Vitals
  • Total Assets
    257.1M 9.7 %
  • Total Deposits
    228.1M 13.2 %
  • Total Net Loans
    90.2M 13.2 %
  • Net Income
    2.8M -3.1 %
  • Book Value
    26.3M -0.2 %
  • Book Value x2
    52.6M -0.2 %
  • Book Value x3
    79.0M -0.2 %
ROAA

1.163

ROAE

10.02

Efficiency Ratio

62.916

Net Interest Margin

3.397

Balance Sheet Highlights
Financial Highlights Union Bank, Inc. All Insured Commercial Banks in West Virginia
Balance Sheet $(000)
Total Assets 257,132 360,672
Total Net Loans 90,212 251,469
Total Deposits 228,085 299,214
Total Equity 26,324 38,258
Profitability
Net Income 2,759 3,285
Return on Average Assets 1.163 .706
Return on Average Equity 10.02 6.418
Net Interest Margin 3.397 3.744
Efficiency Ratio 62.916 72.606
Noninterest Income/Revenue 10.902 20.548
Balance Sheet Ratios
Loan-to-Deposit 39.552 76.49
Securities/Assets .431 .175
Total Equity/Total Assets .102 .106
Tangible Equity/Tangible Assets .075 .096
Capital Adequacy
Tier 1 Common Capital 18,699 35,874
Tier 1 Capital 18,699 36,036
Tier 2 Capital 920 2,393
Total Capital 19,619 38,423
Total Risk Weighted Assets 107,095 244,928
Leverage Ratio 7.65 10.924
Common Equity Tier 1 Capital Ratio 17.46 18.341
Tier 1 Capital Ratio 17.46 18.347
Total Capital Ratio 18.32 19.449

Timeline for Union Bank, Inc.

The First National Bank Of St. Marys

Acquisition: Union Bank, Inc. acquired a new subsidiary, The First National Bank Of St. Marys, 17 years

View Profile Sep 15 2007

U.B. Financial Services, Inc.

U.B. Financial Services, Inc. became a new subsidiary organization for Union Bank, Inc..

View Profile Jul 01 2000

Wesbanco, Inc.

Wesbanco, Inc. became a new parent organization for Union Bank, Inc..

View Profile Apr 01 1998

Commercial Bancshares, Incorporated

Commercial Bancshares, Incorporated became a new parent organization for Union Bank, Inc..

View Profile Aug 01 1994

Hometown Bancshares, Inc.

Hometown Bancshares, Inc. became a new parent organization for Union Bank, Inc..

View Profile Jan 05 1989

Want to see more?

Complete timeline for Union Bank, Inc. is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The First National Bank Of St. Marys Seller 36,028 Acquisition Discontinued 9/15/2007
The Union National Bank Of Sistersville Seller 12,016 Discontinued 1/3/1984
Relationships Role Relationship Start Relationship End
Hometown Bancshares, Inc. Parent 7/1/1998
Wesbanco, Inc. Parent 4/1/1998 6/30/1998
Commercial Bancshares, Incorporated Parent 8/1/1994 3/31/1998
Hometown Bancshares, Inc. Parent 1/5/1989 7/31/1994
U.B. Financial Services, Inc. Subsidary 6/30/2007
U.B. Financial Services, Inc. Subsidary 7/1/2000 6/29/2007
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