The following 1999 Annual Report is currently available in Adobe PDF form. To view the document you will need Adobe Acrobat Reader. Select a link below to view the Annual Report.

You may choose to download either the entire Report or sections of the Report.

• Entire Annual Report - 2.0 MB
  
  

• Cover Page - 400 KB
• Cover Foldout (both sides) - 345 KB
• Inside Cover Page - Products and Services - 130 KB

• Page 1 - 104 KB
  • Financial Highlights
  • Total Deposits Pie Chart
  • Total Loans Pie Chart

• Pages 2 and 3 - 80 KB
  • A Message to Our Shareholders from Douglas M. McKay, President and Chairman of the Board, United Community Financial Corp.

• Pages 4 and 5 - 152 KB
  • We're Here to Help Our Customers Grow and Prosper
  • Continued Growth through Home Savings

• Page 6 - 64 KB
  • Broadening Our Product Offerings with Butler Wick

• Page 7 - 212 KB
  • A View of the Future

• Page 8 - 380 KB
  • Committed to Our Community With Charitable Contributions

• Pages 9 - 10 - 44 KB
  • Selected Financial Condition Data
  • Summary of Earnings
  • Selected Financial Ratios and Other Data

• Pages 11 - 18 - 103 KB
  • Management's Discussions and Analysis of Financial Condition and Results of Operations
  • Comparison of Operating Results for the Years Ended December 31, 1999 and December 31, 1998
  • Comparison of Operating Results for the Years Ended December 31, 1998 vs. December 31, 1997
  • Yields Earned and Rates Paid

• Pages 19 - 22 - 79 KB
  • Consolidated Statements of Financial Condition
  • Consolidated Statements of Income
  • Consolidated Statements of Shareholders' Equity
  • Consolidated Statements of Cash Flows

• Pages 23 - 44 - 97 KB
  • Notes to Consolidated Financial Statements
  • Independent Auditors' Report

• Inside Back Cover Page - 54 KB
  • Corporate Information: Directors and Officers, Annual Report On Form 10-K, Annual Meeting, Shareholder Services, Legal Counsel

• Outside Back Cover Page - 33 KB