265 bps
Non-Interest Burden2.33%2.35%2.16%2.31%2.30%-2 bps
Growth
Asset Growth (YoY)1.78%-1.04%-3.89%-3.39%-4.53%-631 bps
Loan Growth (YoY)-1.47%-0.19%1.81%3.74%1.78%+326 bps
Deposit Growth (YoY)2.70%-2.31%-5.98%-5.91%-7.48%-1,018 bps
Asset Quality
Nonperforming Loans / Loans1.76%1.77%1.98%1.51%2.63%+86 bps
Net Charge-Offs / Loans0.08%0.07%-0.25%-0.07%0.32%+24 bps
Allowance / Loans0.68%0.67%0.73%0.70%0.70%+2 bps
Allowance Coverage of NPLs0.4x0.4x0.4x0.5x0.3x-0.1x
Capital
Tier 1 Leverage Ratio9.54%9.85%10.42%10.73%10.96%+141 bps
Total Risk-Based Capital14.89%16.58%15.36%16.07%15.51%+62 bps
Equity / Assets9.47%9.78%10.46%10.77%11.23%+176 bps
Liquidity & Funding
Loans / Deposits83.02%82.33%86.94%88.90%91.33%+831 bps
Liquid Assets / Assets5.17%4.84%2.38%2.02%2.08%-309 bps
CRE / Total Capitaln/an/an/an/an/an/an/a