Union Community Bank FSB

Union Community Bank FSB is headquartered in Lancaster and is the 72^nd largest bank in the state of Pennsylvania. It is also the 1,303^rd largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 130 employees at 15 locations. Union Community Bank FSB has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Union Community Bank FSB OTS # 16137 FDIC Certificate # 35257 BankRate Report View Year Established 2000 Employees 130 Primary Regulator OCC Assets and Liabilities Assets $520.64 million Loans $319.27 million Deposits $439.09 million Equity Capital $72.22 million Loan Loss Allowance $3.44 million Unbacked Noncurrent Loans $5.46 million Real Estate Owned $1.03 million Historic Data - March 2011 Assets $97.61 million Equity Capital $18.36 million Loan Loss Allowance $1.07 million Unbacked Noncurrent Loans $1.07 million Profit Margin - Quarterly Net Interest Margin 5.73% Return on Assets 1.99% Return on Equity 14.7% Interest Income $7.42 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 Union Community Bank FSB had $6.49 million in non-current loans and owned real-estate with $75.66 million in equity and loan loss allowances on hand to cover it. This gives Union Community Bank FSB a Texas Ratio of 8.58% 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 Union Community Bank FSB held steady from 5.53% as of March 31, 2011 to 8.58% as of March 31, 2012, resulting in a negative change of 55.23%. This indicates that the balance sheet and financial strength for Union Community Bank FSB has held steady in recent periods. Deposit Growth In the past year, Union Community Bank FSB has increased its total deposits by $362.19 million, resulting in 471.02% 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 Union Community Bank FSB 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. Union Community Bank FSB has $520.64 million in assets with $75.66 million in equity, resulting in a capitalization level of 14.53%, which is excellent.

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