The Union Bank in Marksville, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Union Bank in Marksville, Louisiana (LA)
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The Union Bank - Overview

  • General
  • FDIC Certificate #: 8800
    Status: Active
    Federal Reserve ID: 144436
    Bank Holding Company (Regulatory Top Holder): Union Bancshares, Incorporated (RSSDID: 1084566, Location: Marksville, LA)
    Date Established: September 03, 1910
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 14663
    FDIC's unique #: 5604
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 305 North Main Street, Marksville, LA 71351
    County: Avoyelles
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Baton Rouge
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $228.4 mil
    Equity capital: $20.2 mil
    Deposits held in domestic offices: $197.0 mil
    Return on assets (ROA): 0.30% ($0.7 mil)
    Quarterly return on assets: -0.06% (-$0.1 mil)
    Return on Equity (ROE): 3.86% ($0.8 mil)
    Quarterly return on equity: -0.73% (-$0.1 mil)
    Net income: $0.7 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.30% ($685.2 mil)
    Quarterly Pretax return on assets: -0.06% (-$137.0 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 84Total employees (full-time equivalent)
  • $228,407Total assets
  • $40,087Cash and due from depository institutions
  • $29,997Interest-bearing balances
  • $30,061Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $136,745Net loans & leases
  • $2,765Loan loss allowance
  • $0Trading account assets
  • $7,239Bank premises and fixed assets
  • $5,952Other real estate owned
  • $0Goodwill and other intangibles
  • $228,407Life insurance assets
  • $8,323All other assets
  • $208,161Total liabilities and capital
  • $196,980Total liabilities
  • $156,511Total deposits
  • $196,980Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,190Trading liabilities
  • $0Other borrowed funds
  • $991Subordinated debt
  • $20,246All other liabilities
  • $20,246Total equity capital
  • $20,246Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $7,800Surplus
  • $12,246Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,082Income earned, not collected on loans
  • $0Earning assets
  • $977Long-term assets (5+ years)
  • $196,803Average Assets, year-to-date
  • $32,112Average Assets, quarterly
  • $229,489Volatile liabilities
  • $227,417Insider loans
  • $146,544FHLB advances
  • $229,029Loans and leases held for sale
  • $4,571Unused loan commitments
  • $4,571Tier 1 (core) risk-based capital
  • $20,093Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,522Restructured Loans and leases
  • $410Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,672Total interest income
  • $3,473Total interest expense
  • $7,199Net interest income
  • $1,277Provision for loan and lease losses
  • $1,859Total noninterest income
  • $0Fiduciary activities
  • $764Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,095Additional noninterest income
  • $7,109Total noninterest expense
  • $3,162Salaries and employee benefits
  • $877Premises and equipment expense
  • $3,070Additional noninterest expense
  • $672Pre-tax net operating income
  • $26Securities gains (losses)
  • $0Applicable income taxes
  • $698Income before extraordinary items
  • $0Extraordinary gains - net
  • $698Net income attributable to bank
  • $0Net charge-offs
  • $698Cash dividends
  • $448Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.37%Yield on earning assets
  • 1.75%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 3.57%Noninterest expense to earning assets
  • 0.29%Net operating income to assets
  • 0.30%Return on assets (ROA)
  • 0.30%Pretax return on assets
  • 3.86%Return on equity (ROE)
  • 3.86%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 285.04%Credit loss provision to net charge-offs
  • 4.35%Efficiency ratio
  • 78,483Assets per employee
  • 2.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.98%Loss allowance to noncurrent loans
  • 30.44%Noncurrent assets plus other real estate owned to assets
  • 6.58%Noncurrent loans to loans
  • 6.51%Net loans and leases to deposits
  • 69.42%Net loans and leases to core deposits
  • 72.74%Equity capital to assets
  • 8.86%Core capital (leverage) ratio
  • 8.77%Tier 1 risk-based capital ratio
  • 13.71%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $229,489Average earning assets
  • $18,072Average equity
  • $198,880Average loans

List of branches

  • 10 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05604The Union Bank305 North Main Street, Marksville, LA 71351September 03, 1910Full Service Brick and Mortar
    1218995Tunica Branch201 East Tunica Drive, Marksville, LA 71351January 10, 1974Full Service Brick and Mortar
    2218996Bunkie Branch1113 Shirley Road, Bunkie, LA 71322July 23, 1976Full Service Brick and Mortar
    3225544Hessmer Branch2705 Main Street, Hessmer, LA 71341August 05, 1968Full Service Brick and Mortar
    4218997Alexandria Loan Production Branch1412-B Peterman Drive, Alexandria, LA 71301June 06, 1994Limited Service Loan Production
    5357023Alexandria Branch1775 Metro Drive, Alexandria, LA 71301July 17, 2000Full Service Brick and Mortar Branch305 North Main Street, Marksville, LA 71351August 05, 2001Full Service Cyber
    7418764Pineville Branch40 Pinecrest Drive, Pineville, LA 71360April 24, 2003Full Service Brick and Mortar
    8429701Lafayette Loan Production Office1042 Camellia Boulevard, Suite #12, Lafayette, LA 70508June 14, 2004Limited Service Loan Production
    9468137Moreauville Branch10710 Highway #1, Moreauville, LA 71355June 15, 2007Full Service Brick and Mortar

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