Page 1 Summary Ratios a. Evaluate ratios. How profitable is your bank compared to the PG? b. Discuss and compare your banks ROA and ROE. c. Discuss the performance of your bank based on the asset utilization ratio. d. What is your banks loan/deposit ratio? What does this tell you?

FDIC Certificate # 13421 OCC Charter #0 Public Report FRB DistrictID_RSSD 10/450856 County: LANCASTER UNION BANK AND TRUST COMPANY; LINCOLN, NE Summary Ratios--Page 1 Summary Ratios 11/30/2019 8:36:41 PM 5Q Trend 9/30/2019 3/31/2019 12/31/2018 12/31/2016 12/31/2017 BANK PG3 Earnings and Profitability BANK PG 3 PCT BANK PG 3 BANK PG 3 PCT BANK PG 3 PCT Percent of Average Assets: Interest Income (TE) 4.61 4.56 4.25 4.35 3.88 3.63 - Interest Expense 0.33 82 Net Interest Income (TE) IllL + Noninterest Income - Noninterest Expense - Provision: Loan & Lease Losses - Provision: Credit Loss Oth Assets Pretax Operating Income (TE) + Realized Gains/Losses Sec + Unrealized Gains / Losses Equity Sec )