UniBank

16929 Highway 99, Suite 110
Lynnwood, WA 98037
425-275-9700
www.unibankusa.com

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UniBank is headquartered in Lynnwood and is the 40^th largest bank in the state of Washington. It is also the 3,611^st largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 44 employees at 3 locations. UniBank's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

UniBank Routing Number: 125108861

5.65% 3-Month / 5.65% 6-Month CD at a WA State Bank - Available Nationally (UniBank). - 8/18/2007

Update 9/4/07: Rates have recently gone down: 5.45% APY 3-month, 5.35% APY 6-month and 12-month. Please check bank's website for latest rates.UniBank is offering a yield of 5.65% APY for certificate of deposit terms of 3 and 6 months. The 12-month CD has...

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See Rates for: Checking | Savings | Money Market | CD | IRA

UniBank Checking Account Rates

Apy	Min	Max	Product
0.50%	$2,500	-	Personal Interest Checking (NOW)
0.50%	$2,500	-	Business Interest Checking
0.50%	$2,500	-	Super Now Account (Sole Proprietorship)
0.50%	$2,500	-	Super Now Account (Non-Profit Corporations only)

UniBank Savings Account Rates

Apy	Min	Max	Product
0.50%	$100	-	Personal Regular Savings
0.50%	$50	-	Junior Savings
0.50%	$500	-	Business Regular Savings
0.50%	$100	-	Health Saving Account (HSA)

UniBank Money Market Rates

Apy	Min	Max	Product
0.75%	$100k	-	Personal Money Market
0.75%	$100k	-	Business Money Market

UniBank CD Rates

Apy	Min	Max	Product
1.75%	$1k	-	60 Month CD
1.50%	$1k	-	48 Month CD
1.25%	$1k	-	36 Month CD
1.00%	$1k	-	24 Month CD
0.75%	$1k	-	12 Month CD
0.75%	$1k	-	18 Month CD
0.75%	$50k	$220k	24 Month FLEX CD
0.50%	$1k	-	6 Month CD
0.50%	$50k	$220k	12 Month FLEX CD
0.25%	$1k	-	3 Month CD

UniBank IRA Rates

Apy	Min	Max	Product
0.50%	$1k	-	12 Month IRA
0.50%	$1k	-	12 Month Roth IRA
0.25%	$1k	-	6 Month IRA
0.25%	$1k	-	6 Month Roth IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

UniBank
FDIC Certificate #	58407
BankRate Report	View
Year Established	2006
Employees	44
Primary Regulator	FDIC
Assets and Liabilities
Assets	$165.34 million
Loans	$111.48 million
Deposits	$126.71 million
Equity Capital	$29.44 million
Loan Loss Allowance	$2.20 million
Unbacked Noncurrent Loans	$1.19 million
Real Estate Owned	$2.42 million
Historic Data - March 2011
Assets	$145.13 million
Equity Capital	$22.65 million
Loan Loss Allowance	$1.80 million
Unbacked Noncurrent Loans	$797,000
Real Estate Owned	$51,000
Profit Margin - Quarterly
Net Interest Margin	3.73%
Return on Assets	0.77%
Return on Equity	4.33%
Interest Income	$1.99 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 UniBank had $3.62 million in non-current loans and owned real-estate with $31.64 million in equity and loan loss allowances on hand to cover it. This gives UniBank a Texas Ratio of 11.43% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for UniBank held steady from 7.23% as of March 31, 2011 to 11.43% as of March 31, 2012, resulting in a negative change of 57.95%. This indicates that the balance sheet and financial strength for UniBank has held steady in recent periods.
Deposit Growth
In the past year, UniBank has increased its total deposits by $13.28 million, resulting in 11.71% 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 UniBank 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. UniBank has $165.34 million in assets with $31.64 million in equity, resulting in a capitalization level of 19.13%, which is excellent.