Institution Statistics
| Union County Savings Bank | | FDIC Certificate # | 12013 | | BankRate Report | View | | Year Established | 1883 | | Employees | 43 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $1.60 billion | | Loans | $108.51 million | | Deposits | $1.40 billion | | Equity Capital | $193.19 million | | Loan Loss Allowance | $629,000 | | Unbacked Noncurrent Loans | $2.45 million | | Real Estate Owned | $278,000 |
Historic Data - December 2011 | | Assets | $1.48 billion | | Equity Capital | $186.39 million | | Loan Loss Allowance | $629,000 | | Unbacked Noncurrent Loans | $443,000 | | Real Estate Owned | $445,000 |
Profit Margin - Quarterly | | Net Interest Margin | 1.15% | | Return on Assets | 0.74% | | Return on Equity | 6.04% | | Interest Income | $34.97 million |
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Institution Health
Overall Score:
5 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 December 31, 2012 Union County Savings Bank had $2.73 million in non-current loans and owned real-estate with $193.82 million in equity and loan loss allowances on hand to cover it. This gives Union County Savings Bank a Texas Ratio of 1.41% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Union County Savings Bank decreased significantly from (infinite) as of December 31, 2011 to 1.41% as of December 31, 2012, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for Union County Savings Bank has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Union County Savings Bank has increased its total deposits by $115.89 million, resulting in 9.05% 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 County Savings Bank 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 County Savings Bank has $1.6 billion in assets with $193.82 million in equity, resulting in a capitalization level of 12.11%, which is excellent. |
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