Investor Presentaiton
Tidelands Bancshares - Historical Financial Summary
U United
UNITED
COMMUNITY BANKS, INC.
Dollar Values in Millions
Balance Sheet
Total Assets
Net Loans
Deposits
Gross Loans / Deposits
Capital
Total Equity
2012
For the Year Ended,
2013
2014
2015
$527
$487
$476
$466
333
325
313
320
451
437
428
421
75%
76%
74%
77%
$10
$5
$5
$2
Total Common Equity
(4)
(9)
(9)
(13)
Tangible Equity / Tangible Assets
1.93%
1.02%
1.12%
0.42%
Tangible Common Equity / Tangible Assets
(0.76%)
(1.95%)
(1.91%)
(2.68%)
Leverage Ratio
2.57%
2.25%
1.81%
0.84%
Tier 1 Capital Ratio
3.48%
3.05%
2.45%
1.10%
Total Capital Ratio
6.96%
6.10%
4.91%
2.20%
Earnings & Profitability
Net Income
Provision Expense
ROAA
ROAE
($3.2)
($1.0)
($0.4)
3.0
0.4
(0.59%)
(0.20%)
(23.67%)
(13.71%)
(7.08%)
0.1
(0.09%)
(0.38%)
(44.49%)
($1.8)
1.2
Net Interest Margin
2.74%
2.80%
2.97%
2.85%
Non-Int Inc. Avg. Assets
0.23%
0.22%
0.24%
0.29%
Non. Int. Exp. Avg. Assets
2.16%
2.39%
2.52%
2.94%
Efficiency Ratio
89.0%
97.0%
97.1%
106.0%
Asset Quality
NPLs / Loans
NPAs Assets (1).
Reserves / NPLs
Reserves / Loans
NCOS / Average Loans
Yield and Cost
Yield on Loans
15.68%
8.17%
4.90%
4.98%
8.72%
6.74%
5.13%
4.40%
12.62%
22.27%
30.49%
25.01%
1.98%
1.82%
1.49%
1.24%
1.83%
0.33%
0.41%
0.59%
5.11%
4.96%
4.91%
4.83%
4.28%
4.08%
4.20%
4.06%
1.16%
0.95%
0.91%
0.89%
1.47%
1.23%
1.18%
1.17%
Yield on Earning Assets
Cost of Deposits
Cost of Interest Bearing Liabilities
(1) NPAs/Assets = (nonaccrual loans + OREO) / total assets
Sources: SNL Financial; Tidelands Bancshares, Inc. 10-K as of December 31, 2015
ucbi.com | 14View entire presentation