Union National Bank and Trust Company of Elgin

Union National Bank and Trust Company of Elgin is headquartered in Elgin and is the 107^th largest bank in the state of Illinois. It is also the 1,665^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 24 employees at 2 locations. Union National Bank and Trust Company of Elgin has a 1-star health rating.

Data for Q1 2012

Institution Statistics Union National Bank and Trust Company of Elgin FDIC Certificate # 3661 BankRate Report View Year Established 1904 Employees 24 Primary Regulator OCC Assets and Liabilities Assets $400.81 million Loans $297.75 million Deposits $378.13 million Equity Capital $21.46 million Loan Loss Allowance $12.37 million Unbacked Noncurrent Loans $21.55 million Real Estate Owned $22.20 million Historic Data - March 2011 Assets $468.59 million Equity Capital $42.36 million Loan Loss Allowance $6.14 million Unbacked Noncurrent Loans $46.26 million Real Estate Owned $18.03 million Profit Margin - Quarterly Net Interest Margin 3.34% Return on Assets 0.24% Return on Equity 4.48% Interest Income $4.15 million

Institution Health Overall Score: 1 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 National Bank and Trust Company of Elgin had $43.75 million in non-current loans and owned real-estate with $33.83 million in equity and loan loss allowances on hand to cover it. This gives Union National Bank and Trust Company of Elgin a Texas Ratio of 129.34% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Union National Bank and Trust Company of Elgin held steady from 133.78% as of March 31, 2011 to 129.34% as of March 31, 2012, resulting in a positive change of 3.32%.This indicates that the balance sheet and financial strength for Union National Bank and Trust Company of Elgin has held steady in recent periods. Deposit Growth In the past year, Union National Bank and Trust Company of Elgin has decreased its total deposits by -$47.66 million, resulting in -11.19% 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 National Bank and Trust Company of Elgin has shown is poor. 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 National Bank and Trust Company of Elgin has $400.81 million in assets with $33.83 million in equity, resulting in a capitalization level of 8.44%, which is average.

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