Peer Analysis

Performance Ratios (%) UBAB Peer Median Peer Average
ROAA 1.59 0.88 0.87
ROAE 23.92 8.91 8.33
Net Interest Margin 3.82 3.63 3.79
Efficiency Ratio 70.71 74.49 71.80
Loans / Deposits 71.51 71.77 72.86
Asset Quality Ratios (%)
NPAs / Assets NA 0.57 0.66
NCOs / Avg Loans 0.27 0.06 0.13
Reserves / Loans 1.07 0.96 0.96
Reserves / NPAs NA 112.43 182.31
Capital Ratios (%)
Tier 1 Capital 12.92 14.31 15.03
Tangible Equity / Tangible Assets 7.31 10.38 10.38
Total Equity / Total Assets 7.31 10.58 10.71
Market Ratios
Price / Earnings (x) 4.98 12.13 14.24
Price / Book (%) 106.41 90.33 98.48
Dividend Yield (%) 0.74 2.25 2.05
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 12/31/2018.

Peer financial data is as of 12/31/2018 except for these companies:

First US Bancshares, Inc.'s financial data is as of 12/31/2018.
Citizens Bancshares Corporation's financial data is as of 12/31/2018.
Merchants & Marine Bancorp, Inc.'s financial data is as of 12/31/2018.

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