Union Bank And Trust Company Mortgage Rates, Fees & Info

Lincoln, NE

LEI: R6KJ2D7C3UT8OVTWHS39

Tax ID: 47-0321480

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Union Bank And Trust Company is a smaller bank specializing in Home Purchase loans. Union Bank And Trust Company has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Lincoln, Omaha, St. Louis, Norfolk, and Minneapolis among others. We have data for 35 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Union Bank And Trust Company has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Union Bank And Trust Company is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.70% 11/17/24
    30 Year Conventional Purchase 6.37% 11/17/24
    30 Year Conventional Refi 6.29% 11/17/24
    30 Year Cash-out Refi 6.48% 11/17/24
    30 Year FHA Purchase 7.33% 11/17/24
    30 Year VA Purchase 6.40% 11/17/24
    15 Year Conventional Purchase 5.79% 11/17/24
    15 Year Conventional Refi 5.90% 11/17/24
    15 Year Cash-out Refi 5.90% 11/17/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Union Bank And Trust Company Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Union Bank And Trust Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,157

    Origination Dollar Volume (All Markets)

    $292,415,000

    Employee count

    806 Show all (9) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    LINCOLN, NE (FHA|USDA|VA) 712 $142,440,000 $200,056 $1,801 4.74%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 188 $68,470,000 $364,202 $2,119 4.76%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $16,325,000 $16,325,000 $0 4.50%
    Outside of Metro Areas 159 $15,655,000 $98,459 $1,779 4.65%
    Norfolk, NE (FHA|USDA|VA) 2 $14,080,000 $7,040,000 $1,901 5.31%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $12,645,000 $12,645,000 $0 5.00%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 29 $9,675,000 $333,621 $2,224 5.24%
    GRAND ISLAND, NE (FHA|USDA|VA) 24 $2,790,000 $116,250 $2,142 4.68%
    AMES, IA (FHA|USDA|VA) 1 $2,115,000 $2,115,000 $0 5.40%
    Warrensburg, MO (FHA|USDA|VA) 1 $1,465,000 $1,465,000 $0 5.55%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $830,000 $415,000 $2,273 4.31%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $705,000 $705,000 $0 5.75%
    Spirit Lake, IA (FHA|USDA|VA) 3 $675,000 $225,000 $1,945 4.75%
    Kearney, NE (FHA|USDA|VA) 2 $490,000 $245,000 $1,929 4.75%
    Beatrice, NE (FHA|USDA|VA) 4 $460,000 $115,000 $1,189 4.74%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $355,000 $355,000 $2,413 4.50%
    ST. GEORGE, UT (FHA|USDA|VA) 1 $345,000 $345,000 $2,773 4.75%
    LAWRENCE, KS (FHA|USDA|VA) 1 $325,000 $325,000 $2,842 4.13%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.60%
    Hastings, NE (FHA|USDA|VA) 5 $305,000 $61,000 $1,189 4.16%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $245,000 $245,000 $0 5.60%
    Columbus, NE (FHA|USDA|VA) 3 $205,000 $68,333 $0 5.50%
    Garden City, KS (FHA|USDA|VA) 1 $205,000 $205,000 $1,624 4.63%
    COLUMBIA, SC (FHA|USDA|VA) 1 $185,000 $185,000 $6,771 4.25%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $165,000 $165,000 $2,509 4.75%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $155,000 $155,000 $2,089 4.75%
    Jamestown, ND (FHA|USDA|VA) 1 $155,000 $155,000 $2,375 4.63%
    SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 2 $140,000 $70,000 $1,944 4.88%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.95%
    Fremont, NE (FHA|USDA|VA) 1 $115,000 $115,000 $2,025 4.50%
    Edwards, CO (FHA|USDA|VA) 1 $95,000 $95,000 $137 5.30%
    BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.50%
    Branson, MO (FHA|USDA|VA) 1 $55,000 $55,000 $1,600 4.63%
    Lexington, NE (FHA|USDA|VA) 1 $25,000 $25,000 $215 5.75%
    North Platte, NE (FHA|USDA|VA) 1 $15,000 $15,000 $217 3.50%
    Union Bank And Trust Company's top markets include Lincoln, Omaha, St. Louis, Norfolk, and Minneapolis among others.

