| Weiss Ratings |
Union State Bank
Pell City, AL |
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| Rating | ||||
| Asset Quality Index | 8.40 | |||
| Capitalization Index | 6.10 | |||
| Liquidity Index | 3.50 | |||
| Profitability Index | 1.70 | |||
| 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 | 0.14% | |||
| 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 | 0.31% | |||
| Non-Performing Loans to Capital | 1.05% | |||
| Non-Performing Loans to Loans | 0.53% | |||
| Balance Sheet |
Union State Bank
Pell City, AL |
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| Total Assets | 212.15M | |||
| Total Deposits | 201.97M | |||
| Capital and Reserves |
Union State Bank
Pell City, AL |
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| Capital | 9.05M | |||
| Leverage Ratio | 8.83 | |||
| Loan Loss Reserves to Loans | 1.31% | |||
| Risk-Based Capital Ratio | 14.67 | |||
| Liquidity |
Union State Bank
Pell City, AL |
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| Hot Money Ratio | 10.13% | |||
| Liquidity Ratio | 29.45% | |||
| Profitability |
Union State Bank
Pell City, AL |
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| 5-Year Return on Average Assets | 0.18% | |||
| Net Income | 261.00K | |||
| Net Interest Spread | 3.06% | |||
| Operating Profit to Average Assets | 0.16% | |||
| Overhead Efficiency Ratio | 95.57% | |||
| Return on Assets | 0.16% | |||
| Return on Equity | 4.45% | |||