United Bankers' Bank

United Bankers' Bank is headquartered in Bloomington and is the 11^st largest bank in the state of Minnesota. It is also the 1,047^th largest bank in the nation. It was established in 1975 and as of March of 2012, it had grown to 97 employees at 1 location. United Bankers' Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics United Bankers' Bank FDIC Certificate # 22180 BankRate Report View Year Established 1975 Employees 97 Primary Regulator FED Assets and Liabilities Assets $633.93 million Loans $250.45 million Deposits $567.76 million Equity Capital $57.45 million Loan Loss Allowance $10.89 million Unbacked Noncurrent Loans $11.48 million Real Estate Owned $5.02 million Historic Data - March 2011 Assets $583.09 million Equity Capital $47.64 million Loan Loss Allowance $10.79 million Unbacked Noncurrent Loans $13.68 million Real Estate Owned $6.59 million Profit Margin - Quarterly Net Interest Margin 2.77% Return on Assets 0.82% Return on Equity 8.7% Interest Income $3.96 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 Bankers' Bank had $16.49 million in non-current loans and owned real-estate with $68.33 million in equity and loan loss allowances on hand to cover it. This gives United Bankers' Bank a Texas Ratio of 24.14% 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 Bankers' Bank decreased slightly from 34.69% as of March 31, 2011 to 24.14% as of March 31, 2012, resulting in a positive change of 30.42%.This indicates that the balance sheet and financial strength for United Bankers' Bank has improved slightly in recent periods. Deposit Growth In the past year, United Bankers' Bank has increased its total deposits by $92.5 million, resulting in 19.46% 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 Bankers' Bank 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 Bankers' Bank has $633.93 million in assets with $68.33 million in equity, resulting in a capitalization level of 10.78%, which is above average.

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