    Their top states include:
  • Nebraska (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Union Bank and Trust Company based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Home Federal Savings & Loan Association of Grand Island
    Similarity Rank: 20
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 68
    KCB Bank
    Similarity Rank: 108
    Citizens Savings and Loan Association, FSB
    Similarity Rank: 146
    Clay County Savings Bank
    Similarity Rank: 148
    U.S. HOME MORTGAGE, INC.
    Similarity Rank: 162
    CHARTER WEST BANK
    Similarity Rank: 246
    Washington County Bank
    Similarity Rank: 255
    MUTUAL FIRST
    Similarity Rank: 297
    First State Bank
    Similarity Rank: 312

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,062 $275,730,000 $259,633 $1,594 4.77%
    FHA 61 $9,105,000 $149,262 $4,532 4.50%
    VA 27 $6,825,000 $252,778 $4,522 4.32%
    USDA 7 $755,000 $107,857 $3,053 4.52%

    For 2018, Union Bank And Trust Company's most frequently originated type of loan was Conventional, with 1,062 originations. Their 2nd most popular type was FHA, with 61 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 819 $253,115,000 $309,054 $2,142 4.60%
    Refi 118 $13,660,000 $115,763 $853 5.18%
    Cash Out Refi 118 $19,490,000 $165,169 $1,962 4.72%
    Other 59 $3,775,000 $63,983 $622 5.54%
    Home Improvement 43 $2,375,000 $55,233 $397 5.32%

    For 2018, Union Bank And Trust Company's most frequently cited loan purpose was Home Purchase, with 819 originations. The 2nd most popular reason was Refi, with 118 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 757 $139,495,000 $184,273 $2,276 4.68%
    Other 154 $28,550,000 $185,390 $308 5.53%
    15 Year 79 $12,015,000 $152,089 $1,852 4.32%
    5 Year 67 $98,605,000 $1,471,716 $225 5.41%
    10 Year 55 $5,535,000 $100,636 $305 2.95%
    1 Year 26 $5,350,000 $205,769 $1,693 5.33%
    20 Year 18 $2,850,000 $158,333 $1,956 4.58%
    3 Year 1 $15,000 $15,000 $0 5.25%

    For 2018, Union Bank And Trust Company's most frequently cited loan duration was 30 Year, with 757 originations. The 2nd most popular length was Other, with 154 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,002 $159,370,000 $159,052
    $1k-2k 12 $3,060,000 $255,000
    $2k-3k 2 $750,000 $375,000
    $3k-4k 1 $255,000 $255,000
    $5k+ 1 $285,000 $285,000

    Union Bank And Trust Company's average total fees were $2,276, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,002 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 747 $220,195,000 $294,772
    5-6% 264 $56,620,000 $214,470
    3-4% 75 $14,015,000 $186,867
    6-7% 37 $1,325,000 $35,811
    <2.5% 29 $145,000 $5,000
    7-8% 5 $115,000 $23,000

    During 2018, Union Bank And Trust Company's average interest rate for loans was 4.68%, while their most frequently originated rate bucket for loans was 4-5%, with 747 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 483 $70,475,000 $145,911 $2,179 4.73%
    $100,000 or less 319 $16,495,000 $51,708 $952 4.87%
    $200k-400k 315 $81,805,000 $259,698 $2,218 4.63%
    $400k-600k 26 $11,520,000 $443,077 $2,109 4.71%
    $1MM+ 10 $109,450,000 $10,945,000 $2,687 5.02%
    $600k-1MM 4 $2,670,000 $667,500 $706 5.31%

    2018 saw Union Bank And Trust Company place emphasis on $100k-200k loans with 483 originations, totaling $70,475,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 255 $25,045,000 $98,216 $1,845 4.53%
    $50k-75k 253 $34,705,000 $137,174 $1,900 4.59%
    $100k-150k 199 $40,915,000 $205,603 $1,986 4.81%
    $75k-100k 198 $32,890,000 $166,111 $1,835 4.81%
    $150k-250k 101 $23,605,000 $233,713 $1,868 4.78%
    $250k+ 37 $8,875,000 $239,865 $1,217 4.89%

