REGULATION F FINANCIAL HIGHLIGHTS 12/31/2022 CAPITAL UBB WELL CAPITALIZED PER REG. F Leverage Ratio 11.23% 5.00% Common Equity Tier 1 Capital Ratio 13.54% 6.50% Tier 1 Risk Based Capital Ratio 13.54% 8.00% Total Risk Based Capital Ratio 14.76% 10.00% BALANCE SHEET ITEMS $ Stated in 000's Total Assets $1,239,412 Total Liabilities $1,122,481 Quarterly Average Assets $1,176,989 Total Equity Capital $116,931 Allowance for Loan Losses $11,925 Total Loans (Gross) $729,057 Loan 30 Days Past Due and Over/Total Loans 0.34% Non-Accrual Loans/Total Loans 0.01% INCOME STATEMENT ITEMS Net Income $6,962 Return on Average Assets (ROAA) 0.60% Return on Equity (ROE) 5.64%