United Prairie Bank

United Prairie Bank is headquartered in Mountain Lake and is the 18^st largest bank in the state of Minnesota. It is also the 1,170^th largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 177 employees at 15 locations. United Prairie Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics United Prairie Bank FDIC Certificate # 10958 BankRate Report View Year Established 1919 Employees 177 Primary Regulator FDIC Assets and Liabilities Assets $578.55 million Loans $399.29 million Deposits $502.73 million Equity Capital $57.08 million Loan Loss Allowance $6.50 million Unbacked Noncurrent Loans $5.47 million Real Estate Owned $1.49 million Historic Data - March 2011 Assets $535.89 million Equity Capital $54.89 million Loan Loss Allowance $5.83 million Unbacked Noncurrent Loans $2.97 million Real Estate Owned $2.16 million Profit Margin - Quarterly Net Interest Margin 4.04% Return on Assets 0.75% Return on Equity 7.41% Interest Income $6.32 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 Prairie Bank had $6.96 million in non-current loans and owned real-estate with $63.57 million in equity and loan loss allowances on hand to cover it. This gives United Prairie Bank a Texas Ratio of 10.95% 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 Prairie Bank held steady from 8.46% as of March 31, 2011 to 10.95% as of March 31, 2012, resulting in a negative change of 29.45%. This indicates that the balance sheet and financial strength for United Prairie Bank has held steady in recent periods. Deposit Growth In the past year, United Prairie Bank has increased its total deposits by $41.02 million, resulting in 8.88% 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 Prairie 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 Prairie Bank has $578.55 million in assets with $63.57 million in equity, resulting in a capitalization level of 10.99%, which is above average.

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