United National Bank Financial Statements & Health Reports

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Efficiency Ratio

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Balance Sheet Highlights

Financial Highlights	United National Bank	All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets	207,351	256,123
Total Net Loans	169,245	160,108
Total Deposits	173,042	221,413
Total Equity	27,225	27,434
Profitability
Net Income	2,015	2,812
Return on Average Assets	1	.99
Return on Average Equity	7.569	8.811
Net Interest Margin	4.418	4.031
Efficiency Ratio	58.426	72.067
Noninterest Income/Revenue	6.848	19.316
Balance Sheet Ratios
Loan-to-Deposit	97.806	70.662
Securities/Assets	.022	.165
Total Equity/Total Assets	.131	.107
Tangible Equity/Tangible Assets	.131	.105
Capital Adequacy
Tier 1 Common Capital	27,209	26,376
Tier 1 Capital	27,209	26,452
Tier 2 Capital	1,964	1,919
Total Capital	29,173	28,453
Total Risk Weighted Assets	155,754	174,280
Leverage Ratio	13.56	10.62
Common Equity Tier 1 Capital Ratio	17.47	16.191
Tier 1 Capital Ratio	17.47	16.286
Total Capital Ratio	18.73	17.433

United National Bank was established 23 years ago and is currently headquartered in Cairo, GA.

May 26 2000

Relationships	Role	Relationship Start	Relationship End

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