First United Bank

First United Bank is headquartered in Dimmitt and is the 45^th largest bank in the state of Texas. It is also the 597^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 223 employees at 18 locations. First United Bank's money market rates are 48% higher than the national average, and it has a 4-star health rating.

First United Bank Routing Number: 111310294

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Data for Q1 2012

Institution Statistics First United Bank FDIC Certificate # 12769 BankRate Report View Year Established 1907 Employees 223 Primary Regulator FDIC Assets and Liabilities Assets $1.10 billion Loans $487.30 million Deposits $977.74 million Equity Capital $99.06 million Loan Loss Allowance $8.40 million Unbacked Noncurrent Loans $8.58 million Real Estate Owned $1.80 million Historic Data - March 2011 Assets $1.01 billion Equity Capital $84.70 million Loan Loss Allowance $7.43 million Unbacked Noncurrent Loans $2.70 million Real Estate Owned $2.95 million Profit Margin - Quarterly Net Interest Margin 3.43% Return on Assets 1.3% Return on Equity 14.4% Interest Income $9.95 million

Institution Health Overall Score: 4 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 March 31, 2012 First United Bank had $10.38 million in non-current loans and owned real-estate with $107.46 million in equity and loan loss allowances on hand to cover it. This gives First United Bank a Texas Ratio of 9.66% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First United Bank held steady from 6.13% as of March 31, 2011 to 9.66% as of March 31, 2012, resulting in a negative change of 57.60%. This indicates that the balance sheet and financial strength for First United Bank has held steady in recent periods. Deposit Growth In the past year, First United Bank has increased its total deposits by $92.37 million, resulting in 10.43% 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 First United Bank has shown is excellent. 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. First United Bank has $1.1 billion in assets with $107.46 million in equity, resulting in a capitalization level of 9.80%, which is average.

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