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REGULATION F
FINANCIAL HIGHLIGHTS
12/31/2009
 
     
CAPITAL UBB WELL
CAPITALIZED
PER REG. F
     
Leverage Ratio 6.60 %
  5.00%
Tier 1 Risk Based Capital Ratio 12.18 %
  6.00%
Total Risk Based Capital Ratio 13.44 %
  10.00%
     
BALANCE SHEET ITEMS   $ Stated in 000's
     
Total Assets  
  $539,897  
Total Liabilities  
  $496,038  
Quarterly Average Assets  
  $665,047  
Total Equity Capital  
  $43,859  
Allowance for Loan Losses  
  $7,333  
Total Loans (Gross)  
  $319,307  
Loan 30 Days Past Due and Over/Total Loans
  0.29%  
Non-Accrual Loans/Total Loans  
  2.15%  
     
INCOME STATEMENT ITEMS  
     
Net Income  
  $1,477  
Return on Average Assets (ROAA)
  0.25%  
Return on Equity (ROE)  
  3.69%