The Union County National Bank of Liberty in Liberty, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 2005

  • The Union County National Bank of Liberty in Liberty, Indiana (IN)
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The Union County National Bank of Liberty - Overview

  • General
  • FDIC Certificate #: 4353
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: United Communities National Bank (#15620)
    Federal Reserve ID: 406349
    Date Established: June 20, 1872
    WWW: http://www.firstmerchants.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Interstate: No)
    OTS Docket #: 9118
    FDIC's unique #: 2861
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 01, 2005
    Last Structure Change Process Date: January 12, 2005
    Last Data Update: January 12, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 107 West Union Street, Liberty, IN 47353
    County: Union
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • Financial Summary
  • Total assets: $197.3 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, 2004)

  • Dollar figures in thousands
  • 58Total employees (full-time equivalent)
  • $197,288Total assets
  • $4,630Cash and due from depository institutions
  • $580Interest-bearing balances
  • $32,008Securities
  • $6,100Federal funds sold & reverse repurchase agreements
  • $144,302Net loans & leases
  • $1,715Loan loss allowance
  • $0Trading account assets
  • $3,501Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $6,747All other assets
  • $197,288Total liabilities and capital
  • $182,308Total liabilities
  • $157,800Total deposits
  • $138,603Interest-bearing deposits
  • $157,800Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $3,829Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $20,000Other borrowed funds
  • $0Subordinated debt
  • $679All other liabilities
  • $14,980Total equity capital
  • $14,980Total bank equity capital
  • $14,980Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $2,000Undivided profits
  • Memoranda
  • $11,980Noncurrent loans and leases
  • $16,601Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,110Earning assets
  • $0Long-term assets (5+ years)
  • $1,182Average Assets, year-to-date
  • $182,990Average Assets, quarterly
  • $28,511Volatile liabilities
  • $193,039Insider loans
  • $195,724FHLB advances
  • $37,718Loans and leases held for sale
  • $1,816Unused loan commitments
  • $20,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $16,601Total unused commitments
  • $34Restructured Loans and leases
  • $1,697Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $10,008Total interest income
  • $3,289Total interest expense
  • $6,719Net interest income
  • $140Provision for loan and lease losses
  • $1,908Total noninterest income
  • $0Fiduciary activities
  • $964Service charges on deposit accounts
  • $0Trading account gains & fees
  • $944Additional noninterest income
  • $4,830Total noninterest expense
  • $2,398Salaries and employee benefits
  • $528Premises and equipment expense
  • $1,904Additional noninterest expense
  • $3,657Pre-tax net operating income
  • $209Securities gains (losses)
  • $1,157Applicable income taxes
  • $2,709Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,709Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $37Sale, conversion, retirement of capital stock, net
  • $2,180Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.58%Yield on earning assets
  • 1.83%Cost of funding earning assets
  • 3.74%Net interest margin
  • 1.06%Noninterest income to earning assets
  • 2.69%Noninterest expense to earning assets
  • 1.33%Net operating income to assets
  • 1.40%Return on assets (ROA)
  • 2.00%Pretax return on assets
  • 18.50%Return on equity (ROE)
  • 3.61%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 378.38%Credit loss provision to net charge-offs
  • 102.62%Efficiency ratio
  • 55,987Assets per employee
  • 3.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.47%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 154.50%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 0.76%Net loans and leases to deposits
  • 91.45%Net loans and leases to core deposits
  • 112.81%Equity capital to assets
  • 7.59%Core capital (leverage) ratio
  • 7.47%Tier 1 risk-based capital ratio
  • 10.75%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $193,039Average earning assets
  • $14,647Average equity
  • $179,429Average loans

Total Fiduciary and Related Assets (December 31, 2004)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $25Managed Assets
  • 1Number of Accounts
  • $9Personal trust and agency accounts
  • $9Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 3Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $16Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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