EXHIBIT 99

275 West Federal Street

Youngstown, Ohio 44503-1203

FOR IMMEDIATE RELEASE

Media Contact:	Investor Contact:
Colleen Scott	James R. Reske
Vice President of Marketing	Chief Financial Officer
Home Savings	United Community Financial Corp.
(330) 742-0638	(330) 742-0592
cscott@homesavings.com	jreske@ucfconline.com

United Community Financial Corp. Announces

Fifth Consecutive Quarter of Positive Earnings

YOUNGSTOWN, Ohio (March 14, 2014) – United Community Financial Corp. (Company) (Nasdaq: UCFC), holding company of The Home Savings and Loan Company of Youngstown, Ohio (Home Savings), today reported consolidated net income of $2.2 million for the three months ended December 31, 2013. The Company also reported net income of $10.0 million (before amortization of the discount on preferred stock¹) for the twelve months ended December 31, 2013.

Selected results:

• Net income for 2013 was $10.0 million compared to a net loss of $20.4 million for 2012

• Noninterest expense for 2013 was $56.7 million, down 12.9% from 2012

• Delinquent loans and nonperforming assets at December 31, 2013, were down 50.5% and 54.8% respectively from December 31, 2012

• The balance of real estate owned and other repossessed assets was $6.3 million at December 31, 2013, down 65.6% from December 31, 2012

• Home Savings’ Tier 1 leverage ratio was 10.50% and the total risk based capital ratio was 19.76%

Patrick W. Bevack, President and Chief Executive Officer of the Company and Home Savings, commented, “The year 2013 represented the culmination of many years of hard effort on the part of our team and Board of Directors. Not only did we successfully complete our capital raise, but as of today, we are free of all regulatory orders and agreements.” Bevack stated, “The Company is building a solid track record of consistent earnings, having been profitable in eight of the last nine quarters, including the last five consecutive quarters. As we celebrate Home Savings’ 125^th anniversary, we are excited as to what the future has to offer.”

1

Asset Quality

Delinquent loans continued to decline in the fourth quarter of 2013. As of December 31, 2013, delinquent loans were $23.8 million, down $24.4 million, or 50.5%, from $48.2 million at December 31, 2012. Nonperforming loans also continued to decline; as of December 31, 2013, nonperforming loans were $23.6 million, down $24.2 million, or 50.6%, from $47.8 million at December 31, 2012. Nonperforming assets were $29.9 million as of December 31, 2013, down $36.3 million, or 54.8%, from $66.2 million at December 31, 2012.

The provision for loan losses decreased to $282,000 in the fourth quarter of 2013, compared to $2.1 million in the fourth quarter of 2012. The provision for loan losses also decreased to $4.1 million in the twelve months ended December 31, 2013, compared to $39.3 million for the comparable period in 2012 (which included $30.2 million related to the bulk sale of problem assets in the third quarter of 2012, as described below).

The decrease in the provision for loan losses for the fourth quarter of 2013 as compared to the same quarter last year was the result of specific reserves set aside in one commercial lending relationship in the amount of $1.3 million in December 2012. The relationship was settled in the beginning of 2013, and the need for additional reserves was not required. The remainder of the difference is the result of fewer risk-rating changes on specific loans coupled with fewer loans charged-off in excess of reserves previously established.

The decrease in the provision for loan losses for all of 2013, as compared to all of 2012, was primarily a result of the bulk asset sale that was completed in September 2012. As a result of the sale, an additional provision of $30.2 million was required in September 2012. This was the result of loans charged-off in excess of reserves on loans included in the bulk sale. In addition, the Company recognized a recovery of $1.9 million in the third quarter of 2013 as a result of the sale of one nonperforming loan, offset by the downgrade of one commercial loan relationship resulting in a provision of $1.4 million.

The Company continued to make significant progress in the resolution of foreclosed properties in the fourth quarter of 2013. At December 31, 2012, other real estate owned and other repossessed assets (OREO) consisted of 166 properties with a book value of $18.4 million. The Company sold 19 properties totaling $2.9 million in the fourth quarter of 2013 and 136 properties totaling $10.8 million in 2013, bringing total OREO, net of inflows, to 59 properties with a net book value of $6.3 million as of December 31, 2013.

Net Interest Income

Net interest income for the three months ended December 31, 2013 and December 31, 2012 was $13.1 million and $14.0 million, respectively.

