Union Bankshares, Inc. · NASDAQ:UNB
Union Bankshares — Shareholder Meeting (May 2006)
10 slides from Union Bankshares's shareholder meeting presentation, May 19, 2006
Slide 1: Annual Meeting, Thursday May 18, 2006
[A UNION CP BANKsuancs _y COMPANY Annual Meeting Thursday May 18", 2006
Slide 2: Revenue Composition
($in thousands) Revenue Composition 2001 2002 2003 2004 2005 TI Net Interest Income. GNon-Interest Income] Chart 1
Slide 3: Net Interest Income (TE) and Average Earning Assets
Net Interest Income (TE) and Average Earning Assets 30,000 26,000 20,000 15,000 (Sin thousands) 10,000 5,000 2001 2002 20032004 2008 TaAverage Eaming Assets «Net Interest income] Chart 2
Slide 4: Loan Yield
{Sin millions) 400 300 200 100 Loan Yield 2001 2002-2003 20042005 Average Loans Loan Yield Loan Yield Chart 3
Slide 5: Average Loan Balances & Yield by Category - 2005
(Sin thousands) Average Loan Balances & Yield by Category - 2005 Cn Crnsmortoa Saree 250,000 200,000 100,000 Residential RIE Commercial RIE Commercial Average Balance Chart 4
Slide 6: Loan Mix — 2005 Peer Comparative
Loan Mix — 2005 Peer Comparative Select Maine Peer Group Union Bankshares Company Herecsty oer Chart 5
Slide 7: Non-Interest Income
($ in thousands) Non-Interest Income 6,000 5,500 5,000 4,800 4,000 3,00 3,000 2,500 2,000 2000 2001 2002 Refinance boom 6,500 2002 to 2003. (Outsourcing of Merchant Bankcard processing 2003 2004 2005 [other Non-nterest Income Bankcard Income O Mortgage Banking Income] Chart 6
Slide 8: Non-Interest Expense to Average Assets
Non-Interest Expense to Average Assets Chart 7
Slide 9: Forward Looking Statements
Forward Looking Statements ‘This seleae contains forwarhlooking statements” wich may be wenlfed ly he we of such wos ae ‘believe," “expect.” “anticipate” “should. “planned. "“estimeted” al “peteatial” Essunpes of fexwucdooking atementsincinde, but are not luted to, estimates with respect to oe ined
Slide 10: Annual Meeting, Thursday May 18, 2006
[A UNION CP BANKsuancs _y COMPANY Annual Meeting Thursday May 18", 2006