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REGULATION F
FINANCIAL HIGHLIGHTS
12/31/2011
 
     
CAPITAL UBB WELL
CAPITALIZED
PER REG. F
     
Leverage Ratio 8.98 %
  5.00%
Tier 1 Risk Based Capital Ratio 17.24 %
  6.00%
Total Risk Based Capital Ratio 18.52 %
  10.00%
     
BALANCE SHEET ITEMS   $ Stated in 000's
     
Total Assets  
  $563,707  
Total Liabilities  
  $507,648  
Quarterly Average Assets  
  $616,109  
Total Equity Capital  
  $56,059  
Allowance for Loan Losses  
  $11,412  
Total Loans (Gross)  
  $258,771  
Loan 30 Days Past Due and Over/Total Loans
  0.34%  
Non-Accrual Loans/Total Loans  
  4.05%  
     
INCOME STATEMENT ITEMS  
     
Net Income  
  $3,020  
Return on Average Assets (ROAA)
  0.50%  
Return on Equity (ROE)  
  6.83%