Total interest income decreased $1.5 million in the fourth quarter of 2013 compared to the fourth quarter of 2012, primarily as a result of a decrease of $68.9 million in the average balance of outstanding loans as well as a decrease in the yield on net loans of 12 basis points. Further affecting the comparison, the Company also recognized a decrease in the average balance of available for sale securities of $59.4 million in the fourth quarter of 2013 as compared to the same quarter last year, despite an increase in the yield on those assets of 11 basis points.

2

Total interest expense decreased $548,000 for the quarter ended December 31, 2013, as compared to the same quarter last year. The change was due primarily to reductions of $542,000 in interest paid on deposits. The overall decrease in interest expense was attributable to a planned decision to decrease certificate of deposit balances. The average outstanding balance of certificates of deposit in the fourth quarter of 2013 declined by $75.1 million as compared to the fourth quarter of 2012. Also contributing to the decrease between the two quarterly periods was a reduction of 12 basis points in the cost of certificates of deposit. Additionally, the average balance of non-time deposits decreased $6.8 million and the cost of non-time deposits decreased 8 basis points.

Net interest income for the twelve months ended December 31, 2013 and December 31, 2012 was $51.3 million and $60.4 million, respectively.

Total interest income decreased $13.7 million in 2013 compared to 2012, primarily as a result of a decrease of $216.1 million in the average balance of outstanding loans. Home Savings also experienced a decrease in the yield on net loans of 22 basis points. Further affecting the comparison, the Company also recognized a decrease in the yield on available for sale securities of 30 basis points despite an increase in the average balance of available for sale securities of $51.8 million in 2013 as compared to the same period last year.

Total interest expense decreased $4.6 million for the twelve months ended December 31, 2013, as compared to the same period last year. The change was due primarily to reductions of $4.3 million in interest paid on deposits. The overall decrease in deposit interest expense was attributable to a shift in deposit balances from certificates of deposit to relatively less expensive non-time deposits. Between December 31, 2012, and December 31, 2013, the average outstanding balance of certificates of deposit declined by $122.3 million, while non-time deposits increased by $14.9 million. Also contributing to the decrease in interest expense was a reduction of 33 basis points in the cost of certificates of deposit, along with a decrease in the cost of non-time deposits of nine basis points.

Noninterest Income

Noninterest income in the fourth quarter of 2013 was $4.1 million, as compared to noninterest income for the fourth quarter of 2012 of $6.9 million. Decreased noninterest income was a result of lower gains recognized on the sale of securities available for sale. There was minimal sales activity during the fourth quarter of 2013, as compared to gains recognized on the sale of securities available for sale of $1.2 million in the fourth quarter of 2012. Also affecting the comparison, Home Savings recognized $1.3 million less in mortgage banking income in the fourth quarter of 2013 as compared to the same quarter in 2012. Lower mortgage banking income was the result of a lower volume of loans originated for sale during the quarter ended December 31, 2013, as compared to the same quarter in 2012. These reductions in noninterest income for the fourth quarter of 2013 as compared to the fourth quarter of 2012 were further impacted by a recovery $1.3 million on mortgage servicing rights recognized in fourth quarter of 2012 compared to a recovery of $4,000 in the fourth quarter of 2013. These changes were partially offset by a reduction of $529,000 in losses recognized on the valuation and disposal of OREO.

Noninterest income decreased in 2013 to $19.7 million, as compared to $22.7 million in 2012. Lower gains on the sale of securities accounted for the change. During 2013, $2.6 million in net gains on the sale of available for sale securities were recognized as compared to $6.3 million during 2012. Additionally, Home Savings recognized a reduction in mortgage banking income of $2.6 million. Partially offsetting these declines were increases in other income due to recoveries of $628,000 in interest rate caps during 2013 compared to establishment of a valuation reserve of $979,000 in 2012. Furthermore, Home Savings incurred a reduction of $2.0 million in the valuation and disposition of real estate owned and other repossessed assets in 2013 as compared to 2012.

3

Noninterest Expense

Noninterest expense was $15.0 million in the fourth quarter of 2013, compared to $14.3 million in the fourth quarter of 2012. In the fourth quarter of 2013, other expenses increased because of reserves established in December 2013 for potential buy-back and make-whole provisions on loans sold to government agencies in the secondary market. Partially offsetting this increase were lower legal and consulting fees during the quarter ended December 31, 2013, as compared to the same quarter last year.

