United Community Bank

United Community Bank is headquartered in Lawrenceburg and is the 27^th largest bank in the state of Indiana. It is also the 1,408^th largest bank in the nation. It was established in 1914 and as of September of 2011, it had grown to 111 employees at 9 locations. United Community Bank has a 3-star health rating.

United Community Bank Routing Number: 274970584

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Data for Q3 2011

Institution Statistics United Community Bank OTS # 03767 FDIC Certificate # 29620 BankRate Report View Year Established 1914 Employees 111 Primary Regulator OCC Assets and Liabilities Assets $475.83 million Loans $284.72 million Deposits $417.93 million Equity Capital $51.41 million Loan Loss Allowance $3.86 million Unbacked Noncurrent Loans $14.23 million Real Estate Owned $376,000 Historic Data - September 2010 Assets $496.87 million Equity Capital $50.48 million Loan Loss Allowance $3.15 million Unbacked Noncurrent Loans $15.16 million Real Estate Owned $297,000 Profit Margin - Quarterly Net Interest Margin 3.23% Return on Assets -0.02% Return on Equity -0.22% Interest Income $14.56 million

Institution Health Overall Score: 3 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 September 30, 2011 United Community Bank had $14.61 million in non-current loans and owned real-estate with $55.27 million in equity and loan loss allowances on hand to cover it. This gives United Community Bank a Texas Ratio of 26.43% which is average. 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 held steady from 28.81% as of September 30, 2010 to 26.43% as of September 30, 2011, resulting in a positive change of 8.28%.This indicates that the balance sheet and financial strength for United Community Bank has held steady in recent periods. Deposit Growth In the past year, United Community Bank has decreased its total deposits by -$19.86 million, resulting in -4.54% 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 has shown is below average. 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 has $475.83 million in assets with $55.27 million in equity, resulting in a capitalization level of 11.62%, which is above average.

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