Universal Bank

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LOCATIONS

18 Month IRA (Traditional, Roth)

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.45%	1-year CD	1 Year CD 1.50% - Ally Bank No Penalty 11-Month CD
0.04%	Savings	ATM Savings 1.15% - CIT Bank Spring Savings
0.60%	2-year CD	2 Year CD 1.50% - Ally Bank Raise Your Rate 2-Year CD

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Overview / Commentary

www.universalbank.com

626-854-2818

3455 Nogales Street, Suite #105
West Covina, CA 91792

Universal Bank is headquartered in West Covina and is the 111^th largest bank in the state of California. It is also the 1,952^nd largest bank in the nation. It was established in 1954 and as of March of 2017, it had grown to 71 employees at 5 locations. Universal Bank has an A+ health rating.

Overall
FDIC Certificate #	30722
Year Established	1954
Employees	71
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.18%
Return on Equity - YTD	1.23%
Annual Interest Income	$3.1MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$348.8MM$344.9MM
Loans	Q1 2017vs Q1 2016	$277.4MM$277.6MM
Deposits	Q1 2017vs Q1 2016	$282.2MM$275.6MM
Equity Capital	Q1 2017vs Q1 2016	$52.6MM$45.5MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$7.6MM$8.0MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$314.00K$834.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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Savings
Money Market
Checking
CD
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Universal Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	-	-	Young Savers
0.04%	$100	-	ATM Savings

Universal Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$50k^*	-	Money Market Savings
OTHER TIERS: 0.05% → $1k - $2,500 \| 0.10% → $2,500 - $50k
0.15%^*	$50k^*	-	Money Market Checking
OTHER TIERS: 0.05% → $1k - $2,500 \| 0.10% → $2,500 - $50k

Universal Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%^*	$100k^*	-	Business Interest Checking
OTHER TIERS: 0.10% → $100 - $1k \| 0.15% → $1k - $10k \| 0.25% → $10k - $100k
0.04%	$2,500	-	VIP Checking

Universal Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.60%^*	$100k^*	-	2 Year CD
OTHER TIERS: 0.40% → $1k - $10k \| 0.45% → $10k - $25k \| 0.50% → $25k - $50k \| 0.55% → $50k - $100k
0.60%	$1k	-	3 Year CD
0.45%^*	$100k^*	-	60 Day CD
OTHER TIERS: 0.25% → $1k - $10k \| 0.30% → $10k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k
0.45%^*	$50k^*	-	1 Year CD
OTHER TIERS: 0.25% → $1k - $10k \| 0.30% → $10k - $25k \| 0.40% → $25k - $50k
0.40%^*	$100k^*	-	30 Day CD
OTHER TIERS: 0.20% → $1k - $10k \| 0.25% → $10k - $25k \| 0.30% → $25k - $50k \| 0.35% → $50k - $100k
0.35%^*	$100k^*	-	180 Day CD
OTHER TIERS: 0.15% → $1k - $10k \| 0.20% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k
0.30%^*	$100k^*	-	90 Day CD
OTHER TIERS: 0.10% → $1k - $10k \| 0.15% → $10k - $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $100k

Universal Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$25k^*	-	18 Month IRA
OTHER TIERS: 0.60% → $100 - $10k \| 0.70% → $10k - $25k

Locations

Universal Bank Locations
Eagle Rock - Colorado Branch	2575 Colorado Boulevard	Los Angeles, CA 90041
Universal Bank	3455 Nogales Street, Suite #105	West Covina, CA 91792
Arcadia Branch	747 West Duarte Road	Arcadia, CA 91007
W Garvey Abenue Branch	757 W Garvey Avenue	Monterey Park, CA 91754
Rosemead Branch	8855 East Valley Boulevard	Rosemead, CA 91770