Noninterest expense was $56.7 million in 2013, compared to $65.2 million in 2012, a decrease of 12.9%. Deposit insurance premiums were $1.9 million lower in 2013 due to Home Savings being able to avail itself of more favorable insurance rates and a lower average asset base used in the calculation of insurance premiums. Expenses for the maintenance and real estate taxes on OREO properties declined $293,000 for 2013 as compared to 2012. Professional fees were $2.4 million lower during the twelve months ended December 31, 2013 as compared to the same period last year. The improvement in asset quality has reduced the need to engage legal counsel and other consultants to assist in the resolution of problem assets. Lastly, prepayment penalties of $803,000 incurred on the early payoff of FHLB advances in 2012 were not a recurring expenditure in 2013.

Capital and Book Value per Common Share

Home Savings’ Tier 1 leverage ratio was 10.50% as of December 31, 2013, as compared to 8.70% as of December 31, 2012. Home Savings’ total risk-based capital ratio was 19.76% at December 31, 2013, as compared to 16.21% at December 31, 2012. Home Savings is considered well capitalized. Tangible book value per common share at December 31, 2013 was $3.47, as compared to $5.16 at December 31, 2012. Book value per share at December 31, 2013 was affected by two items that took place in 2013: the $48.4 million unrealized loss on available for sale securities at December 31, 2013 and the dilutive effect of the capital raise that took place in the first half of 2013, in which the Company issued 17.1 million shares in exchange for net proceeds of $42.3 million.

As of December 31, 2013, the net deferred tax asset (DTA), before valuation allowance, was $42.8 million compared to $28.8 million at December 31, 2012. The primary cause of the change in the net DTA at December 31, 2013 was the tax effect of the unrealized loss on available for sale securities. The Company has established a full valuation allowance against the entire net DTA. Management will continue to conduct a regular assessment of the need to maintain a full valuation allowance against its deferred tax asset. To that end, management will continue to apply its judgment in weighing positive and negative evidence in anticipation of the ultimate reversal of the deferred tax asset valuation allowance.

Home Savings is a wholly-owned subsidiary of the Company and operates 33 full-service banking offices and ten loan production offices located throughout Ohio and western Pennsylvania. Additional information on the Company and Home Savings may be found on the Company’s web site: www.ucfconline.com.

###

When used in this press release, the words or phrases “believes,” “will likely result,” “are expected to,” “will continue,” “is anticipated,” “estimate,” “project,” “will have” or similar expressions are intended to identify “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements are subject to certain risks and uncertainties, including changes in economic conditions in the Company’s market area, changes in policies by regulatory agencies, fluctuations in interest rates, demand for loans in the Company’s market area, and competition that could

4

cause actual results to differ materially from historical earnings and those presently anticipated or projected. The Company cautions readers not to place undue reliance on any such forward-looking statements, which speak only as of the date made. The Company advises readers that the factors listed above could affect the Company’s financial performance and could cause the Company’s actual results for future periods to differ materially from any opinions or statements expressed with respect to future periods in any current statements.

The Company does not undertake, and specifically disclaims any obligation, to release publicly the result of any revisions that may be made to any forward-looking statements to reflect events or circumstances after the date of such statements or to reflect the occurrence of anticipated or unanticipated events.

⁽¹⁾  As part of the capital raise that was completed in the second quarter of 2013, we issued preferred stock that was later converted to common stock. Management believes that the presentation of net income before amortization of the discount on preferred stock provides useful information to investors about the Company’s financial condition and results of operation because the preferred stock was later converted to common stock and no dividend was declared or paid on the preferred stock. However, because the preferred stock was issued at a price below the then market price of our common stock, the difference is deemed a non-cash dividend under U.S. Generally Accepted Accounting Principles and is deducted in the calculation of net income available to common shareholders. Please refer to Note 23 of the Consolidated Financial Statements found in the Company’s Form 10-K for the period ended December 31, 2013 for further detail.

5

UNITED COMMUNITY FINANCIAL CORP.

