United Legacy Bank

United Legacy Bank is headquartered in Winter Park and is the 116^st largest bank in the state of Florida. It is also the 3,020^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 35 employees at 4 locations. United Legacy Bank has a 4-star health rating.

United Legacy Bank Routing Number: 063115149

Data for Q1 2012

Institution Statistics United Legacy Bank FDIC Certificate # 57164 BankRate Report View Year Established 2001 Employees 35 Primary Regulator FED Assets and Liabilities Assets $208.24 million Loans $119.07 million Deposits $185.95 million Equity Capital $22.13 million Loan Loss Allowance $2.85 million Unbacked Noncurrent Loans $4.92 million Real Estate Owned $666,000 Historic Data - March 2011 Assets $199.22 million Equity Capital $18.30 million Loan Loss Allowance $4.00 million Unbacked Noncurrent Loans $4.97 million Real Estate Owned $780,000 Profit Margin - Quarterly Net Interest Margin 2.91% Return on Assets 0.01% Return on Equity 0.07% Interest Income $1.72 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 Legacy Bank had $5.58 million in non-current loans and owned real-estate with $24.98 million in equity and loan loss allowances on hand to cover it. This gives United Legacy Bank a Texas Ratio of 22.34% 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 Legacy Bank held steady from 25.77% as of March 31, 2011 to 22.34% as of March 31, 2012, resulting in a positive change of 13.30%.This indicates that the balance sheet and financial strength for United Legacy Bank has held steady in recent periods. Deposit Growth In the past year, United Legacy Bank has increased its total deposits by $9.2 million, resulting in 5.21% 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 Legacy 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 Legacy Bank has $208.24 million in assets with $24.98 million in equity, resulting in a capitalization level of 12.00%, which is above average.

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