Peer Analysis

Performance Ratios (%) UBAB Peer Median Peer Average
ROAA 1.32 0.64 0.55
ROAE 20.75 5.43 5.22
Net Interest Margin NA 3.65 3.71
Efficiency Ratio 69.27 70.85 72.27
Loans / Deposits 66.41 67.83 64.59
Asset Quality Ratios (%)
NPAs / Assets NA 0.95 0.81
NCOs / Avg Loans 0.23 0.00 0.12
Reserves / Loans 1.05 1.02 1.10
Reserves / NPAs NA 47.74 139.74
Capital Ratios (%)
Tier 1 Capital NA 17.44 17.50
Tangible Equity / Tangible Assets 6.59 10.83 10.53
Total Equity / Total Assets 6.59 10.56 10.60
Market Ratios
Price / Earnings (x) 6.38 14.98 15.20
Price / Book (%) 119.05 99.16 125.16
Dividend Yield (%) 0.71 1.88 1.81
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)

United Bancorporation of Alabama, Inc.'s financial data is as of 6/30/2018.

Peer financial data is as of 6/30/2018 except for these companies:

Citizens Bancshares Corporation's financial data is as of 3/31/2018.
Merchants & Marine Bancorp, Inc.'s financial data is as of 3/31/2018.

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