1st United Bank

1st United Bank is headquartered in Faribault and is the 137^th largest bank in the state of Minnesota. It is also the 4,257^th largest bank in the nation. It was established in 1920 and as of December of 2011, it had grown to 38 employees at 2 locations. 1st United Bank's savings rates are 94% higher than the national average, and it has a 3-star health rating.

1st United Bank Routing Number: 291971320

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Data for Q4 2011

Institution Statistics 1st United Bank OTS # 06607 FDIC Certificate # 31249 BankRate Report View Year Established 1920 Employees 38 Primary Regulator OCC Assets and Liabilities Assets $128.37 million Loans $76.67 million Deposits $114.67 million Equity Capital $13.02 million Loan Loss Allowance $803,000 Unbacked Noncurrent Loans $2.67 million Real Estate Owned $1.51 million Historic Data - December 2010 Assets $128.03 million Equity Capital $10.91 million Loan Loss Allowance $695,000 Unbacked Noncurrent Loans $777,000 Real Estate Owned $1.48 million Profit Margin - Quarterly Net Interest Margin 4.21% Return on Assets 1.27% Return on Equity 13.49% Interest Income $5.72 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 1st United Bank had $4.19 million in non-current loans and owned real-estate with $13.82 million in equity and loan loss allowances on hand to cover it. This gives 1st United Bank a Texas Ratio of 30.29% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for 1st United Bank increased slightly from 19.49% as of December 31, 2010 to 30.29% as of December 31, 2011, resulting in a negative change of 55.40%. This indicates that the balance sheet and financial strength for 1st United Bank has declined slightly in recent periods. Deposit Growth In the past year, 1st United Bank has increased its total deposits by $571,000, resulting in 0.5% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 1st United Bank has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 1st United Bank has $128.37 million in assets with $13.82 million in equity, resulting in a capitalization level of 10.77%, which is above average.

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