UBS Bank USA

UBS Bank USA is headquartered in Salt Lake City and is the 4^th largest bank in the state of Utah. It is also the 42^nd largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 98 employees at 1 location. UBS Bank USA has a 5-star health rating.

Data for Q1 2012

Institution Statistics UBS Bank USA FDIC Certificate # 57565 BankRate Report View Year Established 2003 Employees 98 Primary Regulator FDIC Assets and Liabilities Assets $35.77 billion Loans $21.79 billion Deposits $30.85 billion Equity Capital $3.35 billion Loan Loss Allowance $14.49 million Unbacked Noncurrent Loans $493,000 Historic Data - March 2011 Assets $30.79 billion Equity Capital $2.87 billion Loan Loss Allowance $13.33 million Unbacked Noncurrent Loans $3.43 million Profit Margin - Quarterly Net Interest Margin 2.06% Return on Assets 1.39% Return on Equity 14.72% Interest Income $183.96 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 UBS Bank USA had $493,000 in non-current loans and owned real-estate with $3.37 billion in equity and loan loss allowances on hand to cover it. This gives UBS Bank USA a Texas Ratio of 0.01% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for UBS Bank USA decreased significantly from 0.12% as of March 31, 2011 to 0.01% as of March 31, 2012, resulting in a positive change of 87.69%.This indicates that the balance sheet and financial strength for UBS Bank USA has improved significantly in recent periods. Deposit Growth In the past year, UBS Bank USA has increased its total deposits by $3.28 billion, resulting in 11.89% 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 UBS Bank USA 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. UBS Bank USA has $35.77 billion in assets with $3.37 billion in equity, resulting in a capitalization level of 9.42%, which is average.

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