Union Bank, Inc.

107 Dodd Street
Middlebourne, WV 26149
304-758-2191
www.hometownbanc.com

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Union Bank, Inc. is headquartered in Middlebourne and is the 30^th largest bank in the state of West Virginia. It is also the 3,093^rd largest bank in the nation. It was established in 1947 and as of March of 2012, it had grown to 69 employees at 8 locations. Union Bank, Inc. has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Union Bank, Inc. Checking Account Rates

Apy	Min	Max	Product
0.03%	$500	-	NOW Account
0.03%	$100	-	Hometown Checking Account
0.03%	$100	-	Hometown 50 Checking Account
0.03%	$100	-	Hometown Plus Checking Account
0.03%	$100	-	Hometown 50 Plus Checking Account

Union Bank, Inc. Savings Account Rates

Apy	Min	Max	Product
0.20%	-	-	Christmas Club Account
0.10%	$50	-	Regular Savings Account
0.10%	$50	-	Statement Savings Account
0.10%	$25	-	Student-Minor (under 21) Statement Savings

Union Bank, Inc. Money Market Rates

Apy	Min	Max	Product
0.55%	$100k	-	Money Market Deposit Plus Account
0.55%	$100k	-	Business Money Market Deposit Account
0.10%	$1k	-	Money Market Deposit Account

Union Bank, Inc. CD Rates

Apy	Min	Max	Product
1.61%	$100k	-	60 Month Preferred CD
1.56%	$100k	-	60 Month CD
1.36%	$100k	-	48 Month Preferred CD
1.31%	$100k	-	48 Month CD
1.15%	$100k	-	36 Month Preferred CD
1.10%	$100k	-	36 Month CD
0.90%	$100k	-	42 Month Preferred CD
0.85%	$100k	-	42 Month CD
0.85%	$100k	-	29 Month Preferred CD
0.80%	$100k	-	29 Month CD
0.75%	$100k	-	24 Month Preferred CD
0.70%	$100k	-	24 Month CD
0.65%	$100k	-	30 Month Preferred CD
0.60%	$100k	-	30 Month CD
0.55%	$100k	-	12 Month Preferred CD
0.55%	$100k	-	18 Month Preferred CD
0.50%	$100k	-	12 Month CD
0.50%	$100k	-	18 Month CD
0.25%	$100k	-	6 Month Preferred CD
0.20%	$100k	-	6 Month CD
0.20%	$100k	-	7 Month Preferred CD
0.20%	$100k	-	9 Month Preferred CD
0.20%	$100k	-	15 Month Preferred CD
0.20%	$100k	-	16 Month Preferred CD
0.15%	$100k	-	7 Month CD
0.15%	$100k	-	9 Month CD
0.15%	$100k	-	15 Month CD
0.15%	$100k	-	16 Month CD

Union Bank, Inc. IRA Rates

Apy	Min	Max	Product
1.61%	$100k	-	60 Month Preferred IRA
1.56%	$100k	-	60 Month IRA
1.36%	$100k	-	48 Month Preferred IRA
1.31%	$100k	-	48 Month IRA
1.15%	$100k	-	36 Month Preferred IRA
1.10%	$100k	-	36 Month IRA
0.90%	$100k	-	42 Month Preferred IRA
0.85%	$100k	-	29 Month Preferred IRA
0.85%	$100k	-	42 Month IRA
0.80%	$100k	-	29 Month IRA
0.75%	$100k	-	24 Month Preferred IRA
0.70%	$100k	-	24 Month IRA
0.65%	$100k	-	30 Month Preferred IRA
0.60%	$50k	-	30 Month IRA
0.55%	$100k	-	12 Month Preferred IRA
0.50%	$100k	-	12 Month IRA
0.50%	$100k	-	18 Month IRA
0.50%	$50k	-	18 Month Preferred IRA
0.25%	$100k	-	6 Month Preferred IRA
0.20%	$100k	-	6 Month IRA
0.20%	$100k	-	7 Month Preferred IRA
0.20%	$100k	-	15 Month Preferred IRA
0.15%	$100k	-	7 Month IRA
0.15%	$100k	-	9 Month IRA
0.15%	$100k	-	9 Month Preferred IRA
0.15%	$100k	-	15 Month IRA
0.15%	$100k	-	16 Month IRA
0.15%	$50k	-	16 Month Preferred IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Union Bank, Inc.
FDIC Certificate #	16620
BankRate Report	View
Year Established	1947
Employees	69
Primary Regulator	FDIC
Assets and Liabilities
Assets	$201.89 million
Loans	$73.97 million
Deposits	$175.86 million
Equity Capital	$23.56 million
Loan Loss Allowance	$990,000
Unbacked Noncurrent Loans	$375,000
Real Estate Owned	$74,000
Historic Data - March 2011
Assets	$188.68 million
Equity Capital	$21.84 million
Loan Loss Allowance	$1.09 million
Unbacked Noncurrent Loans	$567,000
Profit Margin - Quarterly
Net Interest Margin	3.44%
Return on Assets	1.25%
Return on Equity	10.33%
Interest Income	$1.90 million

Institution Health

Overall Score:

5 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, Inc. had $449,000 in non-current loans and owned real-estate with $24.54 million in equity and loan loss allowances on hand to cover it. This gives Union Bank, Inc. a Texas Ratio of 1.83% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Union Bank, Inc. decreased slightly from 2.47% as of March 31, 2011 to 1.83% as of March 31, 2012, resulting in a positive change of 26.05%.This indicates that the balance sheet and financial strength for Union Bank, Inc. has improved slightly in recent periods.
Deposit Growth
In the past year, Union Bank, Inc. has increased its total deposits by $12.08 million, resulting in 7.37% 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, Inc. 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. Union Bank, Inc. has $201.89 million in assets with $24.54 million in equity, resulting in a capitalization level of 12.16%, which is excellent.

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