    Union Bank And Trust Company lent most frequently to those with incomes in the $50k or less range, with 255 originations. The second most popular income band? $50k-75k, with 253 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 253 $41,075,000 $162,352 $1,682 4.71%
    30-36% 212 $34,240,000 $161,509 $1,891 4.69%
    <20% 82 $9,680,000 $118,049 $1,150 4.84%
    42% 48 $8,700,000 $181,250 $1,772 4.90%
    39% 46 $7,230,000 $157,174 $2,105 4.35%
    40% 41 $7,205,000 $175,732 $2,252 4.79%
    38% 40 $5,900,000 $147,500 $1,953 4.49%
    36% 37 $5,305,000 $143,378 $1,915 4.73%
    37% 36 $5,380,000 $149,444 $1,732 4.99%
    45% 35 $5,455,000 $155,857 $2,184 4.73%
    49% 34 $6,060,000 $178,235 $2,406 4.69%
    41% 34 $5,460,000 $160,588 $1,889 4.66%
    47% 33 $6,665,000 $201,970 $2,189 4.66%
    48% 33 $4,625,000 $140,152 $2,385 4.28%
    43% 30 $4,030,000 $134,333 $1,748 4.53%
    44% 29 $4,945,000 $170,517 $2,042 4.80%
    46% 26 $4,580,000 $176,154 $1,898 4.42%
    50-60% 9 $2,175,000 $241,667 $4,110 4.68%
    >60% 4 $360,000 $90,000 $568 5.10%

    Union Bank And Trust Company lent most frequently to those with DTI ratios of 20-30%, with 253 originations. The next most common DTI ratio? 30-36%, with 212 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 991 $156,445,000 $157,866 $1,829 4.72%
    Not applicable 71 $120,075,000 $1,691,197 $0 5.31%
    Not provided 72 $12,460,000 $173,056 $2,163 4.59%
    Asian 10 $1,300,000 $130,000 $1,999 4.32%
    Native Hawaiian or Islander 5 $1,015,000 $203,000 $2,123 5.05%
    Black 5 $735,000 $147,000 $3,300 4.55%
    American Indian 3 $385,000 $128,333 $1,276 5.01%

    Approval Rates

    Total approvals of all applications
    89.33%

    Union Bank And Trust Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    82.02%

    Union Bank And Trust Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,157 $292,415,000 $252,736

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 28 $113,240,000 $4,044,286
    Single Family (1-4 Units):Manufactured 2 $90,000 $45,000
    Single Family (1-4 Units):Site-Built 1,127 $179,085,000 $158,904

