United Fidelity Bank, fsb

United Fidelity Bank, fsb is headquartered in Evansville and is the 72^nd largest bank in the state of Indiana. It is also the 3,396^th largest bank in the nation. It was established in 1931 and as of March of 2012, it had grown to 50 employees at 6 locations. United Fidelity Bank, fsb has a 4-star health rating.

United Fidelity Bank, fsb Routing Number: 286371663

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Data for Q1 2012

Institution Statistics United Fidelity Bank, fsb OTS # 03676 FDIC Certificate # 29566 BankRate Report View Year Established 1931 Employees 50 Primary Regulator OCC Assets and Liabilities Assets $179.68 million Loans $73.58 million Deposits $124.93 million Equity Capital $21.16 million Loan Loss Allowance $2.21 million Unbacked Noncurrent Loans $3.91 million Real Estate Owned $2.71 million Historic Data - March 2011 Assets $208.92 million Equity Capital $21.93 million Loan Loss Allowance $1.55 million Unbacked Noncurrent Loans $4.84 million Real Estate Owned $11.20 million Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets 0.55% Return on Equity 4.69% Interest Income $1.70 million

Institution Health Overall Score: 4 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 Fidelity Bank, fsb had $6.62 million in non-current loans and owned real-estate with $23.37 million in equity and loan loss allowances on hand to cover it. This gives United Fidelity Bank, fsb a Texas Ratio of 28.32% 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 Fidelity Bank, fsb decreased significantly from 68.41% as of March 31, 2011 to 28.32% as of March 31, 2012, resulting in a positive change of 58.61%.This indicates that the balance sheet and financial strength for United Fidelity Bank, fsb has improved significantly in recent periods. Deposit Growth In the past year, United Fidelity Bank, fsb has decreased its total deposits by -$14.51 million, resulting in -10.41% 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 Fidelity Bank, fsb 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 Fidelity Bank, fsb has $179.68 million in assets with $23.37 million in equity, resulting in a capitalization level of 13.01%, which is excellent.

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