Peer Analysis

Performance Ratios (%) UBAB Peer Median Peer Average
ROAA 1.60 0.69 0.76
ROAE 24.08 7.07 7.30
Net Interest Margin 3.82 3.70 3.79
Efficiency Ratio 66.55 73.60 72.79
Loans / Deposits NA 68.79 70.95
Asset Quality Ratios (%)
NPAs / Assets NA 0.92 0.81
NCOs / Avg Loans 0.30 0.01 0.11
Reserves / Loans 1.04 0.97 0.98
Reserves / NPAs NA 69.00 191.77
Capital Ratios (%)
Tier 1 Capital 12.92 14.13 15.08
Tangible Equity / Tangible Assets 7.29 10.45 10.26
Total Equity / Total Assets 7.29 10.30 10.52
Market Ratios
Price / Earnings (x) NA 14.09 16.61
Price / Book (%) NA 93.66 107.82
Dividend Yield (%) 0.71 1.84 1.90
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:

Citizens Bancshares Corporation's financial data is as of 9/30/2018.
Merchants & Marine Bancorp, Inc.'s financial data is as of 9/30/2018.

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