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 77 $9,775,000 $126,948 $992 5.15%
    40-60% 106 $15,240,000 $143,774 $1,456 4.81%
    60-80% 355 $140,675,000 $396,268 $1,850 4.81%
    80-100% 501 $121,065,000 $241,647 $2,379 4.67%
    Over 100% 6 $1,630,000 $271,667 $8,704 4.94%
    Under 20% 112 $4,030,000 $35,982 $220 4.49%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Union Bank and Trust Company 11460 Tomahawk Creek Parkway Leawood, KS 66211 Full Service B&M $31,165
    Union Bank and Trust Company 121 South 13th Street Lincoln, NE 68508 Full Service B&M $61,042
    Union Bank and Trust Company 1300 North 48th Street Lincoln, NE 68504 Full Service B&M $53,126
    Union Bank and Trust Company 1301 J Street Auburn, NE 68305 Full Service B&M $34,005
    Union Bank and Trust Company 1313 K Street Fairbury, NE 68352 Full Service B&M $57,604
    Union Bank and Trust Company 1400 R Street Lincoln, NE 68508 Full Service B&M $25,450
    Union Bank and Trust Company 1550 South Coddington Lincoln, NE 68522 Full Service B&M $15,744
    Union Bank and Trust Company 1850 Grove Avenue Crete, NE 68333 Full Service B&M $28,481
    Union Bank and Trust Company 1940 O Street Lincoln, NE 68510 Full Service B&M $55,866
    Union Bank and Trust Company 2008 North Webb Road Grand Island, NE 68801 Full Service B&M $71,442
    Union Bank and Trust Company 220 South 4th Street Seward, NE 68434 Full Service B&M $65,750
    Union Bank and Trust Company 2201 Highway 2 Lincoln, NE 68502 Full Service B&M $60,396
    Union Bank and Trust Company 230 South Hall And U.S. 20 Valentine, NE 69201 Full Service B&M $54,401
    Union Bank and Trust Company 238 East 4th Ainsworth, NE 69210 Full Service B&M $25,098
    Union Bank and Trust Company 2720 South 177th Street Omaha, NE 68130 Limited, Mobile/Seasonal Office $0
    Union Bank and Trust Company 2720 South 177th Street Omaha, NE 68130 Full Service B&M $172,726
    Union Bank and Trust Company 309 Oak Street Bonner Springs, KS 66012 Full Service B&M $123,582
    Union Bank and Trust Company 328 West 3rd Wahoo, NE 68066 Full Service B&M $58,565
    Union Bank and Trust Company 3643 South 48th Street Lincoln, NE 68506 Limited, Mobile/Seasonal Office $0
    Union Bank and Trust Company 3643 South 48th Street Lincoln, NE 68506 Full Service B&M $963,715
    Union Bank and Trust Company 3705 South 48th Street Lincoln, NE 68501 Full Service B&M $0
    Union Bank and Trust Company 410 4th Street Taylor, NE 68879 Full Service B&M $25,328
    Union Bank and Trust Company 4243 Pioneer Woods Dr Lincoln, NE 68516 Full Service B&M $258,381
    Union Bank and Trust Company 4732 Calvert Street Lincoln, NE 68501 Full Service B&M $12,203
    Union Bank and Trust Company 4800 Normal Boulevard Lincoln, NE 68506 Full Service B&M $53,289
    Union Bank and Trust Company 5006 North 27th Street Lincoln, NE 68505 Full Service B&M $83,300
    Union Bank and Trust Company 502 Grant Avenue York, NE 68467 Full Service B&M $26,136
    Union Bank and Trust Company 507 D Street David City, NE 68632 Full Service B&M $37,092
    Union Bank and Trust Company 514 G Street Pawnee City, NE 68420 Full Service B&M $27,026
    Union Bank and Trust Company 6001 Village Drive Lincoln, NE 68516 Full Service Retail $47,892
    Union Bank and Trust Company 6801 O Street Lincoln, NE 68510 Full Service B&M $121,237
    Union Bank and Trust Company 6801 South 27th Street Lincoln, NE 68512 Full Service B&M $206,009
    Union Bank and Trust Company 6811 South 27th Street Lincoln, NE 68516 Full Service B&M $9,735
    Union Bank and Trust Company 840 Fallbrook Boulevard Lincoln, NE 68522 Full Service Retail $9,560
    Union Bank and Trust Company 8401 Lexington Avenue Lincoln, NE 68521 Full Service B&M $43,722
    Union Bank and Trust Company 8501 Andermatt Drive Lincoln, NE 68526 Full Service B&M $46,899

    For 2018, Union Bank And Trust Company had 36 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $173,473
    Net interest income $133,556
    Total noninterest income $85,411
    Gross Fiduciary activities income $57,150
    Service charges on deposit accounts $5,795
    Trading account gains and fees $0
    Additional Noninterest Income $22,466
    Pre-tax net operating income $85,312
    Securities gains (or losses, -) $3,088
    Income before extraordinary items $68,548
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $68,548
    Minority interest net income $0
    Net income $68,548
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $66,108

    Union Bank And Trust Company's gross interest income from loans was $173,473,000.
    Union Bank And Trust Company's net interest income from loans was $133,556,000.
    Union Bank And Trust Company's fee based income from loans was $5,795,000.
    Union Bank And Trust Company's net income from loans was $68,548,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $39,917
    Provision for credit losses $8,650
    Total noninterest expense $125,005
    Salaries and employee benefits $69,306
    Premises and equipment expense $17,176
    Additional noninterest expense $38,523
    Applicable income taxes $19,852
    Net charge-offs $2,984
    Cash dividends $9,045

