Union Bank & Trust Company (WI)

Union Bank & Trust Company (WI) is headquartered in Evansville and is the 111^st largest bank in the state of Wisconsin. It is also the 3,186^th largest bank in the nation. It was established in 1897 and as of March of 2012, it had grown to 47 employees at 5 locations. Union Bank & Trust Company (WI) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Union Bank & Trust Company FDIC Certificate # 15177 BankRate Report View Year Established 1897 Employees 47 Primary Regulator FED Assets and Liabilities Assets $195.45 million Loans $116.49 million Deposits $175.35 million Equity Capital $17.73 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $2.20 million Real Estate Owned $1.46 million Historic Data - March 2011 Assets $190.94 million Equity Capital $16.39 million Loan Loss Allowance $2.18 million Unbacked Noncurrent Loans $2.32 million Real Estate Owned $2.46 million Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 0.85% Return on Equity 9.47% Interest Income $2.13 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 & Trust Company (WI) had $3.66 million in non-current loans and owned real-estate with $18.78 million in equity and loan loss allowances on hand to cover it. This gives Union Bank & Trust Company (WI) a Texas Ratio of 19.46% 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 & Trust Company (WI) decreased slightly from 25.75% as of March 31, 2011 to 19.46% as of March 31, 2012, resulting in a positive change of 24.44%.This indicates that the balance sheet and financial strength for Union Bank & Trust Company (WI) has improved slightly in recent periods. Deposit Growth In the past year, Union Bank & Trust Company (WI) has increased its total deposits by $3.65 million, resulting in 2.13% 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 & Trust Company (WI) 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 & Trust Company (WI) has $195.45 million in assets with $18.78 million in equity, resulting in a capitalization level of 9.61%, which is average.

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