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Income statement, United Bancorporation of Alabama Inc, fiscal years, most recent first
2011
2010
2009
2008
2007
2006
Interest income
18.3
19.2
20.8
24.5
27.2
25.1
Total interest expense
3.4
4.7
7.1
10.9
13.6
9.8
Net interest income
14.9
14.4
13.6
13.6
13.6
15.3
Loan loss provision
1.8
4.4
8.3
2.3
1.4
1.0
Net interest income after loan loss provision
13.1
10.0
5.4
11.3
12.3
14.3
Non-interest income
5.8
5.4
4.7
4.8
4.0
3.9
Non-interest expense
−17.3
−17.3
−17.3
−16.0
−15.5
−14.1
Net income before taxes
1.6
−1.9
−7.3
0.1
0.8
4.2
Provision for taxes
0.4
−1.1
−3.2
−0.5
−0.2
1.0
Minority interest & equity in affiliates
–
–
–
–
–
–
Other
0
0
0
0
0
0
Net income before extraordinary items
1.2
−0.8
−4.0
0.5
1.0
3.1
Extraordinary items
–
–
–
–
–
–
Net income
1.2
−0.8
−4.0
0.5
1.0
3.1
Basic weighted average shares (mil)
2.4
2.3
2.3
2.3
2.4
2.3
Diluted weighted average shares (mil)
2.4
2.3
2.3
2.3
2.4
2.3
Basic EPS excluding extraordinary items
0.39
−0.58
−1.99
0.23
0.44
1.34
Basic EPS, normalized
0.39
−0.58
−1.99
0.23
0.44
1.34
Balance sheet in millions of USD, fiscal years
Balance sheet, United Bancorporation of Alabama Inc, fiscal years, most recent first
2011
2010
2009
2008
2007
2006
Assets
Cash & due from banks
14.9
18.2
13.9
35.1
17.6
19.6
Other earning assets
134
149
125
200
148
140
Net loans
258
257
276
276
263
243
Property, plant & equipment
15.9
16.5
17.6
18.9
16.8
11.8
Goodwill
–
–
–
–
–
–
Intangibles
–
0
0.9
0.9
0.9
0.9
Long-term investments
–
–
–
–
–
–
Other long-term assets
–
–
–
–
–
–
Other assets
23.8
27.1
24.0
18.5
10.3
11.2
Total assets
447
467
457
550
457
426
Liabilities
Accounts payable
0.3
0.4
0.6
0.9
1.2
0.9
Payable/accrued
–
–
–
–
–
–
Accrued expenses
1.5
1.7
1.6
1.6
1.3
1.1
Total deposits
395
417
405
491
369
327
Other bearing liabilities
2.1
2.2
2.1
2.1
2.5
7.8
Short-term borrowings
–
–
–
1.9
41.2
44.4
Current portion of long-term debt
–
–
–
–
–
–
Long-term debt
10.3
10.3
10.3
10.3
10.3
14.3
Minority interest
–
–
–
–
–
–
Other liabilities
0
0
0
0
0
0
Total liabilities
410
432
419
508
425
395
Shareholders' equity
Preferred stock
10.1
10.1
10.0
10.0
0
0
Common stock
0
0
0
0
0
0
Additional paid-in capital
7.1
6.8
6.5
6.3
5.9
5.7
Retained earnings (accumulated deficit)
20.0
19.7
21.7
26.6
26.7
26.3
Treasury stock
−0.3
−0.7
−1.1
−1.2
−0.8
−0.8
Other equity
0.3
−0.4
0.4
0.5
0.1
−0.5
Total equity
37.3
35.5
37.6
42.1
31.9
30.7
Total liabilities & shareholders' equity
447
467
457
550
457
426
Cash flow statement in millions of USD, fiscal years
Cash flow statement, United Bancorporation of Alabama Inc, fiscal years, most recent first
2011
2010
2009
2008
2007
2006
Operating activities
Net income
1.2
−0.8
−4.0
0.5
1.0
3.1
Depreciation, depletion & amortization
1.0
1.2
1.3
1.4
1.2
1.2
Deferred taxes
0.4
−1.2
−2.7
−0.6
−0.5
0.2
Non-cash items
1.9
1.6
0.4
−0.7
0.3
0.4
Changes in working capital
2.4
4.4
8.3
2.5
1.8
−0.8
Cash from operations
6.9
5.1
3.2
3.1
3.9
4.1
Investing activities
Capital expenditures
−0.3
−0.1
−0.1
−3.4
−6.2
−3.2
Other investing cash flows
−9.3
9.3
−3.3
−2.5
−23.7
−53.5
Cash from investing
−9.7
9.2
−3.3
−5.9
−29.8
−56.7
Financing activities
Financing cash flow items
−21.7
12.1
−88.4
93.0
33.7
43.6
Cash dividends paid
−0.2
−0.5
−0.5
−0.7
−0.7
−0.7
Issuance (retirement) of debt, net
–
–
–
–
–
–
Other financing cash flows
0
0.3
0.2
−0.1
−4.1
9.9
Cash from financing
−21.9
11.9
−88.7
92.2
28.9
52.9
Foreign exchange effects
–
–
–
–
–
–
Net change in cash
−24.7
26.3
−88.9
89.4
2.9
0.3
Free cash flow
6.5
5.1
3.1
−0.3
−2.3
1.0
Disclaimer
The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.
This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.
QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.
Live quote provided by TradingView. Report data updated Nov 1, 2026 after market close.