UNICO Bank

UNICO Bank is headquartered in Mineral Point and is the 96^th largest bank in the state of Missouri. It is also the 2,762^nd largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 84 employees at 11 locations. UNICO Bank has a 4-star health rating.

UNICO Bank Routing Number: 081910436

Data for Q1 2012

Institution Statistics UNICO Bank FDIC Certificate # 10608 BankRate Report View Year Established 1901 Employees 84 Primary Regulator FDIC Assets and Liabilities Assets $231.51 million Loans $114.50 million Deposits $202.68 million Equity Capital $22.41 million Loan Loss Allowance $1.23 million Unbacked Noncurrent Loans $813,000 Real Estate Owned $2.15 million Historic Data - March 2011 Assets $234.72 million Equity Capital $19.12 million Loan Loss Allowance $1.34 million Unbacked Noncurrent Loans $2.12 million Real Estate Owned $997,000 Profit Margin - Quarterly Net Interest Margin 3.33% Return on Assets 0.95% Return on Equity 10.02% Interest Income $2.41 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 UNICO Bank had $2.96 million in non-current loans and owned real-estate with $23.64 million in equity and loan loss allowances on hand to cover it. This gives UNICO Bank a Texas Ratio of 12.54% 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 UNICO Bank decreased slightly from 15.26% as of March 31, 2011 to 12.54% as of March 31, 2012, resulting in a positive change of 17.80%.This indicates that the balance sheet and financial strength for UNICO Bank has improved slightly in recent periods. Deposit Growth In the past year, UNICO Bank has decreased its total deposits by -$6.39 million, resulting in -3.06% 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 UNICO Bank has shown is below 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. UNICO Bank has $231.51 million in assets with $23.64 million in equity, resulting in a capitalization level of 10.21%, which is above average.

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