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION

(Unaudited)

	December 31, 2013			December 31, 2012
	(Dollars in thousands)
Assets:
Cash and deposits with banks	$	20,937		$	26,041
Federal funds sold		56,394			16,572
Total cash and cash equivalents		77,331			42,613
Securities:
Available for sale, at fair value		511,006			574,562
Loans held for sale		4,838			13,031
Loans, net of allowance for loan losses of $21,116 and $21,130		1,029,192			1,066,240
Federal Home Loan Bank stock, at cost		26,464			26,464
Premises and equipment, net		20,924			21,549
Accrued interest receivable		5,694			6,238
Real estate owned and other repossessed assets		6,341			18,440
Core deposit intangible		152			238
Cash surrender value of life insurance		44,972			28,881
Other assets		10,936			10,109
Total assets	$	1,737,850		$	1,808,365
Liabilities and Shareholders’ Equity
Liabilities:
Deposits:
Interest bearing	$	1,221,162		$	1,302,307
Non-interest bearing		170,590			159,767
Total deposits		1,391,752			1,462,074
Borrowed funds:
Federal Home Loan Bank advances		50,000			50,000
Repurchase agreements and other		90,578			90,598
Total borrowed funds		140,578			140,598
Advance payments by borrowers for taxes and insurance		20,060			23,590
Accrued interest payable		550			563
Accrued expenses and other liabilities		9,836			10,780
Total liabilities		1,562,776			1,637,605
Shareholders’ Equity:
Preferred stock-no par value; 1,000,000 shares authorized and no shares outstanding		—			—
Common stock-no par value; 499,000,000 shares authorized; 54,138,910 and 37,804,457 shares, respectively, issued and 50,339,089 and 33,027,886 shares, respectively, outstanding		174,719			128,026
Retained earnings		81,515			86,345
Accumulated other comprehensive income (loss)		(41,665	)		6,682
Treasury stock, at cost, 3,799,821 and 4,776,571 shares, respectively		(39,495	)		(50,293	)
Total shareholders’ equity		175,074			170,760
Total liabilities and shareholders’ equity	$	1,737,850		$	1,808,365

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UNITED COMMUNITY FINANCIAL CORP.

CONSOLIDATED STATEMENTS OF OPERATIONS

(Unaudited)

	For the Three Months Ended									For the Twelve Months Ended
	December 31,			September 30,			December 31,			December 31,			December 31,
	2013			2013			2012			2013			2012
	(Dollars in thousands, except per share data)
Interest income
Loans	$	12,657		$	12,233		$	13,862		$	49,724		$	63,044
Loans held for sale		63			80			119			310			424
Securities:
Available for sale		3,278			3,364			3,488			13,454			13,741
Federal Home Loan Bank stock dividends		267			280			316			1,107			1,175
Other interest earning assets		47			52			12			149			60
Total interest income		16,312			16,009			17,797			64,744			78,444
Interest expense
Deposits		1,780			1,847			2,322			7,623			11,896
Federal Home Loan Bank advances		530			529			535			2,106			2,415
Repurchase agreements and other		928			929			929			3,684			3,695
Total interest expense		3,238			3,305			3,786			13,413			18,006
Net interest income		13,074			12,704			14,011			51,331			60,438
Provision for loan losses		282			657			2,102			4,116			39,325
Net interest income after provision for loan losses		12,792			12,047			11,909			47,215			21,113
Non-interest income
Non-deposit investment income		373			275			373			1,562			1,898
Service fees and other charges
Mortgage servicing fees		704			702			470			2,808			2,808
Deposit related fees		1,499			1,471			1,427			5,564			5,449
Mortgage servicing rights valuation		4			30			1,335			680			1,105
Mortgage servicing rights amortization		(431	)		(482	)		(443	)		(2,143	)		(2,584	)
Other service fees		—			13			5			74			27
Net gains (losses):
Securities available for sale		(1	)		—			1,164			2,577			6,325
Other -than-temporary loss on equity securities
Total impairment loss		—			—			(13	)		—			(13	)
Loss recognized in other comprehensive income		—			—			—			—			—
Net impairment loss recognized in earnings		—			—			(13	)		—			(13	)
Mortgage banking income		850			895			2,083			4,777			7,391
Real estate owned and other repossessed assets charges, net		(215	)		(395	)		(744	)		(2,181	)		(4,191	)
Card fees		850			821			642			3,584			3,256
Other income		491			218			640			2,447			1,260
Total non-interest income		4,124			3,548			6,939			19,749			22,731
Non-interest expense
Salaries and employee benefits		7,374			7,379			7,253			29,913			32,934
Occupancy		906			811			849			3,390			3,344
Equipment and data processing		1,863			1,698			1,821			7,103			6,895
Franchise tax		351			385			445			1,567			1,841
Advertising		247			226			292			893			778
Amortization of core deposit intangible		20			20			25			86			108
Prepayment penalty		—			—			—			—			803
Deposit insurance premiums		592			598			1,026			2,347			4,202
Other insurance premiums		137			174			116			662			636
Professional fees
Legal and consulting fees		264			368			596			688			2,340
Other professional fees		609			393			608			2,228			3,002
Real estate owned and other repossessed asset expenses		310			354			239			1,450			1,743
Other expenses		2,304			1,122			1,032			6,410			6,543
Total non-interest expenses		14,977			13,528			14,302			56,737			65,169
Income before income taxes		1,939			2,067			4,546			10,227			(21,325	)
Income tax expense		(300	)		350			1,950			200			(888	)
Net income		2,239			1,717			2,596			10,027			(20,437	)
Amortization of discount on preferred stock		—			—			—			(6,751	)		—
Earnings (loss) available to common shareholders	$	2,239		$	1,717		$	2,596		$	3,276		$	(20,437	)
Earnings (loss) per common share
Basic	$	0.04		$	0.03		$	0.08		$	0.07		$	(0.62	)
Diluted		0.04			0.03			0.08			0.07			(0.62	)

