Union Bank and Trust Company
Major Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 18.1 and a capital leverage ratio of 10.0. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.2 has resulted in Good (6.5) profitability.
Other Rating Factors:
Fair liquidity 5.0, driven by a liquidity ratio of 47.2 percent and a “hot money” ratio of 2.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Asset Mix:
Cash (36%), comm re (31%), securities (20%), comm loans (7%), home mtgs (0%), other (6%)
States with Branches:
MN
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
Investment Rating
--
Address
312 Central Avenue SE
Minneapolis, MN 55414
Minneapolis, MN 55414
Phone Number
(612) 379-3222
Year Founded
1976
FDIC Number
Website
Largest Affiliates
No affiliate information available.