Vitals
  • Total Assets
    228.8M -2.0 %
  • Total Deposits
    215.6M -1.9 %
  • Total Net Loans
    80.5M -9.0 %
  • Net Income
    -21000.0000 89.8 %
  • Book Value
    12.4M -5.3 %
  • Book Value x2
    24.9M -5.3 %
  • Book Value x3
    37.3M -5.3 %
ROAA

-.009

ROAE

-.151

Efficiency Ratio

101.537

Net Interest Margin

3.284

Balance Sheet Highlights
Financial Highlights Union State Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 228,832 266,812
Total Net Loans 80,491 157,006
Total Deposits 215,646 227,200
Total Equity 12,441 30,855
Profitability
Net Income -21 2,603
Return on Average Assets -.009 .91
Return on Average Equity -.151 7.525
Net Interest Margin 3.284 3.872
Efficiency Ratio 101.537 69.238
Noninterest Income/Revenue 33.333 15.218
Balance Sheet Ratios
Loan-to-Deposit 37.326 65.031
Securities/Assets .286 .23
Total Equity/Total Assets .054 .116
Tangible Equity/Tangible Assets .052 .114
Capital Adequacy
Tier 1 Common Capital 14,292 30,655
Tier 1 Capital 14,292 30,655
Tier 2 Capital 1,254 1,864
Total Capital 15,546 32,526
Total Risk Weighted Assets 137,925 184,216
Leverage Ratio 6.35 11.829
Common Equity Tier 1 Capital Ratio 10.36 18.757
Tier 1 Capital Ratio 10.36 18.762
Total Capital Ratio 11.27 19.824

Timeline for Union State Bank

Union State Insurance, Inc.

Union State Insurance, Inc. became a new subsidiary organization for Union State Bank.

View Profile Jan 06 1998

Local Government Insurance Service, Inc.

Local Government Insurance Service, Inc. became a new subsidiary organization for Union State Bank.

View Profile Jan 06 1998

New Farmers And Merchants Bank Of Ashville

Acquisition: Union State Bank acquired a new subsidiary, New Farmers And Merchants Bank Of Ashville, 36 years

View Profile Dec 28 1987

Union Bancshares, Inc.

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

View Profile Sep 30 1983

Union State Bank

Acquisition: Union State Bank acquired a new subsidiary, Union State Bank, 41 years

View Profile Dec 20 1982

Want to see more?

Complete timeline for Union State Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
New Farmers And Merchants Bank Of Ashville Seller 5,586 Discontinued 12/28/1987
Union State Bank Seller Discontinued 12/20/1982
Relationships Role Relationship Start Relationship End
Union Bancshares, Inc. Parent 9/30/1983
Union State Insurance, Inc. Subsidary 6/30/2007
Union State Insurance, Inc. Subsidary 1/6/1998 6/29/2007
Local Government Insurance Service, Inc. Subsidary 1/6/1998 12/30/2002
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