Union Federal Savings and Loan Association

Union Federal Savings and Loan Association is headquartered in Kewanee and is the 306^th largest bank in the state of Illinois. It is also the 4,402^nd largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 34 employees at 7 locations. Union Federal Savings and Loan Association has a 3-star health rating.

Data for Q1 2012

Institution Statistics Union Federal Savings and Loan Association OTS # 00244 FDIC Certificate # 27767 BankRate Report View Year Established 1890 Employees 34 Primary Regulator OCC Assets and Liabilities Assets $122.81 million Loans $91.81 million Deposits $104.36 million Equity Capital $9.75 million Loan Loss Allowance $645,000 Unbacked Noncurrent Loans $2.01 million Real Estate Owned $823,000 Historic Data - March 2011 Assets $125.64 million Equity Capital $9.36 million Loan Loss Allowance $373,000 Unbacked Noncurrent Loans $623,000 Real Estate Owned $1.30 million Profit Margin - Quarterly Net Interest Margin 3.67% Return on Assets -0.54% Return on Equity -6.71% Interest Income $1.40 million

Institution Health Overall Score: 3 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 Federal Savings and Loan Association had $2.83 million in non-current loans and owned real-estate with $10.4 million in equity and loan loss allowances on hand to cover it. This gives Union Federal Savings and Loan Association a Texas Ratio of 27.23% 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 Federal Savings and Loan Association increased slightly from 19.73% as of March 31, 2011 to 27.23% as of March 31, 2012, resulting in a negative change of 38.00%. This indicates that the balance sheet and financial strength for Union Federal Savings and Loan Association has declined slightly in recent periods. Deposit Growth In the past year, Union Federal Savings and Loan Association has increased its total deposits by $769,000, resulting in 0.74% 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 Federal Savings and Loan Association 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 Federal Savings and Loan Association has $122.81 million in assets with $10.4 million in equity, resulting in a capitalization level of 8.47%, which is average.

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