Union Bank & Trust Company
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.8. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.8 has resulted in Excellent (8.0) profitability.
Other Rating Factors:
A current level of 3.7 percent of nonperforming loans to core capital combined with 14.3 percent from a year earlier contributes to the Good asset quality (6.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (43%), securities (24%), cash (7%), comm re (6%), consumer loans (6%), comm loans (4%), home eq lns (1%), other (9%)
States with Branches:
TN
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
Overton Financial Services, Inc.
Investment Rating
--
Address
201 East Main Street
Livingston, TN 38570
Livingston, TN 38570
Phone Number
(931) 823-1247
Year Founded
1932
FDIC Number
Website
Largest Affiliates
No affiliate information available.