Union Bank and Trust Company (NE)

Union Bank and Trust Company (NE) is headquartered in Lincoln and is the 5^th largest bank in the state of Nebraska. It is also the 284^th largest bank in the nation. It was established in 1917 and as of March of 2012, it had grown to 655 employees at 37 locations. Union Bank and Trust Company (NE) has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Union Bank and Trust Company FDIC Certificate # 13421 BankRate Report View Year Established 1917 Employees 655 Primary Regulator FDIC Assets and Liabilities Assets $2.49 billion Loans $1.93 billion Deposits $2.09 billion Equity Capital $258.58 million Loan Loss Allowance $31.64 million Unbacked Noncurrent Loans $14.32 million Real Estate Owned $10.44 million Historic Data - March 2011 Assets $2.38 billion Equity Capital $232.49 million Loan Loss Allowance $26.93 million Unbacked Noncurrent Loans $14.10 million Real Estate Owned $9.14 million Profit Margin - Quarterly Net Interest Margin 3.46% Return on Assets 1.19% Return on Equity 11.66% Interest Income $25.24 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 Union Bank and Trust Company (NE) had $24.76 million in non-current loans and owned real-estate with $290.22 million in equity and loan loss allowances on hand to cover it. This gives Union Bank and Trust Company (NE) a Texas Ratio of 8.53% 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 Union Bank and Trust Company (NE) held steady from 8.20% as of March 31, 2011 to 8.53% as of March 31, 2012, resulting in a negative change of 4.03%. This indicates that the balance sheet and financial strength for Union Bank and Trust Company (NE) has held steady in recent periods. Deposit Growth In the past year, Union Bank and Trust Company (NE) has increased its total deposits by $84.02 million, resulting in 4.18% 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 Union Bank and Trust Company (NE) has shown is above average. 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. Union Bank and Trust Company (NE) has $2.49 billion in assets with $290.22 million in equity, resulting in a capitalization level of 11.66%, which is above average.

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