United Bank of Union

United Bank of Union is headquartered in Union and is the 78^th largest bank in the state of Missouri. It is also the 2,270^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 72 employees at 3 locations. United Bank of Union has a 3-star health rating.

United Bank of Union Routing Number: 081905289

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Data for Q1 2012

Institution Statistics United Bank of Union FDIC Certificate # 14334 BankRate Report View Year Established 1934 Employees 72 Primary Regulator FDIC Assets and Liabilities Assets $287.32 million Loans $202.09 million Deposits $248.65 million Equity Capital $29.78 million Loan Loss Allowance $4.44 million Unbacked Noncurrent Loans $3.03 million Real Estate Owned $2.14 million Historic Data - March 2011 Assets $281.45 million Equity Capital $27.85 million Loan Loss Allowance $4.33 million Unbacked Noncurrent Loans $2.34 million Real Estate Owned $234,000 Profit Margin - Quarterly Net Interest Margin 3.89% Return on Assets 1.56% Return on Equity 14.72% Interest Income $3.28 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 United Bank of Union had $5.17 million in non-current loans and owned real-estate with $34.22 million in equity and loan loss allowances on hand to cover it. This gives United Bank of Union a Texas Ratio of 15.10% 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 United Bank of Union increased slightly from 8.00% as of March 31, 2011 to 15.10% as of March 31, 2012, resulting in a negative change of 88.69%. This indicates that the balance sheet and financial strength for United Bank of Union has declined slightly in recent periods. Deposit Growth In the past year, United Bank of Union has increased its total deposits by $5.83 million, resulting in 2.4% 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 United Bank of Union 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. United Bank of Union has $287.32 million in assets with $34.22 million in equity, resulting in a capitalization level of 11.91%, which is above average.

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