Unison Bank

Unison Bank is headquartered in Jamestown and is the 24^th largest bank in the state of North Dakota. It is also the 2,903^rd largest bank in the nation. It was established in 1965 and as of March of 2012, it had grown to 46 employees at 3 locations. Unison Bank has a 3-star health rating.

Unison Bank Routing Number: 091310495

Data for Q1 2012

Institution Statistics Unison Bank FDIC Certificate # 19396 BankRate Report View Year Established 1965 Employees 46 Primary Regulator FDIC Assets and Liabilities Assets $219.34 million Loans $126.95 million Deposits $169.21 million Equity Capital $23.19 million Loan Loss Allowance $4.35 million Unbacked Noncurrent Loans $3.90 million Real Estate Owned $2.69 million Historic Data - March 2011 Assets $222.20 million Equity Capital $22.64 million Loan Loss Allowance $3.50 million Unbacked Noncurrent Loans $2.72 million Real Estate Owned $1.29 million Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 0.37% Return on Equity 3.41% Interest Income $2.29 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 March 31, 2012 Unison Bank had $6.58 million in non-current loans and owned real-estate with $27.54 million in equity and loan loss allowances on hand to cover it. This gives Unison Bank a Texas Ratio of 23.91% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Unison Bank increased slightly from 15.32% as of March 31, 2011 to 23.91% as of March 31, 2012, resulting in a negative change of 56.06%. This indicates that the balance sheet and financial strength for Unison Bank has declined slightly in recent periods. Deposit Growth In the past year, Unison Bank has decreased its total deposits by -$1.51 million, resulting in -0.89% 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 Unison 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. Unison Bank has $219.34 million in assets with $27.54 million in equity, resulting in a capitalization level of 12.55%, which is excellent.

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