| Weiss Ratings |
Union State Bank
Pell City, AL |
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| Rating | ||||
| Asset Quality Index | 6.70 | |||
| Capitalization Index | 6.70 | |||
| Liquidity Index | 3.20 | |||
| Profitability Index | 2.20 | |||
| Stability Index | 2.60 | |||
| 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 | -5.91% | |||
| 5-Year Asset Growth | -2.60% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.55% | |||
| Non-Performing Loans to Capital | 4.55% | |||
| Non-Performing Loans to Loans | 1.02% | |||
| Balance Sheet |
Union State Bank
Pell City, AL |
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| Total Assets | 205.40M | |||
| Total Deposits | 189.24M | |||
| Capital and Reserves |
Union State Bank
Pell City, AL |
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| Capital | 11.21M | |||
| Leverage Ratio | 9.55 | |||
| Loan Loss Reserves to Loans | 0.94% | |||
| Risk-Based Capital Ratio | 15.15 | |||
| Liquidity |
Union State Bank
Pell City, AL |
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| Hot Money Ratio | 9.99% | |||
| Liquidity Ratio | 24.74% | |||
| Profitability |
Union State Bank
Pell City, AL |
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| 5-Year Return on Average Assets | 0.30% | |||
| Net Income | 239.00K | |||
| Net Interest Spread | 3.49% | |||
| Operating Profit to Average Assets | 0.46% | |||
| Overhead Efficiency Ratio | 88.92% | |||
| Return on Assets | 0.46% | |||
| Return on Equity | 8.69% | |||