United Community Bank of North Dakota

United Community Bank of North Dakota is headquartered in Leeds and is the 22^nd largest bank in the state of North Dakota. It is also the 2,610^st largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 38 employees at 4 locations. United Community Bank of North Dakota has a 5-star health rating.

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Data for Q1 2012

Institution Statistics United Community Bank of North Dakota FDIC Certificate # 10249 BankRate Report View Year Established 1912 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $246.15 million Loans $159.28 million Deposits $219.01 million Equity Capital $22.15 million Loan Loss Allowance $1.92 million Historic Data - March 2011 Assets $204.52 million Equity Capital $16.98 million Loan Loss Allowance $1.81 million Unbacked Noncurrent Loans $455,000 Real Estate Owned $86,000 Profit Margin - Quarterly Net Interest Margin 4.97% Return on Assets 2.39% Return on Equity 27.01% Interest Income $3.00 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 Community Bank of North Dakota had $0 in non-current loans and owned real-estate with $24.07 million in equity and loan loss allowances on hand to cover it. This gives United Community Bank of North Dakota a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, United Community Bank of North Dakota has increased its total deposits by $39.17 million, resulting in 21.78% 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 Community Bank of North Dakota 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 Community Bank of North Dakota has $246.15 million in assets with $24.07 million in equity, resulting in a capitalization level of 9.78%, which is average.

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