United American Bank

United American Bank is headquartered in San Mateo and is the 127^th largest bank in the state of California. It is also the 2,436^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 52 employees at 4 locations. United American Bank has a 2-star health rating.

United American Bank Routing Number: 121143558

Data for Q1 2012

Institution Statistics United American Bank FDIC Certificate # 57447 BankRate Report View Year Established 2003 Employees 52 Primary Regulator FDIC Assets and Liabilities Assets $265.01 million Loans $180.36 million Deposits $246.66 million Equity Capital $17.31 million Loan Loss Allowance $8.59 million Unbacked Noncurrent Loans $21.60 million Real Estate Owned $3.20 million Historic Data - March 2011 Assets $301.55 million Equity Capital $12.65 million Loan Loss Allowance $11.39 million Unbacked Noncurrent Loans $35.40 million Real Estate Owned $3.26 million Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets -2.24% Return on Equity -33.41% Interest Income $2.54 million

Institution Health Overall Score: 2 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 United American Bank had $24.8 million in non-current loans and owned real-estate with $25.9 million in equity and loan loss allowances on hand to cover it. This gives United American Bank a Texas Ratio of 95.73% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for United American Bank decreased significantly from 160.82% as of March 31, 2011 to 95.73% as of March 31, 2012, resulting in a positive change of 40.48%.This indicates that the balance sheet and financial strength for United American Bank has improved significantly in recent periods. Deposit Growth In the past year, United American Bank has decreased its total deposits by -$41.27 million, resulting in -14.33% 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 United American Bank has shown is poor. 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. United American Bank has $265.01 million in assets with $25.9 million in equity, resulting in a capitalization level of 9.77%, which is average.

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