    Union Bank And Trust Company's interest expense for loans was $39,917,000.
    Union Bank And Trust Company's payroll and benefits expense were $69,306,000.
    Union Bank And Trust Company's property, plant and equipment expenses $17,176,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 1.0%
    Credit card loans 0.5%
    Other individual loans 1.0%
    Auto loans 0.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,492,038
    Deposits held in domestic offices $3,492,038
    Deposits by Individuals, partnerships, and corporations $3,335,934
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $144,035
    Deposits by Commercial banks and other depository institutions in U.S. $12,069
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $619,181
    Demand deposits $454,330
    Nontransaction accounts $2,872,857
    Money market deposit accounts (MMDAs) $1,532,642
    Other savings deposits (excluding MMDAs) $260,594
    Total time deposits $1,079,623
    Total time and savings deposits $3,037,708
    Noninterest-bearing deposits $311,997
    Interest-bearing deposits $3,180,041
    Retail deposits $2,862,105
    IRAs and Keogh plan accounts $204,538
    Brokered deposits $529,992
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,149,669
    Cash & Balances due from depository institutions $72,263
    Interest-bearing balances $1,179
    Total securities $565,578
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,341,947
    Loan and leases loss allowance $52,458
    Trading account assets $0
    Bank premises and fixed assets $44,165
    Other real estate owned $5,881
    Goodwill and other intangibles $12,920
    All other assets $106,915

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,149,669
    Total Liabilities $3,698,887
    Total deposits $3,492,038
    Interest-bearing deposits $3,180,041
    Deposits held in domestic offices $3,492,038
    % insured (estimated) $86
    Federal funds purchased and repurchase agreements $5,678
    Trading liabilities $0
    Other borrowed funds $168,600
    Subordinated debt $0
    All other liabilities $32,571

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,341,947
    Loan and leases loss allowance $52,458
    Total loans and leases (domestic) $3,394,405
    All real estate loans $1,926,520
    Real estate loans in domestic offices $1,926,520
    Construction and development loans $313,502
    Residential 1-4 family construction $30,208
    Other construction, all land development and other land $283,294
    Loans secured by nonfarm nonresidential properties $1,015,492
    Nonfarm nonresidential secured by owner-occupied properties $365,487
    Commercial real estate & other non-farm, non-residential $650,005
    Multifamily residential real estate $123,019
    1-4 family residential loans $187,671
    Farmland loans $286,836
    Loans held in foreign offices $0
    Farm loans $90,296
    Commercial and industrial loans $608,086
    To non-U.S. addressees $0
    Loans to individuals $626,508
    Credit card loans $10,857
    Related Plans $1,454
    Consumer Auto Loans $205,467
    Other loans to individuals $408,730
    All other loans & leases $142,995
    Loans to foreign governments and official institutions $0
    Other loans $73,351
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $5,112
    Non 1-4 family restructured loans & leases $4,640
    Total loans and leases (foreign) $0

    Union Bank and Trust Company had $3,341,947,000 of loans outstanding in 2018. $1,926,520,000 of loans were in real estate loans. $313,502,000 of loans were in development loans. $123,019,000 of loans were in multifamily mortgage loans. $187,671,000 of loans were in 1-4 family mortgage loans. $90,296,000 of loans were in farm loans. $10,857,000 of loans were in credit card loans. $205,467,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 418 $122,929 $294,089
    Nonfarm, nonresidential loans - <$100k 67 $2,743 $40,940
    Nonfarm, nonresidential loans - $100-250k 107 $14,259 $133,262
    Nonfarm, nonresidential loans - $250k-1MM 244 $105,927 $434,127
    Commercial & Industrial, US addressed loans - <$1MM 2,934 $240,324 $81,910
    Commercial & Industrial, US addressed loans - <$100k 2,168 $53,899 $24,861
    Commercial & Industrial, US addressed loans - $100-250k 367 $42,253 $115,131
    Commercial & Industrial, US addressed loans - $250k-1MM 399 $144,172 $361,333
    Farmland loans - <$1MM 1,054 $122,285 $116,020
    Farmland loans - <$100k 479 $16,493 $34,432
    Farmland loans - $100-250k 346 $40,727 $117,708
    Farmland loans - $250k-1MM 229 $65,065 $284,127
    Agriculture operations loans - <$1MM 712 $43,772 $61,478
    Agriculture operations loans - <$100k 516 $10,881 $21,087
    Agriculture operations loans - $100-250k 123 $12,976 $105,496
    Agriculture operations loans - $250k-1MM 73 $19,915 $272,808