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REGULATION F
FINANCIAL HIGHLIGHTS
12/31/2012
 
     
CAPITAL UBB WELL
CAPITALIZED
PER REG. F
     
Leverage Ratio 8.77 %
  5.00%
Tier 1 Risk Based Capital Ratio 15.88 %
  6.00%
Total Risk Based Capital Ratio 17.15 %
  10.00%
     
BALANCE SHEET ITEMS   $ Stated in 000's
     
Total Assets  
  $702,581  
Total Liabilities  
  $639,700  
Quarterly Average Assets  
  $699,813  
Total Equity Capital  
  $62,881  
Allowance for Loan Losses  
  $9,402  
Total Loans (Gross)  
  $293,537  
Loan 30 Days Past Due and Over/Total Loans
  0.41%  
Non-Accrual Loans/Total Loans  
  3.47%  
     
INCOME STATEMENT ITEMS  
     
Net Income  
  $5,999  
Return on Average Assets (ROAA)
  0.95%  
Return on Equity (ROE)  
  10.70%