UNITI BANK

UNITI BANK is headquartered in Buena Park and is the 156^th largest bank in the state of California. It is also the 3,294^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 38 employees at 3 locations. UNITI BANK has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Uniti Bank FDIC Certificate # 57120 BankRate Report View Year Established 2001 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $186.53 million Loans $85.86 million Deposits $165.13 million Equity Capital $20.52 million Loan Loss Allowance $5.94 million Unbacked Noncurrent Loans $10.65 million Historic Data - March 2011 Assets $211.74 million Equity Capital $18.21 million Loan Loss Allowance $8.60 million Unbacked Noncurrent Loans $12.94 million Real Estate Owned $1.61 million Profit Margin - Quarterly Net Interest Margin 2.59% Return on Assets -0.18% Return on Equity -1.61% Interest Income $1.54 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 UNITI BANK had $10.65 million in non-current loans and owned real-estate with $26.45 million in equity and loan loss allowances on hand to cover it. This gives UNITI BANK a Texas Ratio of 40.27% 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 UNITI BANK decreased slightly from 57.51% as of March 31, 2011 to 40.27% as of March 31, 2012, resulting in a positive change of 29.98%.This indicates that the balance sheet and financial strength for UNITI BANK has improved slightly in recent periods. Deposit Growth In the past year, UNITI BANK has decreased its total deposits by -$26.08 million, resulting in -13.64% 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 UNITI 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. UNITI BANK has $186.53 million in assets with $26.45 million in equity, resulting in a capitalization level of 14.18%, which is excellent.

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