West Union Bank

West Union Bank is headquartered in West Union and is the 44^th largest bank in the state of West Virginia. It is also the 4,420^th largest bank in the nation. It was established in 1893 and as of March of 2012, it had grown to 45 employees at 5 locations. West Union Bank's savings rates are 3X the national average, and it boasts a 5-star health rating.

West Union Bank Routing Number: 051502159

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Data for Q1 2012

Institution Statistics West Union Bank FDIC Certificate # 2452 BankRate Report View Year Established 1893 Employees 45 Primary Regulator FDIC Assets and Liabilities Assets $121.78 million Loans $68.89 million Deposits $104.21 million Equity Capital $12.68 million Loan Loss Allowance $702,000 Unbacked Noncurrent Loans $1.13 million Historic Data - March 2011 Assets $111.99 million Equity Capital $12.19 million Loan Loss Allowance $699,000 Unbacked Noncurrent Loans $1.41 million Profit Margin - Quarterly Net Interest Margin 3.59% Return on Assets 0.47% Return on Equity 4.4% Interest Income $1.18 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 West Union Bank had $1.13 million in non-current loans and owned real-estate with $13.38 million in equity and loan loss allowances on hand to cover it. This gives West Union Bank a Texas Ratio of 8.48% 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 West Union Bank decreased slightly from 10.92% as of March 31, 2011 to 8.48% as of March 31, 2012, resulting in a positive change of 22.37%.This indicates that the balance sheet and financial strength for West Union Bank has improved slightly in recent periods. Deposit Growth In the past year, West Union Bank has increased its total deposits by $8.33 million, resulting in 8.69% 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 West Union Bank 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. West Union Bank has $121.78 million in assets with $13.38 million in equity, resulting in a capitalization level of 10.99%, which is above average.

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