Union Bank, Inc.
Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) and a capital leverage ratio of 10.3. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (7.2) profitability.
Other Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Good asset quality (6.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Securities (43%), home mtgs (16%), cash (11%), comm re (8%), comm loans (3%), consumer loans (1%), home eq lns (1%), other (18%)
States with Branches:
WV
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Hometown Bancshares, Inc.
Investment Rating
--
Address
103 Dodd Street
Middlebourne, WV 26149
Middlebourne, WV 26149
Phone Number
(304) 758-2191
Year Founded
1947
FDIC Number
Website
Largest Affiliates
No affiliate information available.