United Bank & Trust

United Bank & Trust is headquartered in Marysville and is the 24^th largest bank in the state of Kansas. It is also the 1,280^th largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 98 employees at 15 locations. United Bank & Trust has a 5-star health rating.

United Bank & Trust Routing Number: 101115030

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Data for Q1 2012

Institution Statistics United Bank & Trust FDIC Certificate # 17477 BankRate Report View Year Established 1890 Employees 98 Primary Regulator FED Assets and Liabilities Assets $529.29 million Loans $312.83 million Deposits $407.09 million Equity Capital $63.26 million Loan Loss Allowance $5.30 million Unbacked Noncurrent Loans $261,000 Real Estate Owned $9.04 million Historic Data - March 2011 Assets $495.46 million Equity Capital $55.73 million Loan Loss Allowance $6.99 million Unbacked Noncurrent Loans $2.29 million Real Estate Owned $11.33 million Profit Margin - Quarterly Net Interest Margin 3.37% Return on Assets 0.96% Return on Equity 7.83% Interest Income $5.18 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, 2012 United Bank & Trust had $9.3 million in non-current loans and owned real-estate with $68.56 million in equity and loan loss allowances on hand to cover it. This gives United Bank & Trust a Texas Ratio of 13.56% which is above 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 decreased slightly from 21.71% as of March 31, 2011 to 13.56% as of March 31, 2012, resulting in a positive change of 37.53%.This indicates that the balance sheet and financial strength for United Bank & Trust has improved slightly in recent periods. Deposit Growth In the past year, United Bank & Trust has increased its total deposits by $16.9 million, resulting in 4.33% 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 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 has $529.29 million in assets with $68.56 million in equity, resulting in a capitalization level of 12.95%, which is excellent.

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