United Bank & Trust (MI)

United Bank & Trust (MI) is headquartered in Ann Arbor and is the 10^st largest bank in the state of Michigan. It is also the 725^th largest bank in the nation. It was established in 1893 and as of March of 2012, it had grown to 273 employees at 17 locations. United Bank & Trust (MI) has a 4-star health rating.

Data for Q1 2012

Institution Statistics United Bank & Trust FDIC Certificate # 13177 BankRate Report View Year Established 1893 Employees 273 Primary Regulator FDIC Assets and Liabilities Assets $913.27 million Loans $566.18 million Deposits $797.14 million Equity Capital $88.53 million Loan Loss Allowance $21.05 million Unbacked Noncurrent Loans $25.97 million Real Estate Owned $3.48 million Historic Data - March 2011 Assets $885.04 million Equity Capital $85.54 million Loan Loss Allowance $25.19 million Unbacked Noncurrent Loans $27.78 million Real Estate Owned $4.63 million Profit Margin - Quarterly Net Interest Margin 3.65% Return on Assets 0.41% Return on Equity 4.15% Interest Income $8.84 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 United Bank & Trust (MI) had $29.45 million in non-current loans and owned real-estate with $109.58 million in equity and loan loss allowances on hand to cover it. This gives United Bank & Trust (MI) a Texas Ratio of 26.88% 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 United Bank & Trust (MI) held steady from 29.26% as of March 31, 2011 to 26.88% as of March 31, 2012, resulting in a positive change of 8.15%.This indicates that the balance sheet and financial strength for United Bank & Trust (MI) has held steady in recent periods. Deposit Growth In the past year, United Bank & Trust (MI) has increased its total deposits by $30.08 million, resulting in 3.92% 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 (MI) has shown is above 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. United Bank & Trust (MI) has $913.27 million in assets with $109.58 million in equity, resulting in a capitalization level of 12.00%, which is above average.

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