Financial Highlights

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UNITED COMMUNITY FINANCIAL CORP. (NASDAQ - UCFC)  
Select Period: Financial Charting
 2018 FQ22017 FQ2 2018 FQ1 
Period Ended6/30/20186/30/2017Y-Y Ch (%)3/31/2018 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets2,770,5582,553,5658.502,690,70711.87
Total Net Loans2,207,4821,955,24812.902,140,73512.47
Total Deposits2,135,3451,893,99312.742,066,97813.23
Equity Attributable to Parent Company301,484285,4805.61296,1957.14
Total Equity301,484285,4805.61296,1957.14
Profitability (%)   
Net Income ($000) 9,5418,18916.518,55646.05
Net Income Attributable to Parent ($000) 9,5418,18916.518,55646.05
ROAA1.401.2713  bp 1.2812  bp
Core ROAA1.401.2515  bp 1.2812  bp
ROAE12.5611.6096  bp 11.44112  bp
ROATCE13.7412.70104  bp 12.51123  bp
Core ROAE12.6011.43117  bp 11.41119  bp
Net Interest Margin3.333.44 (11)  bp 3.44 (11)  bp
Reported: Net Interest Margin3.363.46 (10)  bp 3.47 (11)  bp
Efficiency Ratio56.7354.75198  bp 60.37 (364)  bp
Noninterest Inc / Operating Rev21.2824.88 (360)  bp 20.8741  bp
Balance Sheet Ratios (%)   
Loans / Deposits99.3499.72 (38)  bp 100.78 (144)  bp
Securities / Assets12.5715.47 (290)  bp 13.30 (73)  bp
Total Equity / Total Assets10.8811.18 (30)  bp 11.01 (13)  bp
Tangible Equity / Tangible Assets10.1010.35 (25)  bp 10.20 (10)  bp
Tang Common Equity / Tang Assets10.1010.35 (25)  bp 10.20 (10)  bp
Asset Quality (%)   
NPAs / Assets1.141.47 (33)  bp 1.27 (13)  bp
NPA Excl Restructured / Assets0.570.72 (15)  bp 0.65 (8)  bp
NPAs & 90+ PD / Assets1.141.47 (33)  bp 1.27 (13)  bp
NPAs / Loans & REO1.421.90 (48)  bp 1.58 (16)  bp
Nonaccrual & 90+ & OREO / Assets0.570.72 (15)  bp 0.65 (8)  bp
NPAs & 90+ PD / Loans & REO1.421.90 (48)  bp 1.58 (16)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR10.5813.38 (280)  bp 11.67 (109)  bp
NCOs / Avg Loans0.010.03 (2)  bp 01  bp
Loan Loss Reserves / Gross Loans0.961.00 (4)  bp 1.00 (4)  bp
Reserves / NPAs67.7052.201,550  bp 63.05465  bp
Loan Loss Provision / NCO(205.97)553.95 (75,992)  bp NMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 301,591274,15410.01293,67710.78
Tier 1 Capital ($000) 301,591274,15410.01293,67710.78
Tier 2 Capital ($000) 21,40519,6608.8821,610 (3.79)
Total Capital ($000) 322,996293,8149.93315,2879.78
Total Risk-weighted Assets ($000) 2,106,3721,876,48212.252,048,17311.37
Tier 1 Common Capital (CET1) Ratio (%) 14.3214.61 (29)  bp 14.34 (2)  bp
Tier 1 Ratio (%) 14.3214.61 (29)  bp 14.34 (2)  bp
Total Capital Ratio (%) 15.3315.66 (33)  bp 15.39 (6)  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 11.1510.7639  bp 11.078  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 49,904,07449,715,0210.3849,882,4910.17
Avg Diluted Shares (actual) 49,944,00049,795,0000.3049,885,0000.47
Basic Book Value per Share6.045.745.235.946.73
As-reported Book Value per Share6.045.745.235.946.73
Basic Tangible Book Value per Share5.565.275.505.458.07
Reported: Tangible Book Value5.565.275.505.458.07
Common Dividends Declared per Share0.060.031000.060
EPS after Extra0.190.1618.750.1747.06
EPS after Extra Growth (%) 18.8045.50 (2,670)  bp 466.70 (44,792)  bp
Core EPS0.190.1618.750.1747.06
Core EPS Growth (%) 20.9047.30 (2,637)  bp 80.30 (5,937)  bp
Diluted EPS before Amortization0.190.1618.750.1747.06
Pre-Provision Earnings per Share0.180.15200.1723.53
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   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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