United Bank & Trust Company

100 United Drive
Versailles, KY 40383
859-873-3136
www.unitedbankky.com

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United Bank & Trust Company is headquartered in Versailles and is the 20^th largest bank in the state of Kentucky. It is also the 1,166^th largest bank in the nation. It was established in 1880 and as of March of 2012, it had grown to 137 employees at 13 locations. United Bank & Trust Company has a 3-star health rating.

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See Rates for: Savings | CD | IRA

United Bank & Trust Company Savings Account Rates

Apy	Min	Max	Product
0.15%	-	-	Green Thumb Savings
0.10%	-	-	Regular Savings
0.10%	-	-	Interest Earners

United Bank & Trust Company CD Rates

Apy	Min	Max	Product
1.30%	$500	-	48 Month CD
1.20%	$500	-	48 Month FlexSpender CD
1.10%	$500	-	36 Month CD
1.00%	$500	-	36 Month FlexSaver CD
0.70%	$500	-	24 Month CD
0.60%	$1k	-	24 Month FlexSaver CD
0.50%	$500	-	18 Month CD
0.45%	$500	-	12 Month CD
0.30%	$1k	-	13 Month Great Expectations CD
0.30%	$500	-	6 Month CD
0.20%	$1k	-	9 Month Great Expectations CD
0.20%	$500	-	3 Month CD

United Bank & Trust Company IRA Rates

Apy	Min	Max	Product
1.30%	$500	-	48 Month IRA
1.10%	$500	-	36 Month IRA
0.80%	$500	-	24 Month IRA
0.50%	$500	-	18 Month IRA
0.45%	$500	-	12 Month IRA

Rates updated: 5/17/2012

Data for Q1 2012

Institution Statistics

United Bank & Trust Company
FDIC Certificate #	15608
BankRate Report	View
Year Established	1880
Employees	137
Primary Regulator	FDIC
Assets and Liabilities
Assets	$579.93 million
Loans	$308.48 million
Deposits	$421.86 million
Equity Capital	$61.05 million
Loan Loss Allowance	$13.23 million
Unbacked Noncurrent Loans	$33.79 million
Real Estate Owned	$21.23 million
Historic Data - March 2011
Assets	$608.29 million
Equity Capital	$57.86 million
Loan Loss Allowance	$12.40 million
Unbacked Noncurrent Loans	$26.96 million
Real Estate Owned	$22.21 million
Profit Margin - Quarterly
Net Interest Margin	2.98%
Return on Assets	0.7%
Return on Equity	6.84%
Interest Income	$5.47 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 United Bank & Trust Company had $55.01 million in non-current loans and owned real-estate with $74.28 million in equity and loan loss allowances on hand to cover it. This gives United Bank & Trust Company a Texas Ratio of 74.06% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for United Bank & Trust Company held steady from 69.99% as of March 31, 2011 to 74.06% as of March 31, 2012, resulting in a negative change of 5.82%. This indicates that the balance sheet and financial strength for United Bank & Trust Company has held steady in recent periods.
Deposit Growth
In the past year, United Bank & Trust Company has decreased its total deposits by -$23.14 million, resulting in -5.2% 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 & Trust Company has shown is poor.
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 & Trust Company has $579.93 million in assets with $74.28 million in equity, resulting in a capitalization level of 12.81%, which is excellent.

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