United Bank & Trust National Association

United Bank & Trust National Association is headquartered in Marshalltown and is the 174^th largest bank in the state of Iowa. It is also the 4,639^th largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 22 employees at 2 locations. United Bank & Trust National Association has a 4-star health rating.

Data for Q1 2012

Institution Statistics United Bank & Trust National Association FDIC Certificate # 57391 BankRate Report View Year Established 2002 Employees 22 Primary Regulator OCC Assets and Liabilities Assets $112.94 million Loans $50.57 million Deposits $92.33 million Equity Capital $12.64 million Loan Loss Allowance $976,000 Unbacked Noncurrent Loans $906,000 Real Estate Owned $1.86 million Historic Data - March 2011 Assets $109.61 million Equity Capital $11.20 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $1.16 million Real Estate Owned $2.02 million Profit Margin - Quarterly Net Interest Margin 3.14% Return on Assets 1.32% Return on Equity 11.68% Interest Income $1.00 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 National Association had $2.76 million in non-current loans and owned real-estate with $13.61 million in equity and loan loss allowances on hand to cover it. This gives United Bank & Trust National Association a Texas Ratio of 20.31% 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 National Association decreased slightly from 26.09% as of March 31, 2011 to 20.31% as of March 31, 2012, resulting in a positive change of 22.18%.This indicates that the balance sheet and financial strength for United Bank & Trust National Association has improved slightly in recent periods. Deposit Growth In the past year, United Bank & Trust National Association has increased its total deposits by $9.83 million, resulting in 11.91% 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 National Association 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 & Trust National Association has $112.94 million in assets with $13.61 million in equity, resulting in a capitalization level of 12.05%, which is excellent.

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