United Trust Bank

United Trust Bank is headquartered in Palos Heights and is the 485^th largest bank in the state of Illinois. It is also the 6,392^nd largest bank in the nation. It was established in 2000 and as of December of 2012, it had grown to 12 employees at 1 location. United Trust Bank has a 2-star health rating.

United Trust Bank Routing Number: 071974505

Data for Q4 2012

Institution Statistics United Trust Bank OTS # 16310 FDIC Certificate # 35393 BankRate Report View Year Established 2000 Employees 12 Primary Regulator OCC Assets and Liabilities Assets $43.78 million Loans $25.03 million Deposits $40.13 million Equity Capital $3.52 million Loan Loss Allowance $288,000 Unbacked Noncurrent Loans $1.66 million Real Estate Owned $3.79 million Historic Data - December 2011 Assets $44.07 million Equity Capital $4.28 million Loan Loss Allowance $313,000 Unbacked Noncurrent Loans $1.33 million Real Estate Owned $3.91 million Profit Margin - Quarterly Net Interest Margin 3.58% Return on Assets -1.78% Return on Equity -19.52% Interest Income $1.53 million

Institution Health Overall Score: 2 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 December 31, 2012 United Trust Bank had $5.45 million in non-current loans and owned real-estate with $3.8 million in equity and loan loss allowances on hand to cover it. This gives United Trust Bank a Texas Ratio of 143.22% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for United Trust Bank increased slightly from 114.15% as of December 31, 2011 to 143.22% as of December 31, 2012, resulting in a negative change of 25.47%. This indicates that the balance sheet and financial strength for United Trust Bank has declined slightly in recent periods. Deposit Growth In the past year, United Trust Bank has increased its total deposits by $477,000, resulting in 1.2% 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 Trust Bank has shown is above average. 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 Trust Bank has $43.78 million in assets with $3.8 million in equity, resulting in a capitalization level of 8.69%, which is average.

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