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 1.05% - Ally Bank High Yield 12-Month CD
0.04%	Savings	ATM Savings 1.00% - Ally Bank Online Savings Account
0.60%	2-year CD	2 Year CD 1.30% - 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 1,926^th largest bank in the nation. It was established in 1954 and as of June of 2016, it had grown to 74 employees at 5 locations. Universal Bank has an A+ health rating.

Overall
FDIC Certificate #	30722
Year Established	1954
Employees	74
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.58%
Return on Equity - YTD	4.35%
Annual Interest Income	$6.3MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$348.2MM$326.8MM
Loans	Q2 2016vs Q2 2015	$268.0MM$268.7MM
Deposits	Q2 2016vs Q2 2015	$278.5MM$260.5MM
Equity Capital	Q2 2016vs Q2 2015	$46.2MM$42.9MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$8.2MM$8.9MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$763.00K$2.0MM
Real Estate Owned	Q2 2016vs Q2 2015	$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