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REGULATION F
FINANCIAL HIGHLIGHTS
12/31/2010
 
     
CAPITAL UBB WELL
CAPITALIZED
PER REG. F
     
Leverage Ratio 6.94 %
  5.00%
Tier 1 Risk Based Capital Ratio 13.45 %
  6.00%
Total Risk Based Capital Ratio 14.73 %
  10.00%
     
BALANCE SHEET ITEMS   $ Stated in 000's
     
Total Assets  
  $643,052  
Total Liabilities  
  $598,838  
Quarterly Average Assets  
  $682,343  
Total Equity Capital  
  $44,214  
Allowance for Loan Losses  
  $11,289  
Total Loans (Gross)  
  $273,371  
Loan 30 Days Past Due and Over/Total Loans
  0.02%  
Non-Accrual Loans/Total Loans  
  3.31%  
     
INCOME STATEMENT ITEMS  
     
Net Income  
  $909  
Return on Average Assets (ROAA)
  0.14%  
Return on Equity (ROE)  
  2.07%