Peer Analysis

Performance Ratios (%) UBAB Peer Median Peer Average
ROAA 1.35 0.66 0.56
ROAE 20.82 6.66 5.27
Net Interest Margin NA 3.71 3.77
Efficiency Ratio 68.84 71.83 73.14
Loans / Deposits 71.03 72.59 70.33
Asset Quality Ratios (%)
NPAs / Assets NA 0.67 0.63
NCOs / Avg Loans 0.23 0.03 0.10
Reserves / Loans 1.05 0.99 0.99
Reserves / NPAs NA 92.78 212.80
Capital Ratios (%)
Tier 1 Capital 12.74 14.55 15.14
Tangible Equity / Tangible Assets 6.92 10.45 10.02
Total Equity / Total Assets 6.92 10.12 10.27
Market Ratios
Price / Earnings (x) 6.30 14.37 13.49
Price / Book (%) 120.32 97.86 107.98
Dividend Yield (%) 0.70 1.84 1.86
Data for trailing four quarters

United Bancorporation of Alabama, Inc.'s peer group consists of the following: Auburn National Bancorporation, Inc. (AUBN), Citizens Bancshares Corporation (CZBS), First Farmers and Merchants Corporation (FFMH), First US Bancshares, Inc. (FUSB), Merchants & Marine Bancorp, Inc. (MNMB), Pinnacle Bancshares, Inc. (PCLB), SouthCrest Financial Group, Inc. (SCSG), Southern Community Bancshares, Inc. (SCBS)

United Bancorporation of Alabama, Inc.'s financial data is as of 9/30/2018.

Peer financial data is as of 9/30/2018

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