Universal Bank

Universal Bank is headquartered in West Covina and is the 98^th largest bank in the state of California. It is also the 1,550^th largest bank in the nation. It was established in 1954 and as of March of 2012, it had grown to 93 employees at 5 locations. Universal Bank's savings rates are 3X the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Universal Bank OTS # 05801 FDIC Certificate # 30722 BankRate Report View Year Established 1954 Employees 93 Primary Regulator OCC Assets and Liabilities Assets $429.81 million Loans $346.55 million Deposits $381.24 million Equity Capital $44.50 million Loan Loss Allowance $10.38 million Unbacked Noncurrent Loans $18.88 million Real Estate Owned $4.64 million Historic Data - March 2011 Assets $472.27 million Equity Capital $42.38 million Loan Loss Allowance $10.83 million Unbacked Noncurrent Loans $25.23 million Real Estate Owned $8.76 million Profit Margin - Quarterly Net Interest Margin 4% Return on Assets 0.06% Return on Equity 0.65% Interest Income $5.04 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 Universal Bank had $23.51 million in non-current loans and owned real-estate with $54.88 million in equity and loan loss allowances on hand to cover it. This gives Universal Bank a Texas Ratio of 42.84% 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 Universal Bank decreased slightly from 63.87% as of March 31, 2011 to 42.84% as of March 31, 2012, resulting in a positive change of 32.92%.This indicates that the balance sheet and financial strength for Universal Bank has improved slightly in recent periods. Deposit Growth In the past year, Universal Bank has decreased its total deposits by -$44.73 million, resulting in -10.5% 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 Universal 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. Universal Bank has $429.81 million in assets with $54.88 million in equity, resulting in a capitalization level of 12.77%, which is excellent.

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