Slide 1: 2015 Shareholders' Meeting
2015 Shareholders’ Meeting April 23, 2015 & Uni BANCORP ~~ S
Slide 2: Unity's Accomplishments in 2014
Unity’s Accomplishments in 2014 Total Assets — 9.5% increase Total Loans — 12.2% increase + 10.6%6increasein commercial loans + 21.3% increase in mortgage loans + 28.1%increasein consumer loans ‘Noninterest-bearing deposits up 12.2% Reported earnings of $6.4 milion to common stockholders, a 55.3% in
Slide 3: Unity's 2014 Highlights
Unity’s 2014 Highlights | Record Commercial Loan growth * Significant growth in Residential Mortgage Division * Rollout of construction lending product * Continued improvement in deposit product mix * Capital raise of $6.3 million oversubscribed —
Slide 4: Strategic Goals
Strategic Goals + To grow our business relationships by being a responsive bank, providing excellent service with flexible terms and conditions — 10% loan growth + Expand the Mortgage Division -Target 15% growth rate in purchased transactions + Expansion of SBADivision — Increase 7A Volume to $30 mi
Slide 5: Bank Franchise
Slide 6: Attractive Market Area
Attractive Market Area, “+ High nowsshoa income in our market counties restive tothe State of New Jersey and the ‘tonne medians “State of New Jersay ranks 2 inthe nation in mesin housahald income, 4°in per oapita Income, and 2 in population density “+ Withrespastto mesian nousehols income, Midslsex
Slide 7: Recent Financial Performance
Recent Financial Performance —
Slide 8: Key Bank Ratios
Key Bank Ratios For the year ended 12/31/2014 Public Banks $500 Unity _| million - $1.5 billion Return on average assets 0.70% 0.80% Retum on average equity 10.28% 7.81% Net interest margin 3.53% 3.69% Efficiency Ratio 67.90% 70.80%
Slide 9: Summary Balance Sheet
Summary Balance Sheet (dollars in itions) 2014 2013 2012 JAssets $1009] $ 921] § 620 {Total Loans 762 679 587 Deposits 794. 739 649 [Total Equity 70 57. 1B.
Slide 10: Loan Mix
Loan Mix (dollars in tions) $587 [Ee any
Slide 11: Commercial and SBA Loan Area
Commercial and SBA Loan Area (Gollarsin thousands) OO) sa0900 ‘40000 ss2000
Slide 12: Mortgage Loan Originations
Mm Mortgage Loan Originations Mortgage Growth $153.7 $1336 — seas $387 $79.4 $682 si103 $526 3827 re 2013 2016 Purchases = Refinances
Slide 13: Asset Quality Continues to Improve
Asset Quality Continues to Improve 200% 426% 20% os oe : are." a ase as “TDRs = Nonperforming Loans —
Slide 14: Deposit Trend
5 Year Deposit Trend {dollars in mitions) 00 $738 sv | 200 ‘600 ‘00 200 200 ico | m0 ort m2 En a > Interestbesring deposis » Totaltime deposits » Noniterestbewing demand deposis
Slide 15: Summary Income Statement and Profitability
Summary Income Statement and Profitability (dollars in ilions) 2014 2013 [Net interest Income s 301 |S 274 Provision for Loan Losses 26 23 Nonintere st Income 67 66 Nonintere st Expense 247 24.0 Provision for Income Taxes 34 26 Net Income s 64s 54 Diluted Earnings Per Share |s ost fs 053 Return on A
Slide 16: Net Interest Income & Net Interest Margin
Net Interest Income & Net Interest Margin {dollars in tions) “Despite the intrest rate envionment, we have foousedongroing revenue.and protecting the nt interest margin
Slide 17: Strong Levels of Noninterest Income
Strong Levels of Noninterest Income {dollars in miltons) oninterestincome (excludes gains losses] on securities) 182% 5 26 170% —Norintrest Income / Revenue
Slide 18: Noninterest Income
Noninterest Income (dotiars in thousands) a2sin4| 12/31/43] [Branch fee income s 1,469] 1,506] [Service and loan fee income 1,260) 4,370) (Gain on sale of SBA loans held for sale, net 974 629 (Gain on sale of mortgage loans 4.139] 1,650] BOL income Es 247 Net security gains 433] 300 Other income 84d
Slide 19: Noninterest Expense Controls
Noninterest Expense Controls {dollars in itions) sso some - . . = ail Zz : zou * a M : om ory | 2011y | 2012y | -2013Y20rAY. i ninterest Expense —Noninterest Expense / Average Assets
Slide 20: Noninterest Expense
Noninterest Expense (dollars in thousands) 12151114) 121511143) [Compensation and benefits s 12,750 12251 Occupancy 2.478 2571 Processing and communications 2.461 2.309 Furniture and equipment 1.510] 1.478 Professional services 748| 828] Loan costs OREO expenses 4 a Deposit insurance 665 | lAdvertis
Slide 21: Profitability Progression
Profitability Progression Dita Earnings per Share $0.80 $0.60 sow les sox i ce oo > 20107 2oity 2012 | _2018y 2014y
Slide 22: Tangible Book Value Per Share
$8.00 700 Tangible Book Value Per Share
Slide 23: Market Price
Market Price s64o} fecal 2012 213 2014
Slide 24: Capital Ratios
Capital Ratios mm Unity im FDIC-Insured Commercial Banks Tier RiskBased Capital Ratio 500% soot | 500%, 000% 200 2011 2012 20122014 Leverage Ratio 120% 8.00% 400% | 0.00% 20m 201 2012 2013 2014 Total Risk-Based Capital Ratio 000% . 200% 200% 400% 000% zoo 201 2012 2019 2014 on: 24a Spt naton nee ern
Slide 25: Compelling Investment Highlights
Compelling Investment Highlights Knowledgeable and experiencedmanagement team. Attractivebranch franchise Improving bankfundamentals Positioned for economic rebound Insiderownership Consolidation of WJ Community Banks ISISISINISIS)
Slide 26: The previous slides contained data from the following sources
“The previous slides contained data from the following sources: ‘¢ FDIC-Insured Commercial Banks: “@ Obtained from FDIC gov Quarterly Banking Profile *NL