Institution Statistics
| United Bank of Iowa | | FDIC Certificate # | 958 | | BankRate Report | View | | Year Established | 1932 | | Employees | 229 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $1.17 billion | | Loans | $915.35 million | | Deposits | $943.93 million | | Equity Capital | $119.12 million | | Loan Loss Allowance | $13.93 million | | Unbacked Noncurrent Loans | $5.90 million | | Real Estate Owned | $1.31 million |
Historic Data - March 2011 | | Assets | $1.13 billion | | Equity Capital | $107.54 million | | Loan Loss Allowance | $12.20 million | | Unbacked Noncurrent Loans | $11.01 million | | Real Estate Owned | $650,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.4% | | Return on Assets | 1.71% | | Return on Equity | 17.02% | | Interest Income | $12.50 million |
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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, 2012 United Bank of Iowa had $7.21 million in non-current loans and owned real-estate with $133.05 million in equity and loan loss allowances on hand to cover it. This gives United Bank of Iowa a Texas Ratio of 5.42% 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 significantly from 9.60% as of March 31, 2011 to 5.42% as of March 31, 2012, resulting in a positive change of 43.58%.This indicates that the balance sheet and financial strength for United Bank of Iowa has improved significantly in recent periods. | | Deposit Growth | | | In the past year, United Bank of Iowa has increased its total deposits by $72.8 million, resulting in 8.36% 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 $1.17 billion in assets with $133.05 million in equity, resulting in a capitalization level of 11.33%, which is above average. |
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