Union National Bank & Trust Company

Union National Bank & Trust Company Locations

124 West Oak Street
Sparta, WI 54656
(608) 269-6737
www.unbsparta.com

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Union National Bank & Trust Company is headquartered in Sparta and is the 183^rd largest bank in the state of Wisconsin. It is also the 5,010^st largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 21 employees at 2 locations. Union National Bank & Trust Company has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Union National Bank & Trust Company Checking Account Rates

Apy	Min	Max	Product
0.25%	$2,500	-	Super Now Checking Account
0.15%	$200	-	Now Checking Account

Union National Bank & Trust Company Savings Account Rates

	Apy	Min	Max	Product
	0.20%	$50	-	Savings Account

Union National Bank & Trust Company Money Market Rates

	Apy	Min	Max	Product
	0.25%	$2,500	-	Hi-Fi Money Market Account

Union National Bank & Trust Company CD Rates

Apy	Min	Max	Product
1.75%	$2,500	-	60 Month Interest Paid Semi-Annually CD
1.75%	$2,500	-	60 Month Interest Paid Monthly CD
1.75%	$2,500	-	60 Month Interest Paid Quarterly CD
1.74%	$2,500	-	60 Month Interest Paid Annually CD
1.55%	$2,500	-	48 Month Interest Paid Semi-Annually CD
1.55%	$2,500	-	48 Month Interest Paid Monthly CD
1.55%	$2,500	-	48 Month Interest Paid Quarterly CD
1.54%	$2,500	-	48 Month Interest Paid Annually CD
1.35%	$1k	-	36 Month Interest Paid Monthly CD
1.35%	$1k	-	36 Month Interest Paid Quarterly CD
1.34%	$1k	-	36 Month Interest Paid Annually CD
1.34%	$1k	-	36 Month Interest Paid Semi-Annually CD
1.04%	$500	-	24 Month Interest Paid Annually CD
1.04%	$500	-	24 Month Interest Paid Semi-Annually CD
1.04%	$500	-	24 Month Interest Paid Monthly CD
1.04%	$500	-	24 Month Interest Paid Quarterly CD
0.70%	$500	-	12 Month Interest Paid Annually CD
0.70%	$500	-	12 Month Interest Paid Semi-Annually CD
0.70%	$500	-	12 Month Interest Paid Monthly CD
0.70%	$500	-	12 Month Interest Paid Quarterly CD

Union National Bank & Trust Company IRA Rates

Apy	Min	Max	Product
1.55%	$50	-	48 Month Interest Paid Semi-Annually IRA
1.55%	$50	-	48 Month Interest Paid Semi-Annually Roth IRA
1.34%	$50	-	36 Month Interest Paid Semi-Annually IRA
1.34%	$50	-	36 Month Interest Paid Semi-Annually Roth IRA
1.04%	$50	-	24 Month Interest Paid Semi-Annually IRA
1.04%	$50	-	24 Month Interest Paid Semi-Annually Roth IRA
0.87%	$50	-	18 Month Interest Paid Semi-Annually IRA
0.87%	$50	-	18 Month Interest Paid Semi-Annually Roth IRA
0.70%	$50	-	12 Month Interest Paid Semi-Annually IRA
0.70%	$50	-	12 Month Interest Paid Semi-Annually Roth IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Union National Bank & Trust Company
FDIC Certificate #	5325
BankRate Report	View
Year Established	1934
Employees	21
Primary Regulator	OCC
Assets and Liabilities
Assets	$97.89 million
Loans	$66.69 million
Deposits	$80.84 million
Equity Capital	$15.99 million
Loan Loss Allowance	$378,000
Unbacked Noncurrent Loans	$1.00 million
Historic Data - March 2011
Assets	$93.40 million
Equity Capital	$14.69 million
Loan Loss Allowance	$454,000
Unbacked Noncurrent Loans	$918,000
Profit Margin - Quarterly
Net Interest Margin	4.07%
Return on Assets	1.45%
Return on Equity	9.03%
Interest Income	$1.12 million

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 March 31, 2012 Union National Bank & Trust Company had $1 million in non-current loans and owned real-estate with $16.37 million in equity and loan loss allowances on hand to cover it. This gives Union National Bank & Trust Company a Texas Ratio of 6.13% 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 National Bank & Trust Company held steady from 6.06% as of March 31, 2011 to 6.13% as of March 31, 2012, resulting in a negative change of 1.05%. This indicates that the balance sheet and financial strength for Union National Bank & Trust Company has held steady in recent periods.
Deposit Growth
In the past year, Union National Bank & Trust Company has increased its total deposits by $3.38 million, resulting in 4.37% 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 & Trust Company 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 National Bank & Trust Company has $97.89 million in assets with $16.37 million in equity, resulting in a capitalization level of 16.72%, which is excellent.

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