Union State Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Union State Bank's wide range of services can make banking easier, and more convenient, than ever.

In 1903 a group of far-sighted businessmen, led by J. Fall Roberson, Sr., joined forces to form a bank to serve the future businesses and citizens of Pell City and St. Clair County. One hundred and seven years and four generations of independent banking experience later, UnionState continues to grow and serve a broad community with fourteen banking offices from central Alabama to Florida.

UnionState offers the latest in technology, such as full-service internet banking, but continues to stress the importance of personally knowing the customer with one-on-one service. UnionState also offers a wide range of related financial products including insurance and personal investment services.