Union First Market Bank

Union First Market Bank is headquartered in Richmond and is the 7^th largest bank in the state of Virginia. It is also the 204^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 1,041 employees at 99 locations. Union First Market Bank's savings rates are 4X the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Union First Market Bank FDIC Certificate # 34589 BankRate Report View Year Established 1997 Employees 1041 Primary Regulator FED Assets and Liabilities Assets $3.93 billion Loans $2.88 billion Deposits $3.22 billion Equity Capital $471.77 million Loan Loss Allowance $40.20 million Unbacked Noncurrent Loans $54.66 million Real Estate Owned $37.66 million Historic Data - March 2011 Assets $3.78 billion Equity Capital $439.85 million Loan Loss Allowance $40.40 million Unbacked Noncurrent Loans $73.49 million Real Estate Owned $38.67 million Profit Margin - Quarterly Net Interest Margin 4.43% Return on Assets 0.88% Return on Equity 7.33% Interest Income $46.03 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 First Market Bank had $92.32 million in non-current loans and owned real-estate with $511.98 million in equity and loan loss allowances on hand to cover it. This gives Union First Market Bank a Texas Ratio of 18.03% 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 First Market Bank decreased slightly from 23.35% as of March 31, 2011 to 18.03% as of March 31, 2012, resulting in a positive change of 22.79%.This indicates that the balance sheet and financial strength for Union First Market Bank has improved slightly in recent periods. Deposit Growth In the past year, Union First Market Bank has increased its total deposits by $124.12 million, resulting in 4% 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 First Market Bank 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 First Market Bank has $3.93 billion in assets with $511.98 million in equity, resulting in a capitalization level of 13.04%, which is excellent.

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