Unity National Bank of Houston

Unity National Bank of Houston is headquartered in Houston and is the 460^th largest bank in the state of Texas. It is also the 5,698^th largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 26 employees at 2 locations. Unity National Bank of Houston has a 4-star health rating.

Data for Q1 2012

Institution Statistics Unity National Bank of Houston FDIC Certificate # 26351 BankRate Report View Year Established 1985 Employees 26 Primary Regulator OCC Assets and Liabilities Assets $72.79 million Loans $40.73 million Deposits $61.33 million Equity Capital $7.20 million Loan Loss Allowance $735,000 Unbacked Noncurrent Loans $477,000 Real Estate Owned $681,000 Historic Data - March 2011 Assets $65.52 million Equity Capital $7.12 million Loan Loss Allowance $733,000 Unbacked Noncurrent Loans $467,000 Real Estate Owned $793,000 Profit Margin - Quarterly Net Interest Margin 4% Return on Assets 0.14% Return on Equity 1.44% Interest Income $759,000

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 Unity National Bank of Houston had $1.16 million in non-current loans and owned real-estate with $7.93 million in equity and loan loss allowances on hand to cover it. This gives Unity National Bank of Houston a Texas Ratio of 14.60% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Unity National Bank of Houston held steady from 16.04% as of March 31, 2011 to 14.60% as of March 31, 2012, resulting in a positive change of 9.01%.This indicates that the balance sheet and financial strength for Unity National Bank of Houston has held steady in recent periods. Deposit Growth In the past year, Unity National Bank of Houston has increased its total deposits by $7.19 million, resulting in 13.28% 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 Unity National Bank of Houston 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. Unity National Bank of Houston has $72.79 million in assets with $7.93 million in equity, resulting in a capitalization level of 10.90%, which is above average.

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