Highlands Union Bank

Highlands Union Bank is headquartered in Abingdon and is the 32^nd largest bank in the state of Virginia. It is also the 1,093^rd largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 210 employees at 14 locations. Highlands Union Bank has a 2-star health rating.

Highlands Union Bank Routing Number: 051404914

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Data for Q1 2012

Institution Statistics Highlands Union Bank FDIC Certificate # 26191 BankRate Report View Year Established 1985 Employees 210 Primary Regulator FED Assets and Liabilities Assets $611.71 million Loans $392.37 million Deposits $506.72 million Equity Capital $35.38 million Loan Loss Allowance $8.93 million Unbacked Noncurrent Loans $14.14 million Real Estate Owned $15.73 million Historic Data - March 2011 Assets $641.64 million Equity Capital $36.76 million Loan Loss Allowance $12.22 million Unbacked Noncurrent Loans $26.64 million Real Estate Owned $16.01 million Profit Margin - Quarterly Net Interest Margin 3.28% Return on Assets 0.36% Return on Equity 6.37% Interest Income $6.43 million

Institution Health Overall Score: 2 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 Highlands Union Bank had $29.88 million in non-current loans and owned real-estate with $44.31 million in equity and loan loss allowances on hand to cover it. This gives Highlands Union Bank a Texas Ratio of 67.42% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Highlands Union Bank decreased slightly from 87.06% as of March 31, 2011 to 67.42% as of March 31, 2012, resulting in a positive change of 22.56%.This indicates that the balance sheet and financial strength for Highlands Union Bank has improved slightly in recent periods. Deposit Growth In the past year, Highlands Union Bank has decreased its total deposits by -$27.95 million, resulting in -5.23% 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 Highlands Union 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. Highlands Union Bank has $611.71 million in assets with $44.31 million in equity, resulting in a capitalization level of 7.24%, which is below average.

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