Union Bank (MO)

Union Bank (MO) is headquartered in Kansas City and is the 54^th largest bank in the state of Missouri. It is also the 1,462^nd largest bank in the nation. It was established in 1965 and as of March of 2012, it had grown to 100 employees at 11 locations. Union Bank (MO)'s money market rates are 48% higher than the national average, but it has a 1-star health rating.

Union Bank (MO) Checking Account Rates

Union Bank (MO) Savings Account Rates

Union Bank (MO) Money Market Rates

Union Bank (MO) CD Rates

Data for Q1 2012

Institution Statistics Union Bank FDIC Certificate # 19582 BankRate Report View Year Established 1965 Employees 100 Primary Regulator FDIC Assets and Liabilities Assets $456.37 million Loans $322.67 million Deposits $413.90 million Equity Capital $16.30 million Loan Loss Allowance $18.59 million Unbacked Noncurrent Loans $28.30 million Real Estate Owned $35.74 million Historic Data - March 2011 Assets $512.17 million Equity Capital $33.87 million Loan Loss Allowance $29.79 million Unbacked Noncurrent Loans $34.16 million Real Estate Owned $44.16 million Profit Margin - Quarterly Net Interest Margin 3.32% Return on Assets -1.43% Return on Equity -38.3% Interest Income $4.21 million

Institution Health Overall Score: 1 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 (MO) had $64.04 million in non-current loans and owned real-estate with $34.89 million in equity and loan loss allowances on hand to cover it. This gives Union Bank (MO) a Texas Ratio of 183.55% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Union Bank (MO) increased slightly from 123.04% as of March 31, 2011 to 183.55% as of March 31, 2012, resulting in a negative change of 49.19%. This indicates that the balance sheet and financial strength for Union Bank (MO) has declined slightly in recent periods. Deposit Growth In the past year, Union Bank (MO) has increased its total deposits by $1.88 million, resulting in 0.46% 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 (MO) has shown is 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 (MO) has $456.37 million in assets with $34.89 million in equity, resulting in a capitalization level of 7.65%, which is below average.

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