7

UNITED COMMUNITY FINANCIAL CORP.

SELECTED FINANCIAL HIGHLIGHTS

(Unaudited)

	At or for the quarters ended
	December 31, 2013			September 30, 2013			June 30, 2013			March 31, 2013			December 31, 2012
							(In thousands, except per share data)
Financial Data
Total assets	$	1,737,850		$	1,756,202		$	1,787,071		$	1,831,776		$	1,808,365
Total loans, net		1,029,192			1,009,029			1,008,843			1,034,415			1,066,240
Total securities		511,006			542,811			555,188			602,107			574,562
Total deposits		1,391,752			1,410,610			1,433,815			1,460,960			1,462,074
Total shareholders’ equity		175,074			183,322			183,759			206,511			170,760
Net interest income		13,074			12,704			12,636			12,917			14,011
Provision for loan losses		282			657			1,113			2,064			2,102
Noninterest income, excluding other-than-temporary impairment losses		4,124			3,548			6,384			5,693			6,952
Net impairment losses recognized in earnings		—			—			—			—			13
Noninterest expense		14,977			13,528			14,368			13,864			14,302
Income tax expense (benefit)		(300	)		350			150			—			1,950
Net income		2,239			1,717			3,389			2,682			2,596
Share Data
Basic earnings (loss) per common share	$	0.04		$	0.03		$	(0.06	)	$	0.06		$	0.08
Diluted earnings (loss) per common share		0.04			0.03			(0.06	)		0.05			0.08
Book value per common share		3.48			3.65			3.66			4.81			5.17
Tangible book value per common share		3.47			3.65			3.66			4.81			5.16
Market value per common share		3.57			3.89			4.65			3.88			2.89
Common shares outstanding at end of period		50,339			50,225			50,189			39,607			33,028
Weighted average shares outstanding—basic		50,114			50,110			43,160			33,565			32,880
Weighted average shares outstanding—diluted		50,360			50,382			43,160			33,829			33,153
Key Ratios
Return on average assets (1)		0.51	%		0.39	%		0.74	%		0.59	%		0.57	%
Return on average equity (2)		4.82	%		3.75	%		6.46	%		6.14	%		6.06	%
Net interest margin		3.17	%		3.04	%		2.93	%		3.01	%		3.23	%
Efficiency ratio		85.89	%		81.14	%		78.38	%		75.55	%		69.50	%
Capital Ratios
Tier 1 leverage ratio		10.50	%		10.26	%		10.03	%		9.84	%		8.70	%
Tier 1 risk-based capital ratio		18.50	%		18.52	%		18.17	%		17.02	%		14.95	%
Total risk-based capital ratio		19.76	%		19.78	%		19.42	%		18.28	%		16.21	%
Equity to assets		10.07	%		10.44	%		10.28	%		11.27	%		9.44	%
Tangible common equity to tangible assets (3)		10.07	%		10.43	%		10.27	%		11.26	%		9.43	%

