UNICO Bank in Mineral Point, Missouri (MO), AR
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| UNICO Bank | |
|---|---|
| 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 84 |
| Total assets | $229,816 |
| Cash and due from depository institutions | $3,626 |
| Interest-bearing balances | $93 |
| Securities | $78,686 |
| Federal funds sold & reverse repurchase agreements | $6,241 |
| Net loans & leases | $116,479 |
| Loan loss allowance | $1,187 |
| Trading account assets | $10,294 |
| Bank premises and fixed assets | $9,347 |
| Other real estate owned | $2,366 |
| Goodwill and other intangibles | $0 |
| All other assets | $2,777 |
| Life insurance assets | $229,816 |
| Total liabilities and capital | $208,401 |
| Total liabilities | $201,791 |
| Total deposits | $180,140 |
| Interest-bearing deposits | $201,791 |
| Deposits held in domestic offices | $90 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $6,000 |
| Other borrowed funds | $0 |
| Subordinated debt | $610 |
| All other liabilities | $21,415 |
| Total equity capital | $21,415 |
| Total bank equity capital | $21,415 |
| Perpetual preferred stock | $0 |
| Common stock | $130 |
| Surplus | $5,032 |
| Undivided profits | $16,253 |
| 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 | $936 |
| Earning assets | $35 |
| Long-term assets (5+ years) | $1,356 |
| Average Assets, year-to-date | $211,793 |
| Average Assets, quarterly | $66,373 |
| Volatile liabilities | $230,955 |
| Insider loans | $230,600 |
| FHLB advances | $156,912 |
| Loans and leases held for sale | $233,409 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $21,728 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $8,314 |
| Derivatives | $613 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $11,916 |
| Total interest expense | $2,921 |
| Net interest income | $8,995 |
| Provision for loan and lease losses | $25 |
| Total noninterest income | $1,683 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $1,133 |
| Trading account gains & fees | -$34 |
| Additional noninterest income | $584 |
| Total noninterest expense | $6,747 |
| Salaries and employee benefits | $3,579 |
| Premises and equipment expense | $1,040 |
| Additional noninterest expense | $2,128 |
| Pre-tax net operating income | $3,906 |
| Securities gains (losses) | -$657 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $3,249 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $3,249 |
| Net charge-offs | $0 |
| Cash dividends | $3,249 |
| Sale, conversion, retirement of capital stock, net | $187 |
| Net operating income | $1,272 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.58% |
| Cost of funding earning assets | 1.37% |
| Net interest margin | 4.22% |
| Noninterest income to earning assets | 0.79% |
| Noninterest expense to earning assets | 3.16% |
| Net operating income to assets | 1.69% |
| Return on assets (ROA) | 1.41% |
| Pretax return on assets | 1.41% |
| Return on equity (ROE) | 15.90% |
| Retained earnings to average equity (YTD only) | 9.67% |
| Net charge-offs to loans | 0.16% |
| Credit loss provision to net charge-offs | 13.37% |
| Efficiency ratio | 21.02% |
| Assets per employee | $63,186 |
| Cash dividends to net income (YTD only) | 2.74% |
| Condition Ratios (%) | |
| Loss allowance to loans | 39.15% |
| Loss allowance to noncurrent loans | 1.01% |
| Noncurrent assets plus other real estate owned to assets | 126.82% |
| Noncurrent loans to loans | 1.44% |
| Net loans and leases to deposits | 0.80% |
| Net loans and leases to core deposits | 57.72% |
| Equity capital to assets | 61.37% |
| Core capital (leverage) ratio | 9.32% |
| Tier 1 risk-based capital ratio | 9.31% |
| Total risk-based capital ratio | 13.85% |
| Memoranda | |
| Average assets | $15 |
| Average earning assets | $230,955 |
| Average equity | $20,438 |
| Average loans | $213,384 |
| 7 Arkansas Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 4 | 286262 | Harrisburg Branch | 1100 North Illinois, Harrisburg, AR 72432 | June 30, 1986 | Full Service Brick and Mortar |  |
| 5 | 286263 | Marked Tree Branch | 200 10th Street, Marked Tree, AR 72365 | June 30, 1986 | Full Service Brick and Mortar | |
| 6 | 289217 | Paragould Branch | 506 West Kings Highway, Paragould, AR 72450 | April 21, 1993 | Full Service Brick and Mortar | |
| 8 | 429598 | Oak Grove Branch | 4763 Hwy. 135 North, Paragould, AR 72450 | November 07, 2003 | Full Service Brick and Mortar | |
| 9 | 451476 | Trumann Branch | 514 Industrial Drive, Trumann, AR 72472 | January 27, 2006 | Full Service Brick and Mortar | |
| 11 | 511136 | Linwood Drive Branch | 1908 Linwood Drive, Paragould, AR 72450 | August 02, 2010 | Full Service Brick and Mortar | |
| 12 | 485631 | Reynolds Road Branch | 201 Reynolds Road, Paragould, AR 72450 | January 26, 2009 | Full Service Brick and Mortar | |
| 4 Missouri Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 6798 | Unico Bank | 625 Veterans Drive, Mineral Point, MO 63660 | January 01, 1901 | Full Service Brick and Mortar |  |
| 1 | 222783 | Irondale Branch | 114 South Oak Street, Irondale, MO 63648 | June 02, 1975 | Full Service Brick and Mortar | |
| 3 | 46336 | Kennett Branch | 1115 Independence Avenue, Kennett, MO 63857 | June 22, 1990 | Full Service Brick and Mortar | |
| 10 | 487510 | Desloge Branch | 400 North State Street, Desloge, MO 63601 | November 13, 2008 | Full Service Brick and Mortar | |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.