University National Bank

University National Bank is headquartered in St. Paul and is the 13^st largest bank in the state of Minnesota. It is also the 1,069^th largest bank in the nation. It was established in 1962 and as of March of 2012, it had grown to 33 employees at 2 locations. University National Bank has a 3-star health rating.

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Data for Q1 2012

Institution Statistics University National Bank FDIC Certificate # 18561 BankRate Report View Year Established 1962 Employees 33 Primary Regulator OCC Assets and Liabilities Assets $624.42 million Loans $117.56 million Deposits $588.69 million Equity Capital $29.97 million Loan Loss Allowance $2.46 million Unbacked Noncurrent Loans $4.05 million Real Estate Owned $2.94 million Historic Data - March 2011 Assets $366.91 million Equity Capital $29.61 million Loan Loss Allowance $2.14 million Unbacked Noncurrent Loans $2.95 million Real Estate Owned $2.93 million Profit Margin - Quarterly Net Interest Margin 2.15% Return on Assets 3.56% Return on Equity 65.03% Interest Income $2.57 million

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 University National Bank had $6.99 million in non-current loans and owned real-estate with $32.42 million in equity and loan loss allowances on hand to cover it. This gives University National Bank a Texas Ratio of 21.56% 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 University National Bank held steady from 18.52% as of March 31, 2011 to 21.56% as of March 31, 2012, resulting in a negative change of 16.43%. This indicates that the balance sheet and financial strength for University National Bank has held steady in recent periods. Deposit Growth In the past year, University National Bank has increased its total deposits by $257.89 million, resulting in 77.96% 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 University National 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. University National Bank has $624.42 million in assets with $32.42 million in equity, resulting in a capitalization level of 5.19%, which is below average.

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