Institution Statistics
| United Minnesota Bank | | FDIC Certificate # | 10567 | | BankRate Report | View | | Year Established | 1890 | | Employees | 8 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $24.12 million | | Loans | $18.11 million | | Deposits | $21.98 million | | Equity Capital | $2.11 million | | Loan Loss Allowance | $200,000 | | Unbacked Noncurrent Loans | $133,000 | | Real Estate Owned | $542,000 |
Historic Data - March 2011 | | Assets | $26.12 million | | Equity Capital | $2.10 million | | Loan Loss Allowance | $303,000 | | Unbacked Noncurrent Loans | $306,000 | | Real Estate Owned | $344,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.92% | | Return on Assets | 1.16% | | Return on Equity | 13.7% | | Interest Income | $312,000 |
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Institution Health
Overall Score:
3 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 Minnesota Bank had $675,000 in non-current loans and owned real-estate with $2.31 million in equity and loan loss allowances on hand to cover it. This gives United Minnesota Bank a Texas Ratio of 29.22% 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 Minnesota Bank held steady from 27.08% as of March 31, 2011 to 29.22% as of March 31, 2012, resulting in a negative change of 7.89%. This indicates that the balance sheet and financial strength for United Minnesota Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, United Minnesota Bank has decreased its total deposits by -$1.92 million, resulting in -8.03% 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 Minnesota Bank has shown is poor. | | 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 Minnesota Bank has $24.12 million in assets with $2.31 million in equity, resulting in a capitalization level of 9.58%, which is average. |
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