Vitals
  • Total Assets
    175.1M 4.9 %
  • Total Deposits
    154.5M 5.6 %
  • Total Net Loans
    118.4M 3.3 %
  • Net Income
    725000.0000 43.0 %
  • Book Value
    18.9M -1.3 %
  • Book Value x2
    37.8M -1.3 %
  • Book Value x3
    56.7M -1.3 %
ROAA

.429

ROAE

3.791

Efficiency Ratio

86.939

Net Interest Margin

4.077

Balance Sheet Highlights
Financial Highlights Union Bank All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 175,124 330,697
Total Net Loans 118,373 227,599
Total Deposits 154,548 278,247
Total Equity 18,905 33,935
Profitability
Net Income 725 3,589
Return on Average Assets .429 .954
Return on Average Equity 3.791 8.772
Net Interest Margin 4.077 3.821
Efficiency Ratio 86.939 71.925
Noninterest Income/Revenue 21.9 24.061
Balance Sheet Ratios
Loan-to-Deposit 76.593 76.845
Securities/Assets .139 .16
Total Equity/Total Assets .108 .103
Tangible Equity/Tangible Assets .101 .098
Capital Adequacy
Tier 1 Common Capital 16,123 32,553
Tier 1 Capital 16,123 32,664
Tier 2 Capital 1,265 2,479
Total Capital 17,388 35,133
Total Risk Weighted Assets 139,113 242,208
Leverage Ratio 9.49 10.341
Common Equity Tier 1 Capital Ratio 11.59 15.339
Tier 1 Capital Ratio 11.59 15.393
Total Capital Ratio 12.5 16.423

Timeline for Union Bank

Ub Consulting, Llc

Ub Consulting, Llc became a new subsidiary organization for Union Bank.

View Profile Jun 03 2013

U. B. Financial Services, Inc.

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

View Profile Dec 01 2007

Ub Real Estate L.L.C.

Ub Real Estate L.L.C. became a new subsidiary organization for Union Bank.

View Profile Nov 01 2005

Union Bank Mortgage Company

Union Bank Mortgage Company became a new subsidiary organization for Union Bank.

View Profile Apr 17 2000

Union Financial Corporation

Union Financial Corporation became a new parent organization for Union Bank.

View Profile Aug 18 1988

Want to see more?

Complete timeline for Union Bank is available.

View Complete Timeline
Relationships Role Relationship Start Relationship End
Union Financial Corporation Parent 8/18/1988
U. B. Financial Services, Inc. Subsidary 12/1/2007
Ub Real Estate L.L.C. Subsidary 11/1/2005
Ub Consulting, Llc Subsidary 6/3/2013
Union Bank Mortgage Company Subsidary 6/30/2007 2/28/2013
Union Bank Mortgage Company Subsidary 4/17/2000 6/29/2007
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