The Union Bank in Marksville, Louisiana (LA)

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The Union Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)84
Total assets$228,407
Cash and due from depository institutions$40,087
Interest-bearing balances$29,997
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$136,745
Loan loss allowance $2,765
Trading account assets$0
Bank premises and fixed assets$7,239
Other real estate owned$5,952
Goodwill and other intangibles$0
All other assets$8,323
Life insurance assets$228,407
Total liabilities and capital$208,161
Total liabilities$196,980
Total deposits$156,511
Interest-bearing deposits$196,980
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,190
Other borrowed funds $0
Subordinated debt $991
All other liabilities $20,246
Total equity capital$20,246
Total bank equity capital$20,246
Perpetual preferred stock$0
Common stock$200
Undivided profits $12,246
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $9,082
Earning assets $0
Long-term assets (5+ years) $977
Average Assets, year-to-date $196,803
Average Assets, quarterly $32,112
Volatile liabilities $229,489
Insider loans $227,417
FHLB advances $146,544
Loans and leases held for sale $229,029
Unused loan commitments $4,571
Tier 1 (core) risk-based capital $4,571
Tier 2 risk-based capital $20,093
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,522
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,672
Total interest expense $3,473
Net interest income $7,199
Provision for loan and lease losses $1,277
Total noninterest income $1,859
Fiduciary activities $0
Service charges on deposit accounts $764
Trading account gains & fees $0
Additional noninterest income $1,095
Total noninterest expense $7,109
Salaries and employee benefits $3,162
Premises and equipment expense $877
Additional noninterest expense $3,070
Pre-tax net operating income $672
Securities gains (losses) $26
Applicable income taxes $0
Income before extraordinary items $698
Extraordinary gains - net $0
Net income attributable to bank $698
Net charge-offs $0
Cash dividends $698
Sale, conversion, retirement of capital stock, net $448
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.37%
Cost of funding earning assets 1.75%
Net interest margin 3.62%
Noninterest income to earning assets 0.93%
Noninterest expense to earning assets 3.57%
Net operating income to assets 0.29%
Return on assets (ROA) 0.30%
Pretax return on assets 0.30%
Return on equity (ROE) 3.86%
Retained earnings to average equity (YTD only) 3.86%
Net charge-offs to loans 0.31%
Credit loss provision to net charge-offs 285.04%
Efficiency ratio4.35%
Assets per employee$78,483
Cash dividends to net income (YTD only)2.72%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.98%
Noncurrent assets plus other real estate owned to assets 30.44%
Noncurrent loans to loans 6.58%
Net loans and leases to deposits6.51%
Net loans and leases to core deposits 69.42%
Equity capital to assets 72.74%
Core capital (leverage) ratio 8.86%
Tier 1 risk-based capital ratio 8.77%
Total risk-based capital ratio 13.71%
Average assets$15
Average earning assets$229,489
Average equity $18,072
Average loans $198,880
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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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