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Financial HighlightsUNITED COMMUNITY FINANCIAL CORP. (NASDAQ - UCFC)  
Select Period: Financial Charting
 2013 FQ12012 FQ1 2012 FQ4 
Period Ended3/31/20133/31/2012Y-Y Ch (%)12/31/2012 Q-Q Ch (%)†
Balance Sheet ($000)   
Total Assets1,831,7762,041,964 (10.29) 1,808,3655.18
Total Net Loans1,043,6831,342,605 (22.26) 1,079,271 (13.19)
Total Deposits1,460,9601,571,859 (7.06) 1,462,074 (0.30)
Equity Attributable to Parent Company206,511190,0148.68170,76083.75
Total Equity206,511190,0148.68170,76083.75
Profitability (%)   
Net Income ($000) 2,6823,796 (29.35) 2,59613.25
Net Income Attributable to Parent ($000) 2,6823,796 (29.35) 2,59613.25
ROAA0.590.74 (15)  bp 0.572  bp
Core ROAA0.490.69 (20)  bp 0.418  bp
ROAE6.147.89 (175)  bp 6.068  bp
ROATCE4.147.91 (377)  bp 6.15 (201)  bp
Core ROAE5.107.37 (227)  bp 4.3575  bp
Net Interest Margin2.973.23 (26)  bp 3.23 (26)  bp
Reported: Net Interest Margin3.013.30 (29)  bp 3.23 (22)  bp
Efficiency Ratio77.3780.10 (273)  bp 72.11526  bp
Noninterest Inc / Operating Rev27.7922.75504  bp 29.23 (144)  bp
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits72.3086.50 (1,420)  bp 74.37 (207)  bp
Securities / Assets34.3127.27704  bp 33.24107  bp
Total Equity / Total Assets11.279.31196  bp 9.44183  bp
Tangible Equity / Tangible Assets11.269.29197  bp 9.43183  bp
Tang Common Equity / Tang Assets10.399.29110  bp 9.4396  bp
Tier 1 Common Capital RatioNA13.94NA  bp NANA
Tier 1 Ratio17.0213.94308  bp 14.95207  bp
Risk-based Capital Ratio18.2815.21307  bp 16.21207  bp
Leverage Ratio (Bank, BHC Only)NANANANANA
Core Cap / Tang Assets (OTS Only)9.848.9688  bp 8.70114  bp
Asset Quality (%)   
NPAs / Assets4.418.54 (413)  bp 4.62 (21)  bp
NPA Excl Restructured / Assets3.116.79 (368)  bp 3.46 (35)  bp
NPAs & 90+ PD / Assets4.608.55 (395)  bp 4.82 (22)  bp
NPAs / Loans & REO7.4612.40 (494)  bp 7.47 (1)  bp
Nonaccrual & 90+ & OREO / Assets3.306.81 (351)  bp 3.66 (36)  bp
NPAs & 90+ PD / Loans & REO7.8012.42 (462)  bp 7.800  bp
NPA & Loans 90+ / Tangible Common Equity + LLR39.7377.88 (3,815)  bp 45.52 (579)  bp
NCOs / Avg Loans0.512.40 (189)  bp 0.3813  bp
Loan Loss Reserves / Gross Loans2.052.51 (46)  bp 1.9213  bp
Reserves / NPAs27.0419.80724  bp 25.29175  bp
Loan Loss Provision / NCO150.998.0714,292  bp 206.08 (5,509)  bp
Per Share Information ($)   
Common Shares Outstanding (actual) 39,606,58632,876,45320.4733,027,88679.67
Avg Diluted Shares (actual) 33,829,00032,697,0003.4633,153,0008.16
Basic Book Value per Share4.815.78 (16.78) 5.17 (27.85)
As-reported Book Value per Share4.815.78 (16.78) 5.17 (27.85)
Basic Tangible Book Value per Share4.815.77 (16.64) 5.16 (27.13)
Reported: Tangible Book Value4.815.77 (16.64) 5.16 (27.13)
Common Dividends Declared per Share00000
EPS after Extra0.050.12 (58.33) 0.08 (150)
EPS after Extra Growth (%) (58.3)20.00 (7,833)  bp (68.0)967  bp
Core EPS0.040.11 (63.64) 0.06 (133.33)
Core EPS Growth (%) (66.3)55.30 (12,162)  bp (4.6) (6,170)  bp
Diluted EPS before Amortization0.050.12 (58.33) 0.08 (150)
Pre-Provision Earnings Per Share0.050.08 (37.50) 0.11 (218.18)
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  † Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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