UNION CREDIT BANK

UNION CREDIT BANK is headquartered in Miami and is the 113^st largest bank in the state of Florida. It is also the 2,968^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 52 employees at 2 locations. UNION CREDIT BANK has a 5-star health rating.

UNION CREDIT BANK Routing Number: 066015084

Data for Q1 2012

Institution Statistics Apollo Bank FDIC Certificate # 35599 BankRate Report View Year Established 2001 Employees 52 Primary Regulator FDIC Assets and Liabilities Assets $214.19 million Loans $121.75 million Deposits $185.66 million Equity Capital $24.35 million Loan Loss Allowance $1.48 million Unbacked Noncurrent Loans $2.40 million Real Estate Owned $60,000 Historic Data - March 2011 Assets $174.85 million Equity Capital $22.19 million Loan Loss Allowance $1.26 million Unbacked Noncurrent Loans $3.15 million Real Estate Owned $997,000 Profit Margin - Quarterly Net Interest Margin 4.14% Return on Assets 0.65% Return on Equity 5.84% Interest Income $2.37 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 CREDIT BANK had $2.46 million in non-current loans and owned real-estate with $25.83 million in equity and loan loss allowances on hand to cover it. This gives UNION CREDIT BANK a Texas Ratio of 9.52% 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 CREDIT BANK decreased significantly from 17.67% as of March 31, 2011 to 9.52% as of March 31, 2012, resulting in a positive change of 46.12%.This indicates that the balance sheet and financial strength for UNION CREDIT BANK has improved significantly in recent periods. Deposit Growth In the past year, UNION CREDIT BANK has increased its total deposits by $44.38 million, resulting in 31.41% 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 CREDIT BANK 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 CREDIT BANK has $214.19 million in assets with $25.83 million in equity, resulting in a capitalization level of 12.06%, which is excellent.

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