The Union National Bank of Mount Carmel in Mount Carmel, Pennsylvania (PA)



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The Union National Bank of Mount Carmel routing number info

Table of contents:
The Union National Bank of Mount Carmel
GeneralFDIC Certificate #: 7631
Status: Active
Federal Reserve ID: 249416
Bank Holding Company (Regulatory Top Holder): Unb Corp (RSSDID: 1249945, Location: Mount Carmel, PA)
Date Established: January 01, 1906
WWW: http://www.unbmountcarmel.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 11140
FDIC's unique #: 4947
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage 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: Third And Oak Streets, Mount Carmel, PA 17851
County: Northumberland
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Harrisburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Combined Statistical Area (CSA): Sunbury-Lewisburg-Selinsgrove, PA (#526)
Core Based Statistical Area (CBSA): Sunbury, PA (#44980)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $131.5 mil
Equity capital: $12.9 mil
Deposits held in domestic offices: $117.0 mil
Return on assets (ROA): 0.60% ($0.8 mil)
Quarterly return on assets: 0.50% ($0.7 mil)
Return on Equity (ROE): 6.43% ($0.8 mil)
Quarterly return on equity: 5.13% ($0.7 mil)
Net income: $0.8 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.68% ($894.0 mil)
Quarterly Pretax return on assets: 0.65% ($854.6 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)35
Total assets$131,472
Cash and due from depository institutions$2,500
Interest-bearing balances$6
Securities$41,318
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$80,991
Loan loss allowance $813
Trading account assets$0
Bank premises and fixed assets$2,635
Other real estate owned$105
Goodwill and other intangibles$0
All other assets$3,923
Life insurance assets$131,472
Total liabilities and capital$118,618
Total liabilities$116,973
Total deposits$100,765
Interest-bearing deposits$116,973
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$108
Other borrowed funds $0
Subordinated debt $1,537
All other liabilities $12,854
Total equity capital$12,854
Total bank equity capital$12,854
Perpetual preferred stock$0
Common stock$300
Surplus$1,631
Undivided profits $10,923
Memoranda
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 $506
Earning assets $0
Long-term assets (5+ years) $395
Average Assets, year-to-date $122,315
Average Assets, quarterly $92,335
Volatile liabilities $130,345
Insider loans $131,866
FHLB advances $68,861
Loans and leases held for sale $131,186
Unused loan commitments $2,589
Tier 1 (core) risk-based capital $290
Tier 2 risk-based capital $11,978
Total risk weighted assets $0
Total unused commitments $2,299
Restructured Loans and leases $4,064
Derivatives$770
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,700
Total interest expense $1,901
Net interest income $3,799
Provision for loan and lease losses $139
Total noninterest income $621
Fiduciary activities $25
Service charges on deposit accounts $321
Trading account gains & fees $0
Additional noninterest income $275
Total noninterest expense $3,490
Salaries and employee benefits $1,726
Premises and equipment expense $454
Additional noninterest expense $1,310
Pre-tax net operating income $791
Securities gains (losses) $93
Applicable income taxes $99
Income before extraordinary items $785
Extraordinary gains - net $0
Net income attributable to bank $785
Net charge-offs $0
Cash dividends $785
Sale, conversion, retirement of capital stock, net $56
Net operating income $219
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.65%
Cost of funding earning assets 1.55%
Net interest margin 3.10%
Noninterest income to earning assets 0.51%
Noninterest expense to earning assets 2.84%
Net operating income to assets 0.54%
Return on assets (ROA) 0.60%
Pretax return on assets 0.68%
Return on equity (ROE) 6.43%
Retained earnings to average equity (YTD only) 4.63%
Net charge-offs to loans 0.07%
Credit loss provision to net charge-offs 248.21%
Efficiency ratio16.61%
Assets per employee$78,959
Cash dividends to net income (YTD only)3.76%
Condition Ratios (%)
Loss allowance to loans 27.90%
Loss allowance to noncurrent loans 0.99%
Noncurrent assets plus other real estate owned to assets 160.67%
Noncurrent loans to loans 0.46%
Net loans and leases to deposits0.62%
Net loans and leases to core deposits 69.24%
Equity capital to assets 69.69%
Core capital (leverage) ratio 9.78%
Tier 1 risk-based capital ratio 9.13%
Total risk-based capital ratio 17.39%
Memoranda
Average assets$19
Average earning assets$130,345
Average equity $12,216
Average loans $122,677
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$3,838
Number of Accounts1
Personal trust and agency accounts$3,208
Employee benefit-defined contribution accounts$3,208
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts22
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$630
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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2 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04947The Union National Bank Of Mount CarThird And Oak Streets, Mount Carmel, PA 17851January 01, 1906Full Service Brick and Mortar
1216158Numidia Branch1071 Numidia Drive, Catawissa, PA 17820March 06, 1995Full Service Brick and Mortar
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