Union Bank of Blair

Union Bank of Blair is headquartered in Blair and is the 204^th largest bank in the state of Wisconsin. It is also the 5,456^th largest bank in the nation. It was established in 1899 and as of March of 2012, it had grown to 16 employees at 1 location. Union Bank of Blair's savings rates are 2X the national average, and it has a 4-star health rating.

Union Bank of Blair Routing Number: 091804558

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Data for Q1 2012

Institution Statistics Union Bank of Blair FDIC Certificate # 13580 BankRate Report View Year Established 1899 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $80.59 million Loans $67.78 million Deposits $70.50 million Equity Capital $8.13 million Loan Loss Allowance $959,000 Unbacked Noncurrent Loans $905,000 Real Estate Owned $581,000 Historic Data - March 2011 Assets $77.45 million Equity Capital $7.09 million Loan Loss Allowance $871,000 Unbacked Noncurrent Loans $1.02 million Real Estate Owned $473,000 Profit Margin - Quarterly Net Interest Margin 4.44% Return on Assets 2.35% Return on Equity 23.68% Interest Income $1.10 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 of Blair had $1.49 million in non-current loans and owned real-estate with $9.09 million in equity and loan loss allowances on hand to cover it. This gives Union Bank of Blair a Texas Ratio of 16.35% which is 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 of Blair held steady from 18.68% as of March 31, 2011 to 16.35% as of March 31, 2012, resulting in a positive change of 12.47%.This indicates that the balance sheet and financial strength for Union Bank of Blair has held steady in recent periods. Deposit Growth In the past year, Union Bank of Blair has increased its total deposits by $2.68 million, resulting in 3.95% 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 of Blair 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 of Blair has $80.58 million in assets with $9.09 million in equity, resulting in a capitalization level of 11.28%, which is above average.

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