Americas United Bank (OTCQB: AUNB) reported unaudited results of operations for the second quarter and six-month period ended June 30, 2014. For the quarter, Americas United Bank earned $91,000, or $0.03 per basic share, compared to net income of $400,000, or $0.14 per basic share for the same period of 2013. Earnings before provision for loan and lease losses and taxes for the second quarter were $155,000, as compared to $100,000 for the second quarter of 2013.

Adriana M. Boeka, President and Chief Executive Officer of Americas United Bank, stated, “We are pleased with our quarterly results as we have fully absorbed the newly acquired branch in Lancaster that was completed on March 31, 2014. Our operating results reflect the expenses from this new branch along with the balances that increased total assets.”

Boeka continued, “As we have previously reported, our newly acquired Lancaster branch has added core deposits and liquidity to our balance sheet. We remain focused on deploying our additional growth into key earning assets and look forward to a successful second half of 2014.”

Total assets were $162.8 million at quarter end, up from $119.5 million at year-end and up from $119.7 million at June 30, 2013. The second quarter 2014 balances reflected the addition of the deposits for the acquired Lancaster branch. Total loans were $96.1 million at quarter-end, up from $87.4 million at year-end 2013, and up from $78.6 million at June 30, 2013. Total deposits reached $134.2 million at June 30, 2014, compared to $91.4 million at December 31, 2013, and $95.2 million at June 30, 2013.

Selected highlights for second quarter 2014 versus second quarter 2013:

  • Asset growth of $43.1 million, or 36.0%, to $162.8 million;
  • Loan growth of $17.5 million, or 22.3%, to $96.1 million;
  • Deposit growth of $39.0 million, or 41.0%, to $134.2 million;
  • Shareholders’ Equity growth of $3.8 million, or 19.2%, to $23.8 million;
  • Interest Income increase of $240,000, or 23.3%, to $1,269,000;
  • Interest Expense increase of $32,000, or 27.2%, to $148,000;
  • Ending Allowance for Loan and Lease Losses balance of $1,748,000 or 1.82% of gross loans;
  • Non-performing loans to total loans of 0.01%;
  • Non-performing assets to Tier 1 Capital plus Allowance for Loan and Lease Losses (known as the “Texas Ratio”) down to 0.04%.
  • Return on Assets of 0.22% versus 0.81%
  • Return on Equity of 1.54% versus 4.69%

The Bank capital ratios at June 30, 2014 are as follows:

  • Tier 1 Capital Ratio of 12.86%
  • Tier 1 Risk-Based Capital Ratio of 20.43%
  • Total Risk-Based Capital Ratio of 21.69%

Americas United Bank operates as a full-service commercial bank that provides business and personal banking products and services. For more information please contact the bank at one of its locations listed below or visit www.aubank.com.

Main Office - 801 N. Brand Boulevard, Suite 180, Glendale, CA 91203   (818) 637-7000 Downey Office - 8255 Firestone Boulevard, Suite 110, Downey, CA 90241 (562) 299-9920 Lancaster Office - 539 W. Lancaster Blvd., Lancaster, CA 93534 (661) 945-6955

Certain statements in this press release, including statements regarding the anticipated development and expansion of the Bank's business, and the intent, belief or current expectations of the Bank, its directors or its officers, are "forward-looking" statements (as such term is defined in the Private Securities Litigation Reform Act of 1995). Because such statements are subject to risks and uncertainties, actual results may differ materially from those expressed or implied by such forward-looking statements. These risks and uncertainties include, but are not limited to, risks related to the local and national economy, the Bank's performance and implementation of its business plans, loan performance, interest rates, and regulatory matters.

2nd QUARTER REPORT (Unaudited)               BALANCE SHEET         June 30, June 30, December 31, 2014 2013 2013 Assets Cash and Cash Equivalents $ 2,606,946 $ 2,207,943 $ 2,962,124 Investments and Interest Bearing Deposit at Banks 38,313,373 12,321,844 15,774,131 Federal Funds 22,753,244 26,958,381 10,663,350 Gross Loans 96,065,839 78,563,443 87,437,770 Allowance for Loan Losses (1,748,453 ) (1,672,493 ) (1,772,951 ) Property and Equipment, net 292,920 174,868 185,012 Other Assets   4,529,726       1,133,307       4,268,370   Total Assets $ 162,813,595     $ 119,687,293     $ 119,517,806     Liabilities and Shareholders’ Equity Non-Maturing Deposits $ 78,865,123 $ 55,636,302 $ 51,934,853 Certificates of Deposit 55,367,563 39,569,859 39,470,992 Total Deposits 134,232,686 95,206,161 91,405,845 Other Borrowings 4,000,000 4,000,000 4,000,000 Other Liabilities   746,386       481,002       572,255   Total Liabilities 138,979,072 99,687,163 95,978,100 Shareholders’ Equity   23,834,523       20,000,130       23,539,706   Total Liabilities and Shareholders’ Equity $ 162,813,595     $ 119,687,293     $

119,517,806

                      STATEMENT OF OPERATIONS 3 Months Ended Year-to-Date June 30, 2014 June 30, 2013 June 30, 2014 June 30, 2013 Interest Income $ 1,269,030 $ 1,028,878 $ 2,420,243 $ 2,053,256 Interest Expense   147,602       116,025       253,729       228,432   Net Interest Income 1,121,428 912,853 2,166,514 1,824,824 Provision for Loan Losses - (300,000 ) - (300,000 ) Other Income 80,661 95,847 205,381 158,119 Other Expenses   1,046,676       908,752       2,027,455       1,826,896   Earnings before Income Taxes 155,413 399,948 344,440 456,047 Income Taxes   64,152       225       142,238       525   Net Income $ 91,261     $ 399,723     $ 202,202     $ 455,522     Common Shares Issued and Outstanding 2,878,150 2,878,150 2,878,150 2,878,150 Basic Earnings Per Share $ 0.03 $ 0.14 $ 0.07 $ 0.16 Return on Average Assets (annualized) 0.22 % 0.81 % 0.29 % 0.81 % Return on Average Equity (annualized) 1.54 % 4.69 % 1.72 % 4.69 % Net Interest Margin 2.86 % 3.19 % 3.19 % 3.31 % Efficiency Ratio 87.07 % 90.09 % 85.48 % 92.13 %                     SELECTED RATIOS June 30, 2014 June 30, 2013 Dec. 31, 2013 Tier 1 Leverage Capital Ratio 12.86 % 17.11 % 17.63 % Tier 1 Risk-Based Capital Ratio 20.43 % 25.24 % 23.12 % Total Risk-Based Capital Ratio 21.69 % 26.50 % 24.38 % Allowance for Loan & Lease Losses (ALLL) as a % of Total Loans 1.82 % 2.13 % 2.03 % Non Performing Assets as a % of Total Assets 0.01 % 0.24 % 0.01 % Non Performing Assets as a % of Total Loans 0.01 % 0.36 % 0.02 % Net Charge Offs as a % of Total Loans 0.03 % -0.11 % -0.21 % Total ALLL as a % of Non Performing Loans 19247.6 % 583.9 % 11923.0 % Texas Ratio (Non Performing Assets as a % of T1 Capital & ALLL) 0.04 % 1.32 % 0.07 % Basic Book Value Per Share $ 8.28 $ 6.95 $ 8.18                    

www.aubank.com

Americas United BankAdriana M. Boeka, President and Chief Executive Officer818-637-7000orJeffrey Pollard, Executive Vice President and CFO818-637-7000