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This institution is no longer active

Operations ceased on November 9, 2001. CRA examination history below reflects the period it was active.

UNION BANK AND TRUST COMPANY

NORTH VERNON, IN · Supervised by FDIC

Est. 1932FDIC #10,479RSSD: FDIC-10479
Part ofFIRST FINANCIAL BCORP→ View all charters
Satisfactory Same

Current rating · Exam: October 1998

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.73%

Institution Profile

FDIC BankFind

Address

5th Street, NORTH VERNON, IN

County

Jennings County

Established

January 1, 1932

Total Assets

$132M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 1998

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2001Call Report / FDIC

Total Assets

$132M

Total Deposits

$106M

Net Loans

$109M

Net Income

$2M

ROA

1.73%

ROE

20.95%

Risk-Based Capital

12.31%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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