The Union Bank and Savings Company in Bellevue, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 01, 1996

  • The Union Bank and Savings Company in Bellevue, Ohio (OH)
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The Union Bank and Savings Company - Overview

  • General
  • FDIC Certificate #: 740
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Croghan Colonial Bank (#13341)
    Federal Reserve ID: 183314
    Date Established: January 01, 1889
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Interstate: No)
    OTS Docket #: 11036
    FDIC's unique #: 469
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 01, 1996
    Last Structure Change Process Date: August 26, 1996
    Last Data Update: August 26, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: One Union Square, Bellevue, OH 44811
    County: Sandusky
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Toledo-Fremont, OH (#534)
    Core Based Statistical Area (CBSA): Fremont, OH (#23380)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $99.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $44Total assets
  • $97,194Cash and due from depository institutions
  • $3,394Interest-bearing balances
  • $0Securities
  • $27,445Federal funds sold & reverse repurchase agreements
  • $3,100Net loans & leases
  • $60,322Loan loss allowance
  • $697Trading account assets
  • $0Bank premises and fixed assets
  • $1,538Other real estate owned
  • $31Goodwill and other intangibles
  • $1,364Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $97,194Total liabilities
  • $87,995Total deposits
  • $87,570Interest-bearing deposits
  • $81,041Deposits held in domestic offices
  • 87570.00%% insured (estimated)
  • $84Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $425Total equity capital
  • $425Total bank equity capital
  • $9,199Perpetual preferred stock
  • $0Common stock
  • $1,200Surplus
  • $1,200Undivided profits
  • Memoranda
  • $6,799Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $22Income earned, not collected on loans
  • $618Earning assets
  • $90,867Long-term assets (5+ years)
  • $10,240Average Assets, year-to-date
  • $93,179Average Assets, quarterly
  • $95,643Volatile liabilities
  • $12,477Insider loans
  • $276FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $10,131Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $9,063Total risk weighted assets
  • $57,622Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $7,245Total interest expense
  • $3,210Net interest income
  • $4,035Provision for loan and lease losses
  • $60Total noninterest income
  • $264Fiduciary activities
  • $0Service charges on deposit accounts
  • $188Trading account gains & fees
  • $0Additional noninterest income
  • $76Total noninterest expense
  • $2,657Salaries and employee benefits
  • $1,343Premises and equipment expense
  • $543Additional noninterest expense
  • $771Pre-tax net operating income
  • $1,582Securities gains (losses)
  • -$40Applicable income taxes
  • $421Income before extraordinary items
  • $1,121Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,121Net charge-offs
  • $51Cash dividends
  • $428Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.28%Cost of funding earning assets
  • 3.67%Net interest margin
  • 4.61%Noninterest income to earning assets
  • 0.30%Noninterest expense to earning assets
  • 3.04%Net operating income to assets
  • 1.23%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 1.65%Return on equity (ROE)
  • 12.73%Retained earnings to average equity (YTD only)
  • 7.87%Net charge-offs to loans
  • 0.08%Credit loss provision to net charge-offs
  • 117.65%Efficiency ratio
  • 61,805Assets per employee
  • 2.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.18%Loss allowance to loans
  • 1.14%Loss allowance to noncurrent loans
  • 3168.18%Noncurrent assets plus other real estate owned to assets
  • 0.05%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 68.88%Net loans and leases to core deposits
  • 80.33%Equity capital to assets
  • 9.46%Core capital (leverage) ratio
  • 9.44%Tier 1 risk-based capital ratio
  • 15.73%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $93,179Average earning assets
  • $8,803Average equity
  • $87,501Average loans

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