United Pacific Bank

1630 South Azusa Avenue
City Of Industry, CA 91748
(626) 965-6230
www.upbnet.com

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United Pacific Bank is headquartered in City Of Industry and is the 204^th largest bank in the state of California. It is also the 4,320^th largest bank in the nation. It was established in 1982 and as of March of 2012, it had grown to 26 employees at 2 locations. United Pacific Bank has a 3-star health rating.

United Pacific Bank Routing Number: 122039179

1.88% 6-Month CD at United Pacific Bank in California - Local Only - 10/27/2009

United Pacific Bank is offering some competitive short-term CD rates. These include a 1.68% APY CD for terms of 90 to 179 days and a 1.88% APY for terms of 180 days to 18 months. Minimum deposit is $2,500, and they are available for both personal and...

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United Pacific Bank Checking Account Rates

Apy	Min	Max	Product
0.38%	$25k	-	Personal High Yield Checking Account
0.38%	$25k	-	Non-Profit Organization High Yield Checking Account
0.38%	$25k	-	Sole Ownership High Yield Checking Account
0.38%	$25k	-	Attorney Client Trust High Yield Checking Account
0.18%	$200	-	Personal Super Now Account
0.18%	$1k	-	Non-Profit Organization Super Now Account
0.18%	$1k	-	Sole Ownership Super Now Account
0.18%	$1k	-	Attorney Client Trust Super Now Account

United Pacific Bank Savings Account Rates

Apy	Min	Max	Product
0.25%	$500	-	Personal Super Saving Account
0.25%	$500	-	Business Super Saving Account
0.18%	$100	-	Personal Regular Saving Account

United Pacific Bank Money Market Rates

Apy	Min	Max	Product
0.68%	$100k	-	Personal Money Market Account
0.68%	$100k	-	Business Money Market Account
0.68%	$100k	-	Business Money Market Saving Account
0.68%	$100k	-	Personal Money Market Saving Account

United Pacific Bank CD Rates

Apy	Min	Max	Product
1.21%	$2,500	-	36 Month Personal CD
1.21%	$2,500	-	36 Month Business CD
1.11%	$2,500	-	24 Month Personal CD
1.11%	$2,500	-	24 Month Business CD
0.83%	$2,500	-	1 Year Personal CD
0.83%	$2,500	-	18 Month Personal CD
0.83%	$2,500	-	1 Year Business CD
0.83%	$2,500	-	18 Month Business CD
0.70%	$2,500	-	180 Day Personal CD
0.70%	$2,500	-	180 Day Business CD
0.58%	$2,500	-	90 Day Personal CD
0.58%	$2,500	-	90 Day Business CD
0.48%	$2,500	-	30 Day Personal CD
0.48%	$2,500	-	30 Day Business CD
0.38%	$2,500	-	7 Day Personal CD
0.38%	$2,500	-	7 Day Business CD

United Pacific Bank IRA Rates

	Apy	Min	Max	Product
	0.83%	$100	-	18 Month IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

United Pacific Bank
FDIC Certificate #	23805
BankRate Report	View
Year Established	1982
Employees	26
Primary Regulator	FDIC
Assets and Liabilities
Assets	$127.09 million
Loans	$86.01 million
Deposits	$95.96 million
Equity Capital	$16.17 million
Loan Loss Allowance	$3.21 million
Unbacked Noncurrent Loans	$2.52 million
Real Estate Owned	$758,000
Historic Data - March 2011
Assets	$149.36 million
Equity Capital	$16.13 million
Loan Loss Allowance	$2.87 million
Unbacked Noncurrent Loans	$4.85 million
Real Estate Owned	$85,000
Profit Margin - Quarterly
Net Interest Margin	3.39%
Return on Assets	0.21%
Return on Equity	1.62%
Interest Income	$1.35 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 March 31, 2012 United Pacific Bank had $3.28 million in non-current loans and owned real-estate with $19.38 million in equity and loan loss allowances on hand to cover it. This gives United Pacific Bank a Texas Ratio of 16.90% 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 Pacific Bank decreased slightly from 26.70% as of March 31, 2011 to 16.90% as of March 31, 2012, resulting in a positive change of 36.68%.This indicates that the balance sheet and financial strength for United Pacific Bank has improved slightly in recent periods.
Deposit Growth
In the past year, United Pacific Bank has decreased its total deposits by -$11 million, resulting in -10.28% 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 Pacific Bank 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 Pacific Bank has $127.08 million in assets with $19.38 million in equity, resulting in a capitalization level of 15.25%, which is excellent.