As We Reach Out To New Heights, 
Our Pledge Is To Continue  
Earning The Respect ... 
  • of our Shareholders, through the continued growth in Shareholder Value: 
  • of our Customers, through providing quality Hometown Banking Servie; 
  • of our Communities, through support of civic projects that make our communities better places to live and work; 
  • of our Bank Team Members, through career growth opportunities in a comfortable environment with modern equipment.
 
Table of Contents 
 
Letter from the Chairman/President/CEO 

Corporate Profile 

Financial Highlights 

Shareholder Information 

Management's Discussion & Analysis 

Report of Independent Auditors 

Consolidated Balance Sheets 

Consolidated Statements of Income 

Consolidated Statements of Shareholders' Equity 

Consolidated Statements of Cash Flows 

Notes to the Consolidated Financial Statements 

Directors and Officers of United Bancorp, Inc. 
and Its Subsidiaries 


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