| Weiss Ratings |
Union State Bank
Pell City, AL |
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| Rating | ||||
| Asset Quality Index | 7.70 | |||
| Capitalization Index | 5.60 | |||
| Liquidity Index | 3.60 | |||
| Profitability Index | 1.80 | |||
| Stability Index | 2.00 | |||
| Company Info |
Union State Bank
Pell City, AL |
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| FDIC Number | 5602 | |||
| Phone Number | (205) 884-1520 | |||
| Website | www.unionstate.net | |||
| Asset Quality |
Union State Bank
Pell City, AL |
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| 1-Year Asset Growth | 3.94% | |||
| 5-Year Asset Growth | 1.33% | |||
| 5-Year Charge-Offs to Average Loans | -0.12% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.33% | |||
| Non-Performing Loans to Capital | 2.48% | |||
| Non-Performing Loans to Loans | 0.93% | |||
| Balance Sheet |
Union State Bank
Pell City, AL |
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| Total Assets | 218.30M | |||
| Total Deposits | 209.69M | |||
| Capital and Reserves |
Union State Bank
Pell City, AL |
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| Capital | 7.63M | |||
| Leverage Ratio | 8.47 | |||
| Loan Loss Reserves to Loans | 1.43% | |||
| Risk-Based Capital Ratio | 14.69 | |||
| Liquidity |
Union State Bank
Pell City, AL |
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| Hot Money Ratio | 12.39% | |||
| Liquidity Ratio | 27.65% | |||
| Profitability |
Union State Bank
Pell City, AL |
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| 5-Year Return on Average Assets | 0.18% | |||
| Net Income | 53.00K | |||
| Net Interest Spread | 2.85% | |||
| Operating Profit to Average Assets | 0.10% | |||
| Overhead Efficiency Ratio | 97.21% | |||
| Return on Assets | 0.10% | |||
| Return on Equity | 2.97% | |||