UNICO Bank in Mineral Point, Missouri (MO), AR
Overview, Financial Summary, Detailed Financial Reports, Branches


UNICO Bank - Overview

  • General
  • FDIC Certificate #: 10608
    Status: Active
    Federal Reserve ID: 975153
    Bank Holding Company (Regulatory Top Holder): Washco Bancshares, Inc. (RSSDID: 1119525, Location: Potosi, MO)
    Date Established: January 01, 1901
    WWW: http://www.unicobank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Domestic: 11, Interstate: Yes)
    OTS Docket #: 9661
    FDIC's unique #: 6798
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 30, 2010
    Last Structure Change Process Date: August 16, 2010
    Last Data Update: August 16, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 625 Veterans Drive, Mineral Point, MO 63660
    County: Washington
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $229.8 mil
    Equity capital: $21.4 mil
    Deposits held in domestic offices: $201.8 mil
    Return on assets (ROA): 1.41% ($3.2 mil)
    Quarterly return on assets: -1.39% (-$3.2 mil)
    Return on Equity (ROE): 15.90% ($3.3 mil)
    Quarterly return on equity: -14.75% (-$3.1 mil)
    Net income: $3.2 mil
    Quarterly Net income: -$0.8 mil
    Pretax return on assets: 1.41% ($3,240.4 mil)
    Quarterly Pretax return on assets: -1.39% (-$3,194.4 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
  • 84Total employees (full-time equivalent)
  • $229,816Total assets
  • $3,626Cash and due from depository institutions
  • $93Interest-bearing balances
  • $78,686Securities
  • $6,241Federal funds sold & reverse repurchase agreements
  • $116,479Net loans & leases
  • $1,187Loan loss allowance
  • $10,294Trading account assets
  • $9,347Bank premises and fixed assets
  • $2,366Other real estate owned
  • $0Goodwill and other intangibles
  • $229,816Life insurance assets
  • $2,777All other assets
  • $208,401Total liabilities and capital
  • $201,791Total liabilities
  • $180,140Total deposits
  • $201,791Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,000Trading liabilities
  • $0Other borrowed funds
  • $610Subordinated debt
  • $21,415All other liabilities
  • $21,415Total equity capital
  • $21,415Total bank equity capital
  • $0Perpetual preferred stock
  • $130Common stock
  • $5,032Surplus
  • $16,253Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $936Income earned, not collected on loans
  • $35Earning assets
  • $1,356Long-term assets (5+ years)
  • $211,793Average Assets, year-to-date
  • $66,373Average Assets, quarterly
  • $230,955Volatile liabilities
  • $230,600Insider loans
  • $156,912FHLB advances
  • $233,409Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $21,728Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,314Restructured Loans and leases
  • $613Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,916Total interest income
  • $2,921Total interest expense
  • $8,995Net interest income
  • $25Provision for loan and lease losses
  • $1,683Total noninterest income
  • $0Fiduciary activities
  • $1,133Service charges on deposit accounts
  • -$34Trading account gains & fees
  • $584Additional noninterest income
  • $6,747Total noninterest expense
  • $3,579Salaries and employee benefits
  • $1,040Premises and equipment expense
  • $2,128Additional noninterest expense
  • $3,906Pre-tax net operating income
  • -$657Securities gains (losses)
  • $0Applicable income taxes
  • $3,249Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,249Net income attributable to bank
  • $0Net charge-offs
  • $3,249Cash dividends
  • $187Sale, conversion, retirement of capital stock, net
  • $1,272Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.58%Yield on earning assets
  • 1.37%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 3.16%Noninterest expense to earning assets
  • 1.69%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 15.90%Return on equity (ROE)
  • 9.67%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 13.37%Credit loss provision to net charge-offs
  • 21.02%Efficiency ratio
  • 63,186Assets per employee
  • 2.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.15%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 126.82%Noncurrent assets plus other real estate owned to assets
  • 1.44%Noncurrent loans to loans
  • 0.80%Net loans and leases to deposits
  • 57.72%Net loans and leases to core deposits
  • 61.37%Equity capital to assets
  • 9.32%Core capital (leverage) ratio
  • 9.31%Tier 1 risk-based capital ratio
  • 13.85%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $230,955Average earning assets
  • $20,438Average equity
  • $213,384Average loans

List of branches

  • 7 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4286262Harrisburg Branch1100 North Illinois, Harrisburg, AR 72432June 30, 1986Full Service Brick and Mortar
    5286263Marked Tree Branch200 10th Street, Marked Tree, AR 72365June 30, 1986Full Service Brick and Mortar
    6289217Paragould Branch506 West Kings Highway, Paragould, AR 72450April 21, 1993Full Service Brick and Mortar
    8429598Oak Grove Branch4763 Hwy. 135 North, Paragould, AR 72450November 07, 2003Full Service Brick and Mortar
    9451476Trumann Branch514 Industrial Drive, Trumann, AR 72472January 27, 2006Full Service Brick and Mortar
    11511136Linwood Drive Branch1908 Linwood Drive, Paragould, AR 72450August 02, 2010Full Service Brick and Mortar
    12485631Reynolds Road Branch201 Reynolds Road, Paragould, AR 72450January 26, 2009Full Service Brick and Mortar
  • 4 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06798Unico Bank625 Veterans Drive, Mineral Point, MO 63660January 01, 1901Full Service Brick and Mortar
    1222783Irondale Branch114 South Oak Street, Irondale, MO 63648June 02, 1975Full Service Brick and Mortar
    346336Kennett Branch1115 Independence Avenue, Kennett, MO 63857June 22, 1990Full Service Brick and Mortar
    10487510Desloge Branch400 North State Street, Desloge, MO 63601November 13, 2008Full Service Brick and Mortar

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