Institution Statistics
| United International Bank | | FDIC Certificate # | 57987 | | BankRate Report | View | | Year Established | 2006 | | Employees | 40 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $199.71 million | | Loans | $142.55 million | | Deposits | $166.68 million | | Equity Capital | $19.89 million | | Loan Loss Allowance | $3.80 million | | Unbacked Noncurrent Loans | $12.72 million | | Real Estate Owned | $1.76 million |
Historic Data - March 2011 | | Assets | $178.61 million | | Equity Capital | $19.71 million | | Loan Loss Allowance | $3.01 million | | Unbacked Noncurrent Loans | $8.55 million | | Real Estate Owned | $2.54 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.82% | | Return on Assets | 0.09% | | Return on Equity | 0.89% | | Interest Income | $2.11 million |
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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 March 31, 2012 United International Bank had $14.48 million in non-current loans and owned real-estate with $23.68 million in equity and loan loss allowances on hand to cover it. This gives United International Bank a Texas Ratio of 61.14% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for United International Bank increased slightly from 48.80% as of March 31, 2011 to 61.14% as of March 31, 2012, resulting in a negative change of 25.27%. This indicates that the balance sheet and financial strength for United International Bank has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, United International Bank has increased its total deposits by $19.61 million, resulting in 13.33% 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 International 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. United International Bank has $199.71 million in assets with $23.68 million in equity, resulting in a capitalization level of 11.86%, which is above average. |
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