Institution Statistics
| Union State Bank | | FDIC Certificate # | 16788 | | BankRate Report | View | | Year Established | 1901 | | Employees | 16 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $40.90 million | | Loans | $25.30 million | | Deposits | $33.27 million | | Equity Capital | $3.37 million | | Loan Loss Allowance | $373,000 | | Unbacked Noncurrent Loans | $411,000 |
Historic Data - March 2011 | | Assets | $35.81 million | | Equity Capital | $3.21 million | | Loan Loss Allowance | $375,000 | | Unbacked Noncurrent Loans | $198,000 | | Real Estate Owned | $75,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.15% | | Return on Assets | 0.83% | | Return on Equity | 10.11% | | Interest Income | $470,000 |
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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 State Bank (16788) had $411,000 in non-current loans and owned real-estate with $3.75 million in equity and loan loss allowances on hand to cover it. This gives Union State Bank (16788) a Texas Ratio of 10.97% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Union State Bank (16788) held steady from 7.63% as of March 31, 2011 to 10.97% as of March 31, 2012, resulting in a negative change of 43.88%. This indicates that the balance sheet and financial strength for Union State Bank (16788) has held steady in recent periods. | | Deposit Growth |  | | In the past year, Union State Bank (16788) has increased its total deposits by $5.66 million, resulting in 20.48% 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 State Bank (16788) 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 State Bank (16788) has $40.9 million in assets with $3.75 million in equity, resulting in a capitalization level of 9.16%, which is average. |
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