| Weiss Ratings |
Union State Bank
Pell City, AL |
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| Rating | ||||
| Asset Quality Index | 7.90 | |||
| Capitalization Index | 6.80 | |||
| Liquidity Index | 3.60 | |||
| Profitability Index | 3.20 | |||
| 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 | -4.21% | |||
| 5-Year Asset Growth | -2.60% | |||
| 5-Year Charge-Offs to Average Loans | -0.12% | |||
| Charge-Offs to Average Loans | 0.23% | |||
| Non-Performing Assets to Assets | 0.36% | |||
| Non-Performing Loans to Capital | 2.16% | |||
| Non-Performing Loans to Loans | 0.67% | |||
| Balance Sheet |
Union State Bank
Pell City, AL |
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| Total Assets | 216.42M | |||
| Total Deposits | 204.71M | |||
| Capital and Reserves |
Union State Bank
Pell City, AL |
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| Capital | 10.80M | |||
| Leverage Ratio | 9.46 | |||
| Loan Loss Reserves to Loans | 1.11% | |||
| Risk-Based Capital Ratio | 14.92 | |||
| Liquidity |
Union State Bank
Pell City, AL |
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| Hot Money Ratio | 8.39% | |||
| Liquidity Ratio | 30.35% | |||
| Profitability |
Union State Bank
Pell City, AL |
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| 5-Year Return on Average Assets | 0.18% | |||
| Net Income | 1.58M | |||
| Net Interest Spread | 3.14% | |||
| Operating Profit to Average Assets | 0.74% | |||
| Overhead Efficiency Ratio | 83.01% | |||
| Return on Assets | 0.74% | |||
| Return on Equity | 18.95% | |||