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 1,222^nd largest bank in the nation. It was established in 1890 and as of December of 2012, it had grown to 95 employees at 15 locations. United Bank & Trust has a 4-star health rating.

United Bank & Trust Routing Number: 101115030

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Data for Q4 2012

Institution Statistics United Bank & Trust FDIC Certificate # 17477 BankRate Report View Year Established 1890 Employees 95 Primary Regulator FED Assets and Liabilities Assets $547.46 million Loans $342.63 million Deposits $421.42 million Equity Capital $64.98 million Loan Loss Allowance $5.20 million Unbacked Noncurrent Loans $2.84 million Real Estate Owned $9.00 million Historic Data - December 2011 Assets $503.37 million Equity Capital $63.06 million Loan Loss Allowance $5.15 million Unbacked Noncurrent Loans $778,000 Real Estate Owned $9.06 million Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 0.86% Return on Equity 7.09% Interest Income $20.91 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 December 31, 2012 United Bank & Trust had $11.84 million in non-current loans and owned real-estate with $70.18 million in equity and loan loss allowances on hand to cover it. This gives United Bank & Trust a Texas Ratio of 16.87% 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 held steady from 14.42% as of December 31, 2011 to 16.87% as of December 31, 2012, resulting in a negative change of 16.98%. This indicates that the balance sheet and financial strength for United Bank & Trust has held steady in recent periods. Deposit Growth In the past year, United Bank & Trust has increased its total deposits by $37.12 million, resulting in 9.66% 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 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 has $547.46 million in assets with $70.18 million in equity, resulting in a capitalization level of 12.82%, which is excellent.

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