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Tipp City Office

Unity National Bank

1176 West Main Street
Tipp City, OH 45371
Phone: 937-667-4888
Fax: 937-667-1779

Lobby Hours:

MONDAY - THURSDAY: 9am - 5pm
FRIDAY: 9am - 6pm
SATURDAY: 9am - 12pm
SUNDAY: Closed

Drive-Thru Hours:

MONDAY - THURSDAY: 9am - 5pm
FRIDAY: 9am - 6pm
SATURDAY: 9am - 12pm
SUNDAY: Closed

Get Directions Set as Default Location
Investor Relations

Financial Highlights

Financial Highlights
2018 FQ1 YTD
3/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 7,518,970 7,537,620 7,467,586 7,311,354 7,001,199
Total Net Loans 5,243,380 5,322,495 5,221,233 5,011,591 4,775,330
Total Deposits 6,084,294 5,817,326 5,521,956 5,347,642 5,128,000
Equity Attributable to Parent Company 752,774 756,101 742,240 713,355 696,541
Total Equity 752,774 756,101 742,240 713,355 696,541
Profitability (%)
Net Income($000) 31,123 84,242 86,135 81,012 83,957
Net Income Attributable to Parent($000) 31,123 84,242 86,135 81,012 83,957
ROAA 1.67 1.09 1.16 1.11 1.22
Core ROAA 1.62 1.07 1.21 1.10 1.23
ROAE 16.61 11.15 11.68 11.40 12.34
ROATCE 18.38 12.33 12.94 12.70 13.81
Core ROAE 16.09 11 12.16 11.28 12.45
Net Interest Margin 3.82 3.48 3.52 3.39 3.55
Reported: Net Interest Margin 3.87 3.48 3.52 3.39 3.55
Efficiency Ratio 57.61 61.06 60.43 60.78 61.92
Noninterest Inc/ Operating Rev 24.96 25.70 24.67 25.06 24.65
Balance Sheet Ratios (%)
Loans/ Deposits 86.87 92.28 95.28 94.64 94.08
Securities/ Assets 19.48 20.07 21.16 22.49 21.44
Total Equity/ Total Assets 10.01 10.03 9.94 9.76 9.95
Tangible Equity/ Tangible Assets 9.14 9.16 9.06 8.86 9.01
Tang Common Equity/ Tang Assets 9.14 9.16 9.06 8.86 9.01
Asset Quality (%)
NPAs/ Assets 1.30 1.48 1.61 1.91 1.99
NPA Excl Restructured/ Assets 1.05 1.21 1.36 1.57 1.76
NPAs & 90+ PD/ Assets 1.32 1.50 1.63 1.93 2.03
NPAs/ Loans & REO 1.84 2.06 2.27 2.74 2.87
Nonaccrual & 90+ & OREO/ Assets 1.07 1.23 1.39 1.59 1.79
NPAs & 90+ PD/ Loans & REO 1.87 2.10 2.31 2.78 2.92
NPA & Loans 90+/ Tangible Common Equity + LLR 13.59 15.40 16.93 20.28 20.91
NCOs/ Avg Loans 0.10 0.17 0.02 0.06 (0.05)
Loan Loss Reserves/ Gross Loans 0.93 0.93 0.96 1.11 1.13
Reserves/ NPAs 50.10 44.95 42.21 40.49 39.03
Loan Loss Provision/ NCO 20.33 93.08 NM 175.21 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 733,081 710,221 687,651 656,664 639,339
Tier 1 Capital($000) 748,081 725,221 702,651 671,664 654,339
Tier 2 Capital($000) 49,060 50,646 81,755 87,324 NA
Total Capital($000) 797,141 775,867 784,406 758,988 739,517
Total Risk-weighted Assets($000) 5,428,323 5,487,257 5,360,462 5,238,497 4,885,274
Tier 1 Common Capital (CET1) Ratio(%) 13.50 12.94 12.83 12.54 13.09
Tier 1 Ratio(%) 13.78 13.22 13.11 12.82 13.39
Total Capital Ratio(%) 14.68 14.14 14.63 14.49 15.14
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.07 9.44 9.56 9.22 9.25
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 15,301,103 15,288,194 15,340,718 15,330,815 15,392,399
Avg Diluted Shares(actual) 15,431,328 15,390,352 15,405,160 15,404,740 15,413,832
Basic Book Value per Share 49.20 49.46 48.38 46.53 45.25
As-reported Book Value per Share 49.20 49.46 48.38 46.53 45.25
Basic Tangible Book Value per Share 44.47 44.73 43.67 41.81 40.55
Reported: Tangible Book Value 44.47 44.73 43.67 41.81 40.55
Common Dividends Declared per Share 0.94 3.76 3.76 3.76 3.76
EPS after Extra 2.02 5.47 5.59 5.26 5.45
EPS after Extra Growth(%) 54.20 (2.10) 6.30 (3.50) 9.20
Core EPS 1.96 5.40 5.82 5.20 5.50
Core EPS Growth(%) 49.40 (7.30) 12 (5.40) 9.90
Diluted EPS before Amortization 2.02 5.47 5.59 5.26 5.45
Pre-Provision Earnings per Share 1.86 5.26 5.20 4.94 4.82
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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