OptumHealth Bank, Inc.

OptumHealth Bank, Inc. is headquartered in Salt Lake City and is the 14^st largest bank in the state of Utah. It is also the 335^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 81 employees at 1 location. OptumHealth Bank, Inc.'s savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

OptumHealth Bank, Inc. Savings Account Rates

Data for Q1 2012

Institution Statistics OptumHealth Bank, Inc. FDIC Certificate # 57408 BankRate Report View Year Established 2003 Employees 81 Primary Regulator FDIC Assets and Liabilities Assets $2.13 billion Loans $125.35 million Deposits $1.59 billion Equity Capital $258.12 million Loan Loss Allowance $1.28 million Historic Data - March 2011 Assets $1.65 billion Equity Capital $195.60 million Loan Loss Allowance $319,000 Unbacked Noncurrent Loans $44,000 Profit Margin - Quarterly Net Interest Margin 3.04% Return on Assets 2.46% Return on Equity 19.89% Interest Income $16.90 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 OptumHealth Bank, Inc. had $0 in non-current loans and owned real-estate with $259.41 million in equity and loan loss allowances on hand to cover it. This gives OptumHealth Bank, Inc. a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, OptumHealth Bank, Inc. has increased its total deposits by $335.79 million, resulting in 26.81% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth OptumHealth Bank, Inc. has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. OptumHealth Bank, Inc. has $2.13 billion in assets with $259.41 million in equity, resulting in a capitalization level of 12.20%, which is excellent.

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