The Union National Bank and Trust Company of Barbourville in Barbourville, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 06, 2008

  • The Union National Bank and Trust Company of Barbourville in Barbourville, Kentucky (KY)
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The Union National Bank and Trust Company of Barbourville - Overview

  • General
  • FDIC Certificate #: 11983
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Commercial Bank (#22354)
    Federal Reserve ID: 796415
    Date Established: January 01, 1934
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    OTS Docket #: 9147
    FDIC's unique #: 7648
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 06, 2008
    Last Structure Change Process Date: September 25, 2008
    Last Data Update: September 25, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 202 North Main Street, Barbourville, KY 40906
    County: Knox
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
  • Financial Summary
  • Total assets: $194.8 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, 2007)

  • Dollar figures in thousands
  • 69Total employees (full-time equivalent)
  • $203,271Total assets
  • $7,744Cash and due from depository institutions
  • $0Interest-bearing balances
  • $62,366Securities
  • $2,437Federal funds sold & reverse repurchase agreements
  • $125,318Net loans & leases
  • $1,651Loan loss allowance
  • $0Trading account assets
  • $2,806Bank premises and fixed assets
  • $35Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,565All other assets
  • $203,271Total liabilities and capital
  • $185,772Total liabilities
  • $179,982Total deposits
  • $159,414Interest-bearing deposits
  • $179,982Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $5,182Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $608All other liabilities
  • $17,499Total equity capital
  • $17,499Total bank equity capital
  • $17,499Perpetual preferred stock
  • $0Common stock
  • $263Surplus
  • $6,000Undivided profits
  • Memoranda
  • $11,236Noncurrent loans and leases
  • $10,572Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,197Earning assets
  • $0Long-term assets (5+ years)
  • $1,339Average Assets, year-to-date
  • $190,121Average Assets, quarterly
  • $41,096Volatile liabilities
  • $195,034Insider loans
  • $199,623FHLB advances
  • $58,768Loans and leases held for sale
  • $2,559Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $10,572Total unused commitments
  • $1,102Restructured Loans and leases
  • $1,413Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $12,902Total interest income
  • $5,981Total interest expense
  • $6,921Net interest income
  • $675Provision for loan and lease losses
  • $751Total noninterest income
  • $0Fiduciary activities
  • $460Service charges on deposit accounts
  • $0Trading account gains & fees
  • $291Additional noninterest income
  • $5,856Total noninterest expense
  • $3,474Salaries and employee benefits
  • $984Premises and equipment expense
  • $1,398Additional noninterest expense
  • $1,141Pre-tax net operating income
  • -$37Securities gains (losses)
  • $273Applicable income taxes
  • $831Income before extraordinary items
  • $0Extraordinary gains - net
  • $831Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $724Sale, conversion, retirement of capital stock, net
  • $1,795Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.11%Yield on earning assets
  • 3.29%Cost of funding earning assets
  • 3.81%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 0.44%Net operating income to assets
  • 0.43%Return on assets (ROA)
  • 0.57%Pretax return on assets
  • 4.60%Return on equity (ROE)
  • -5.34%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 93.23%Credit loss provision to net charge-offs
  • 2.51%Efficiency ratio
  • 76,330Assets per employee
  • 2.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 216.00%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 137.93%Noncurrent assets plus other real estate owned to assets
  • 0.61%Noncurrent loans to loans
  • 0.94%Net loans and leases to deposits
  • 69.63%Net loans and leases to core deposits
  • 99.15%Equity capital to assets
  • 8.61%Core capital (leverage) ratio
  • 8.65%Tier 1 risk-based capital ratio
  • 13.64%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $195,034Average earning assets
  • $18,047Average equity
  • $181,545Average loans

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