Vitals
  • Total Assets
    352.2M 4.4 %
  • Total Deposits
    285.8M 6.4 %
  • Total Net Loans
    270.0M -0.5 %
  • Net Income
    7.5M 83.9 %
  • Book Value
    52.5M 16.0 %
  • Book Value x2
    104.9M 16.0 %
  • Book Value x3
    157.4M 16.0 %
ROAA

2.158

ROAE

15.51

Efficiency Ratio

84.63

Net Interest Margin

3.276

Balance Sheet Highlights
Financial Highlights Universal Bank All Insured Savings Banks in California
Balance Sheet $(000)
Total Assets 352,181 1,573,435
Total Net Loans 269,955 954,091
Total Deposits 285,814 1,313,925
Total Equity 52,456 153,490
Profitability
Net Income 7,502 21,465
Return on Average Assets 2.158 2.289
Return on Average Equity 15.51 9.324
Net Interest Margin 3.276 2.991
Efficiency Ratio 84.63 70.338
Noninterest Income/Revenue 7.923 36.49
Balance Sheet Ratios
Loan-to-Deposit 94.451 75.751
Securities/Assets .018 .269
Total Equity/Total Assets .149 .098
Tangible Equity/Tangible Assets .149 .097
Capital Adequacy
Tier 1 Common Capital 51,982 154,715
Tier 1 Capital 51,982 155,050
Tier 2 Capital 3,000 6,357
Total Capital 54,982 161,408
Total Risk Weighted Assets 235,159 812,241
Leverage Ratio 14.86 15.296
Common Equity Tier 1 Capital Ratio 22.11 32.376
Tier 1 Capital Ratio 22.11 32.988
Total Capital Ratio 23.38 33.802

Timeline for Universal Bank

Sunset Of California Homes

Sunset Of California Homes became a new subsidiary organization for Universal Bank.

View Profile Jul 21 2011

Universal Financial, Inc.

Universal Financial, Inc. became a new parent organization for Universal Bank.

View Profile Jun 29 1998

Unity Holding Company

Unity Holding Company became a new parent organization for Universal Bank.

View Profile Dec 30 1986

Universal Bank

Universal Bank was established 69 years ago and is currently headquartered in West Covina, CA.

Nov 17 1954
Relationships Role Relationship Start Relationship End
Universal Financial, Inc. Parent 7/21/2011
Universal Financial, Inc. Parent 6/29/1998 7/20/2011
Unity Holding Company Parent 12/30/1986 8/1/1990
Sunset Of California Homes Subsidary 7/21/2011
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