United Labor Bank, F.S.B.

United Labor Bank, F.S.B. is headquartered in Oakland and is the 118^st largest bank in the state of California. It is also the 2,194^th largest bank in the nation. It was established in 1990 and as of March of 2012, it had grown to 50 employees at 6 locations. United Labor Bank, F.S.B. has a 5-star health rating.

Data for Q1 2012

Institution Statistics United Labor Bank, F.S.B. OTS # 08855 FDIC Certificate # 33114 BankRate Report View Year Established 1990 Employees 50 Primary Regulator OCC Assets and Liabilities Assets $297.97 million Loans $156.99 million Deposits $268.39 million Equity Capital $25.22 million Loan Loss Allowance $2.24 million Unbacked Noncurrent Loans $767,000 Real Estate Owned $559,000 Historic Data - March 2011 Assets $268.38 million Equity Capital $22.35 million Loan Loss Allowance $2.18 million Unbacked Noncurrent Loans $2.19 million Real Estate Owned $815,000 Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 0.8% Return on Equity 9.48% Interest Income $2.75 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 Labor Bank, F.S.B. had $1.33 million in non-current loans and owned real-estate with $27.46 million in equity and loan loss allowances on hand to cover it. This gives United Labor Bank, F.S.B. a Texas Ratio of 4.83% 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 Labor Bank, F.S.B. decreased significantly from 12.27% as of March 31, 2011 to 4.83% as of March 31, 2012, resulting in a positive change of 60.63%.This indicates that the balance sheet and financial strength for United Labor Bank, F.S.B. has improved significantly in recent periods. Deposit Growth In the past year, United Labor Bank, F.S.B. has increased its total deposits by $27.39 million, resulting in 11.37% 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 Labor Bank, F.S.B. 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 Labor Bank, F.S.B. has $297.97 million in assets with $27.46 million in equity, resulting in a capitalization level of 9.22%, which is average.

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