⁽¹⁾ Net income divided by average total assets

⁽²⁾ Net income divided by average total equity

⁽³⁾  We use certain non-GAAP financial measures, such as the tangible common equity to tangible common assets ratio (TCE), to provide information for investors to effectively analyze financial trends of ongoing business activities, and to enhance comparability with peers across the financial sector. We believe TCE is useful because it is a measure utilized by regulators, market analysts and investors in evaluating a Company’s financial condition and capital strength. TCE, as defined by us, represents common equity less core deposit intangible assets. A reconciliation form our GAAP total equity to total assets ratio to the non-GAAP tangible common equity to tangible assets ratio is presented below:

	At or for the quarters ended
	December 31, 2013			September 30, 2013			June 30, 2013			March 31, 2013			December 31, 2012
							(Dollars in thousands)
Total assets	$	1,737,850		$	1,756,202		$	1,787,071		$	1,831,776		$	1,808,365
Less: Core deposit intangible		152			172			192			215			238
Tangible assets (Non-GAAP)	$	1,737,698		$	1,756,030		$	1,786,879		$	1,831,561		$	1,808,127
Total common equity		175,074			183,322			183,759			206,511			170,760
Less: Core deposit intangible		152			172			192			215			238
Tangible common equity (Non-GAAP)	$	174,922		$	183,150		$	183,567		$	206,296		$	170,522
Total equity/Total assets		10.07	%		10.44	%		10.28	%		11.27	%		9.44	%
Tangible common equity/Tangible assets (non-GAAP)		10.07	%		10.43	%		10.27	%		11.26	%		9.43	%

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UNITED COMMUNITY FINANCIAL CORP.

SELECTED FINANCIAL HIGHLIGHTS

(Unaudited)

	At or for the quarters ended
	December 31, 2013			September 30, 2013			June 30, 2013			March 31, 2013			December 31, 2012
							(Dollars in thousands)
Loan Portfolio Composition
Real Estate Loans
One-to four-family residential	$	585,025		$	575,791		$	572,575		$	570,377		$	577,249
Multi-family residential*		54,485			55,696			62,559			69,857			80,923
Nonresidential*		131,251			127,699			120,586			132,662			138,188
Land*		9,683			9,546			9,821			15,216			15,808
Construction Loans
One-to four-family residential and land development		53,349			38,932			32,512			32,866			28,318
Multi-family and nonresidential*		—			—			4,584			4,584			4,534
Total real estate loans		833,793			807,664			802,637			825,562			845,020
Consumer Loans		189,231			194,383			199,634			206,496			214,593
Commercial Loans		26,141			26,888			24,526			23,077			26,543
Total Loans		1,049,165			1,028,935			1,026,797			1,055,135			1,086,156
Less:
Allowance for loan losses		21,116			21,032			19,037			21,827			21,130
Deferred loan costs, net		(1,143	)		(1,126	)		(1,083	)		(1,107	)		(1,214	)
Total		19,973			19,906			17,954			20,720			19,916
Loans, net	$	1,029,192		$	1,009,029		$	1,008,843		$	1,034,415		$	1,066,240
*  Categories are considered commercial real estate
	At or for the quarters ended
	December 31, 2013			September 30, 2013			June 30, 2013			March 31, 2013			December 31, 2012
							(Dollars in thousands)
Real Estate Owned and Other Repossessed Assets
Beginning balance	$	9,315		$	11,359		$	15,782		$	18,440		$	20,206
Acquisitions		392			772			389			664			2,237
Sales, net of gains		(3,153	)		(2,352	)		(3,780	)		(3,017	)		(3,560	)
Changes in valuation allowance		(213	)		(464	)		(1,032	)		(305	)		(443	)
Ending balance	$	6,341		$	9,315		$	11,359		$	15,782		$	18,440
Real Estate Owned and Other Repossessed Assets Expenses
Net (gain)/loss on sales	$	2		$	(69	)	$	126		$	108		$	301
Provision for unrealized losses, net		213			464			1,014			323			443
Operating expenses, net of rental income		310			354			293			493			239
Total	$	525		$	749		$	1,433		$	924		$	983
	At or for the quarters ended
	December 31, 2013			September 30, 2013			June 30, 2013			March 31, 2013			December 31, 2012
							(Dollars in thousands)
Deposit Portfolio Composition
Checking accounts
Interest bearing checking accounts	$	132,751		$	134,766		$	135,228		$	136,952		$	132,947
Non-interest bearing checking accounts		170,590			167,167			165,224			169,790			159,767
Total checking accounts		303,341			301,933			300,452			306,742			292,714
Savings accounts		267,515			267,062			272,991			274,419			264,411
Money market accounts		328,625			331,449			334,242			341,804			345,651
Total non-time deposits		899,481			900,444			907,685			922,965			902,776
Retail certificates of deposit		492,271			510,166			526,130			537,995			559,298
Total certificates of deposit		492,271			510,166			526,130			537,995			559,298
Total deposits	$	1,391,752		$	1,410,610		$	1,433,815		$	1,460,960		$	1,462,074
Certificates of deposit as a percent of total deposits		35.37	%		36.17	%		36.69	%		36.82	%		38.25	%

