University Bank

University Bank is headquartered in Ann Arbor and is the 88^th largest bank in the state of Michigan. It is also the 4,359^th largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 279 employees at 1 location. University Bank has a 4-star health rating.

University Bank Routing Number: 072413722

Data for Q1 2012

Institution Statistics University Bank FDIC Certificate # 14587 BankRate Report View Year Established 1908 Employees 279 Primary Regulator FDIC Assets and Liabilities Assets $124.64 million Loans $81.80 million Deposits $110.42 million Equity Capital $7.40 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $896,000 Real Estate Owned $1.03 million Historic Data - March 2011 Assets $115.04 million Equity Capital $6.83 million Loan Loss Allowance $1.58 million Unbacked Noncurrent Loans $2.35 million Real Estate Owned $1.44 million Profit Margin - Quarterly Net Interest Margin 4.14% Return on Assets 1.74% Return on Equity 29.76% Interest Income $1.19 million

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 University Bank had $1.92 million in non-current loans and owned real-estate with $8.41 million in equity and loan loss allowances on hand to cover it. This gives University Bank a Texas Ratio of 22.87% 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 University Bank decreased significantly from 45.12% as of March 31, 2011 to 22.87% as of March 31, 2012, resulting in a positive change of 49.31%.This indicates that the balance sheet and financial strength for University Bank has improved significantly in recent periods. Deposit Growth In the past year, University Bank has increased its total deposits by $8.5 million, resulting in 8.34% 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 University Bank 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. University Bank has $124.64 million in assets with $8.41 million in equity, resulting in a capitalization level of 6.75%, which is below average.

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