Union Building and Loan Savings Bank

Union Building and Loan Savings Bank is headquartered in West Bridgewater and is the 195^th largest bank in the state of Pennsylvania. It is also the 6,614^st largest bank in the nation. It was established in 1893 and as of March of 2012, it had grown to 7 employees at 1 location. Union Building and Loan Savings Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Union Building and Loan Savings Bank FDIC Certificate # 29967 BankRate Report View Year Established 1893 Employees 7 Primary Regulator FDIC Assets and Liabilities Assets $41.85 million Loans $31.53 million Deposits $34.76 million Equity Capital $6.98 million Loan Loss Allowance $336,000 Unbacked Noncurrent Loans $1.21 million Real Estate Owned $175,000 Historic Data - March 2011 Assets $41.26 million Equity Capital $6.73 million Loan Loss Allowance $316,000 Unbacked Noncurrent Loans $968,000 Real Estate Owned $379,000 Profit Margin - Quarterly Net Interest Margin 3.45% Return on Assets 0.68% Return on Equity 4.09% Interest Income $472,000

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 Building and Loan Savings Bank had $1.38 million in non-current loans and owned real-estate with $7.31 million in equity and loan loss allowances on hand to cover it. This gives Union Building and Loan Savings Bank a Texas Ratio of 18.89% 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 Building and Loan Savings Bank held steady from 19.11% as of March 31, 2011 to 18.89% as of March 31, 2012, resulting in a positive change of 1.15%.This indicates that the balance sheet and financial strength for Union Building and Loan Savings Bank has held steady in recent periods. Deposit Growth In the past year, Union Building and Loan Savings Bank has increased its total deposits by $337,000, resulting in 0.98% 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 Building and Loan Savings Bank 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 Building and Loan Savings Bank has $41.85 million in assets with $7.31 million in equity, resulting in a capitalization level of 17.47%, which is excellent.

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