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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