United Community Financial Corp  (UCFC)
Other Ticker:  
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial

United Community Financial Corp Segments


Business Segments III. Quarter
(in millions $)
(Sep 30 2019)
(of total Revenues)
III. Quarter
(in millions $)
(Sep 30 2019)
(Profit Margin)
27.90 100 % 10.50 37.65 %

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Growth rates by Segment III. Quarter
Y/Y Revenue
(Sep 30 2019)
Q/Q Revenue
III. Quarter
Y/Y Income
(Sep 30 2019)
Q/Q Income
2.25 % -3.01 % 10.09 % 0.17 %

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To get more information on United Community Financial's Total segment. Select each division with the arrow.

  United Community Financial's

Business Segments Description

Commercial Loans:
Multifamily. Home Savings originates loans secured by multifamily properties that contain more than four units. Multifamily loans are offered with adjustable and fixed rates of interest, which adjust according to a specified index, and typically have terms ranging from five to ten years and of the value of the real estate and improvements (LTV) of up to 80%.
Multifamily lending generally is considered to involve a higher degree of risk than one-to-four family residential lending because the borrower typically depends upon income generated by the subject property to cover operating expenses and debt service. The profitability of a subject property can be affected by economic conditions, government policies and other factors beyond the control of the borrower. Home Savings attempts to mitigate the risk associated with multifamily lending by evaluating the creditworthiness of the borrower and the projected income from the subject property and by obtaining personal guarantees on loans made to corporations, limited liability companies and partnerships. Home Savings requires borrowers to submit financial statements annually to enable management to monitor the loan and requires an assignment of rents from borrowers.

Nonresidential. Home Savings originates loans secured by nonresidential real estate, such as shopping centers, office buildings, and industrial buildings. Home Savings’ nonresidential real estate loans typically have both fixed and adjustable rates, amortization of up to 25 years and LTVs of up to 80%. The majority of such properties are located within Home Savings’ primary lending area.

Construction. Home Savings originates loans for the construction of multifamily properties, nonresidential real estate projects and to builders on a presold or speculative (unsold) basis. Home Savings limits the number of outstanding loans to each residential builder on unsold homes under construction, both by dollar amount and number. Construction loans for multifamily and nonresidential properties, as well as loans to builders, typically have LTV at origination of up to 75% based on estimated value at completion, with the value of the land included as part of the owner’s equity.

Secured and Unsecured. Home Savings makes commercial loans to businesses in its primary market area, including traditional lines of credit, revolving lines of credit and term loans. The collateral coverage ratios for commercial loans depend upon the nature of the underlying collateral. Lines of credit and revolving credits generally are priced on a floating rate basis, which is tied to the prime interest rate or LIBOR. Term loans usually have adjustable rates, but can have fixed rates of interest, and typically have terms of one to five years.

Construction. Home Savings originates loans for the construction of one-to four-family residences. These construction loans to owner-occupants are structured as permanent loans with fixed or adjustable rates of interest and terms of up to 30 years. During the construction phase, the borrower is required to pay interest only. These loans have LTVs at origination of up to 95% with appropriate mortgage insurance.

Consumer Loans:
Home Savings originates various types of consumer loans, including home equity loans, home equity lines of credit, vehicle loans, unsecured loans, and cash-secured loans. Home Savings generally does not originate recreational vehicle loans or marine loans. Consumer loans are made at fixed and variable rates of interest for different terms based on the type of loan.


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