Union Bank & Trust Company

Union Bank & Trust Company is headquartered in Monticello and is the 51^st largest bank in the state of Arkansas. It is also the 3,122^nd largest bank in the nation. It was established in 1887 and as of March of 2012, it had grown to 62 employees at 4 locations. Union Bank & Trust Company has a 4-star health rating.

Data for Q1 2012

Institution Statistics Union Bank & Trust Company FDIC Certificate # 1753 BankRate Report View Year Established 1887 Employees 62 Primary Regulator FDIC Assets and Liabilities Assets $199.48 million Loans $115.32 million Deposits $158.03 million Equity Capital $19.30 million Loan Loss Allowance $3.06 million Unbacked Noncurrent Loans $2.32 million Real Estate Owned $312,000 Historic Data - March 2011 Assets $185.63 million Equity Capital $18.42 million Loan Loss Allowance $2.79 million Unbacked Noncurrent Loans $1.42 million Real Estate Owned $247,000 Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets 0.7% Return on Equity 7.09% 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 had $2.63 million in non-current loans and owned real-estate with $22.36 million in equity and loan loss allowances on hand to cover it. This gives Union Bank & Trust Company a Texas Ratio of 11.76% 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 & Trust Company held steady from 7.86% as of March 31, 2011 to 11.76% as of March 31, 2012, resulting in a negative change of 49.61%. This indicates that the balance sheet and financial strength for Union Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Union Bank & Trust Company has increased its total deposits by $14.17 million, resulting in 9.85% 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 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 & Trust Company has $199.48 million in assets with $22.36 million in equity, resulting in a capitalization level of 11.21%, which is above average.

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