9

UNITED COMMUNITY FINANCIAL CORP.

SELECTED FINANCIAL HIGHLIGHTS

(Unaudited)

	At or for the quarters ended
	December 31, 2013			September 30, 2013			June 30, 2013			March 31, 2013			December 31, 2012
							(Dollars in thousands)
Allowance For Loan Losses
Beginning balance	$	21,032		$	19,037		$	21,827		$	21,130		$	20,048
Provision		282			657			1,113			2,064			2,102
Net recoveries (chargeoffs)		(198	)		1,338			(3,903	)		(1,367	)		(1,020	)
Ending balance	$	21,116		$	21,032		$	19,037		$	21,827		$	21,130
Net Charge-offs (Recoveries)
Real Estate Loans
One-to four-family	$	(42	)	$	201		$	487		$	637		$	317
Multi-family		—			(13	)		113			41			(1	)
Nonresidential		29			381			1,288			459			224
Land		(12	)		(10	)		1,639			(196	)		(155	)
Construction Loans
One-to four-family residential and land development		(451	)		(1,876	)		108			(75	)		259
Multi-family and nonresidential		620			—			(4	)		18			(16	)
Total real estate loans		144			(1,317	)		3,631			884			628
Consumer Loans		193			143			387			443			397
Commercial Loans		(139	)		(164	)		(115	)		40			(5	)
Total	$	198		$	(1,338	)	$	3,903		$	1,367		$	1,020
	At or for the quarters ended
	December 31, 2013			September 30, 2013			June 30, 2013			March 31, 2013			December 31, 2012
							(Dollars in thousands)
Nonperforming Loans
Real Estate Loans
One-to four-family residential	$	6,356		$	6,127		$	4,993		$	5,978		$	5,437
Multi-family residential		641			705			727			1,727			2,027
Nonresidential		5,560			8,963			10,429			21,021			20,743
Land		496			628			656			5,957			6,047
Construction Loans
One-to four-family residential and land development		3,084			3,320			4,385			4,931			7,465
Multi-family and nonresidential		—			—			—			—			—
Total real estate loans		16,137			19,743			21,190			39,614			41,719
Consumer Loans		3,293			3,564			3,459			3,608			4,843
Commercial Loans		4,158			4,177			4,453			1,492			1,225
Total Loans	$	23,588		$	27,484		$	29,102		$	44,714		$	47,787
Total Nonperforming Loans and Nonperforming Assets
Past due 90 days and on nonaccrual status	$	20,188		$	20,946		$	22,487		$	36,515		$	38,378
Past due 90 days and still accruing		45			3,413			3,501			3,594			3,678
Past due 90 days		20,233			24,359			25,988			40,109			42,056
Past due less than 90 days and on nonaccrual		3,356			3,125			3,114			4,605			5,731
Total Nonperforming Loans		23,589			27,484			29,102			44,714			47,787
Other Real Estate Owned		6,318			9,276			11,203			15,349			18,075
Repossessed Assets		23			39			156			433			365
Total Nonperforming Assets	$	29,930		$	36,799		$	40,461		$	60,496		$	66,227
Total Troubled Debt Restructured Loans
Accruing	$	26,577		$	26,629		$	25,165		$	23,812		$	21,006
Nonaccruing		4,941			5,474			5,455			3,616			4,430
Total	$	31,518		$	32,103		$	30,620		$	27,428		$	25,436

10