United Community Bank (19459)

United Community Bank (19459) is headquartered in Chatham and is the 42^nd largest bank in the state of Illinois. It is also the 684^th largest bank in the nation. It was established in 1965 and as of March of 2012, it had grown to 266 employees at 18 locations. United Community Bank (19459) has a 5-star health rating.

Data for Q1 2012

Institution Statistics United Community Bank FDIC Certificate # 19459 BankRate Report View Year Established 1965 Employees 266 Primary Regulator FDIC Assets and Liabilities Assets $963.51 million Loans $507.50 million Deposits $749.06 million Equity Capital $109.76 million Loan Loss Allowance $7.18 million Unbacked Noncurrent Loans $2.41 million Real Estate Owned $2.05 million Historic Data - March 2011 Assets $835.73 million Equity Capital $74.95 million Loan Loss Allowance $6.91 million Unbacked Noncurrent Loans $2.24 million Real Estate Owned $2.78 million Profit Margin - Quarterly Net Interest Margin 2.94% Return on Assets 2.54% Return on Equity 22.77% Interest Income $8.83 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 United Community Bank (19459) had $4.46 million in non-current loans and owned real-estate with $116.94 million in equity and loan loss allowances on hand to cover it. This gives United Community Bank (19459) a Texas Ratio of 3.81% 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 United Community Bank (19459) decreased slightly from 6.09% as of March 31, 2011 to 3.81% as of March 31, 2012, resulting in a positive change of 37.38%.This indicates that the balance sheet and financial strength for United Community Bank (19459) has improved slightly in recent periods. Deposit Growth In the past year, United Community Bank (19459) has increased its total deposits by $121.74 million, resulting in 19.41% 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 United Community Bank (19459) 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. United Community Bank (19459) has $963.5 million in assets with $116.94 million in equity, resulting in a capitalization level of 12.14%, which is excellent.

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