Peer Analysis

Performance Ratios (%) UBAB Peer Median Peer Average
ROAA 1.11 0.93 0.91
ROAE 14.47 8.95 8.59
Net Interest Margin 3.93 3.83 3.89
Efficiency Ratio 72.22 71.91 69.96
Loans / Deposits 73.64 73.89 73.71
Asset Quality Ratios (%)
NPAs / Assets NA 0.28 0.57
NCOs / Avg Loans 0.10 0.03 0.09
Reserves / Loans 1.08 1.00 0.98
Reserves / NPAs NA 163.36 233.52
Capital Ratios (%)
Tier 1 Capital 17.49 14.82 14.89
Tangible Equity / Tangible Assets 11.37 10.86 10.81
Total Equity / Total Assets 11.37 11.07 11.18
Market Ratios
Price / Earnings (x) 7.33 14.70 14.13
Price / Book (%) 99.26 103.63 107.64
Dividend Yield (%) 0.77 2.29 2.06
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 6/30/2019.

Peer financial data is as of 6/30/2019 except for these companies:

Pinnacle Bancshares, Inc.'s financial data is as of 9/30/2019.

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