United Bank Earnings and Mortgage Banking Summary
CAPITAL RATIOS AND PER SHARE DATA
15
End of Period Ratios / Values
9/30/22
12/31/22
Common Equity Tier 1 Ratio
Tier 1 Capital Ratio
12.4%
12.3%
12.4%
12.3%
Total Risk Based Capital Ratio
14.4%
14.4%
Leverage Ratio
10.7%
10.8%
Total Equity to Total Assets
15.3%
15.3%
*Tangible Equity to Tangible Assets (non-GAAP)
9.3%
9.5%
Book Value Per Share
*Tangible Book Value Per Share (non-GAAP)
*Non-GAAP measure. Refer to appendix.
$32.98
$33.52
$18.80
$19.36
Capital ratios remain significantly above regulatory "Well Capitalized" levels and exceed all internal capital
targets.
United did not repurchase any common shares during 4Q22 or 3Q22. For the full year of 2022, United
repurchased 2,259,546 common shares for $78.3 million.
As of 12/31/22, there were 4,371,239 shares available to be repurchased under the approved plan.View entire presentation