Union Bank and Trust Company

Union Bank and Trust Company is headquartered in Pottsville and is the 168^th largest bank in the state of Pennsylvania. It is also the 4,515^st largest bank in the nation. It was established in 1896 and as of March of 2012, it had grown to 54 employees at 7 locations. Union Bank and Trust Company has a 4-star health rating.

Data for Q1 2012

Institution Statistics Union Bank and Trust Company FDIC Certificate # 9893 BankRate Report View Year Established 1896 Employees 54 Primary Regulator FDIC Assets and Liabilities Assets $117.69 million Loans $68.70 million Deposits $106.37 million Equity Capital $10.28 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $1.13 million Real Estate Owned $388,000 Historic Data - March 2011 Assets $119.40 million Equity Capital $10.50 million Loan Loss Allowance $1.16 million Unbacked Noncurrent Loans $1.48 million Real Estate Owned $95,000 Profit Margin - Quarterly Net Interest Margin 4.11% Return on Assets 0.35% Return on Equity 3.93% Interest Income $1.14 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 had $1.52 million in non-current loans and owned real-estate with $11.46 million in equity and loan loss allowances on hand to cover it. This gives Union Bank and Trust Company a Texas Ratio of 13.23% 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 decreased slightly from 18.90% as of March 31, 2011 to 13.23% as of March 31, 2012, resulting in a positive change of 30.03%.This indicates that the balance sheet and financial strength for Union Bank and Trust Company has improved slightly in recent periods. Deposit Growth In the past year, Union Bank and Trust Company has decreased its total deposits by -$1.51 million, resulting in -1.4% 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 has shown is below 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 has $117.69 million in assets with $11.46 million in equity, resulting in a capitalization level of 9.73%, which is average.

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