United Bank of Iowa

United Bank of Iowa is headquartered in Ida Grove and is the 8^th largest bank in the state of Iowa. It is also the 528^th largest bank in the nation. It was established in 1932 and as of March of 2013, it had grown to 239 employees at 25 locations. United Bank of Iowa has a 5-star health rating.

United Bank of Iowa Routing Number: 073921433

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Data for Q1 2013

Institution Statistics United Bank of Iowa FDIC Certificate # 958 BankRate Report View Year Established 1932 Employees 239 Primary Regulator FDIC Assets and Liabilities Assets $1.24 billion Loans $948.46 million Deposits $996.62 million Equity Capital $127.20 million Loan Loss Allowance $15.59 million Unbacked Noncurrent Loans $5.21 million Real Estate Owned $105,000 Historic Data - March 2012 Assets $1.17 billion Equity Capital $119.12 million Loan Loss Allowance $13.93 million Unbacked Noncurrent Loans $5.90 million Real Estate Owned $1.31 million Profit Margin - Quarterly Net Interest Margin 3.25% Return on Assets 1.53% Return on Equity 14.99% Interest Income $11.78 million

Institution Health Overall Score: 5 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, 2013 United Bank of Iowa had $5.31 million in non-current loans and owned real-estate with $142.78 million in equity and loan loss allowances on hand to cover it. This gives United Bank of Iowa a Texas Ratio of 3.72% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for United Bank of Iowa decreased slightly from 5.56% as of March 31, 2012 to 3.72% as of March 31, 2013, resulting in a positive change of 33.07%.This indicates that the balance sheet and financial strength for United Bank of Iowa has improved slightly in recent periods. Deposit Growth In the past year, United Bank of Iowa has increased its total deposits by $52.68 million, resulting in 5.58% 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 United Bank of Iowa 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. United Bank of Iowa has $1.24 billion in assets with $142.78 million in equity, resulting in a capitalization level of 11.52%, which is above average.

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