Union Bank & Trust Company
Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (3.5) profitability. A current level of 5.6 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Good asset quality (5.3).
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Asset Mix:
Home mtgs (20%), comm loans (19%), comm re (18%), securities (15%), consumer loans (5%), cash (4%), home eq lns (1%), other (17%)
States with Branches:
AR
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
First Union Financial Corporation
Investment Rating
--
Address
102 West McCloy Street
Monticello, AR 71655
Monticello, AR 71655
Phone Number
(870) 460-6400
Year Founded
1900
FDIC Number
Website
Largest Affiliates
No affiliate information available.