PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Union Bank

Loogootee, IN · Cert 1835

FDIC

Q4 1996

$55.2MAssets
$33.5MLoans
$50.4MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.39%, down 47 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 66.44% of deposits as of Q4 1996.

Return on Assets (YTD, annualized)

1.39%-47 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets1.51%1.39%1.86%1.86%1.53%1.40%1.35%1.39%-47 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-5.59%-3.19%1.52%5.98%3.07%2.50%5.16%8.30%+232 bps
Loan Growth (YoY)11.26%9.33%18.45%15.32%20.31%25.70%23.80%27.45%+1,213 bps
Deposit Growth (YoY)-4.10%-0.09%2.52%5.10%6.27%3.78%9.04%10.95%+586 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits54.03%54.69%59.73%57.84%61.17%66.24%67.81%66.44%+860 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a