The Union Savings Bank in Sedalia, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 2011

The Union Savings Bank - Overview

  • General
  • FDIC Certificate #: 1948
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Third National Bank of Sedalia (#4569)
    Federal Reserve ID: 280950
    Date Established: June 25, 1913
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 1310
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 01, 2011
    Last Structure Change Process Date: October 05, 2011
    Last Data Update: October 05, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 South Ohio Street, Sedalia, MO 65301
    County: Pettis
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Sedalia, MO (#42740)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $92.9 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, 2010)

  • Dollar figures in thousands
  • 36Total employees (full-time equivalent)
  • $95,502Total assets
  • $8,791Cash and due from depository institutions
  • $6,951Interest-bearing balances
  • $40,805Securities
  • $1,400Federal funds sold & reverse repurchase agreements
  • $42,520Net loans & leases
  • $735Loan loss allowance
  • $0Trading account assets
  • $682Bank premises and fixed assets
  • $35Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,269All other assets
  • $95,502Total liabilities and capital
  • $84,270Total liabilities
  • $84,121Total deposits
  • $70,676Interest-bearing deposits
  • $84,121Deposits held in domestic offices
  • 94.93%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $149All other liabilities
  • $11,232Total equity capital
  • $11,232Total bank equity capital
  • $11,232Perpetual preferred stock
  • $0Common stock
  • $300Surplus
  • $660Undivided profits
  • Memoranda
  • $10,272Noncurrent loans and leases
  • $4,730Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $40Earning assets
  • $0Long-term assets (5+ years)
  • $606Average Assets, year-to-date
  • $91,676Average Assets, quarterly
  • $6,335Volatile liabilities
  • $100,585Insider loans
  • $96,926FHLB advances
  • $5,810Loans and leases held for sale
  • $412Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,730Total unused commitments
  • $0Restructured Loans and leases
  • $653Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $3,665Total interest income
  • $885Total interest expense
  • $2,780Net interest income
  • $5Provision for loan and lease losses
  • $238Total noninterest income
  • $0Fiduciary activities
  • $91Service charges on deposit accounts
  • $0Trading account gains & fees
  • $147Additional noninterest income
  • $2,829Total noninterest expense
  • $1,894Salaries and employee benefits
  • $182Premises and equipment expense
  • $753Additional noninterest expense
  • $184Pre-tax net operating income
  • $1Securities gains (losses)
  • $19Applicable income taxes
  • $166Income before extraordinary items
  • $0Extraordinary gains - net
  • $166Net income attributable to bank
  • $0Net charge-offs
  • $166Cash dividends
  • -$11Sale, conversion, retirement of capital stock, net
  • $75Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.85%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 2.92%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 0.16%Net operating income to assets
  • 0.17%Return on assets (ROA)
  • 0.18%Pretax return on assets
  • 1.47%Return on equity (ROE)
  • 0.81%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -45.45%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 93,738Assets per employee
  • 2.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.18%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 1837.50%Noncurrent assets plus other real estate owned to assets
  • 0.08%Noncurrent loans to loans
  • 0.09%Net loans and leases to deposits
  • 50.55%Net loans and leases to core deposits
  • 54.30%Equity capital to assets
  • 11.76%Core capital (leverage) ratio
  • 11.49%Tier 1 risk-based capital ratio
  • 21.72%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $100,585Average earning assets
  • $11,287Average equity
  • $95,279Average loans

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