UNICO Bank, Federal Savings Bank in Kennett, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 15, 2000

  • UNICO Bank, Federal Savings Bank in Kennett, Missouri (MO)
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UNICO Bank, Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 33102
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: UNICO Bank (#10608)
    Federal Reserve ID: 674577
    Date Established: June 22, 1990
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 8858
    FDIC's unique #: 46336
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: June 22, 1990
    Last Structure Change Effective Date: January 15, 2000
    Last Structure Change Process Date: March 29, 2000
    Last Data Update: March 29, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 1115 Independence Avenue, Kennett, MO 63857
    County: Dunklin
    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
    Core Based Statistical Area (CBSA): Kennett, MO (#28380)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $103.9 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 45Total employees (full-time equivalent)
  • $103,942Total assets
  • $2,192Cash and due from depository institutions
  • $604Interest-bearing balances
  • $24,090Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $73,202Net loans & leases
  • $552Loan loss allowance
  • $0Trading account assets
  • $2,459Bank premises and fixed assets
  • $17Other real estate owned
  • $32Goodwill and other intangibles
  • $0Life insurance assets
  • $1,950All other assets
  • $103,942Total liabilities and capital
  • $99,088Total liabilities
  • $90,959Total deposits
  • $85,016Interest-bearing deposits
  • $90,959Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $7,525Other borrowed funds
  • $0Subordinated debt
  • $604All other liabilities
  • $4,854Total equity capital
  • $4,854Total bank equity capital
  • $4,854Perpetual preferred stock
  • $0Common stock
  • $2Surplus
  • $4,457Undivided profits
  • Memoranda
  • $395Noncurrent loans and leases
  • $4,204Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,024Earning assets
  • $0Long-term assets (5+ years)
  • $666Average Assets, year-to-date
  • $97,896Average Assets, quarterly
  • $0Volatile liabilities
  • $96,649Insider loans
  • $105,296FHLB advances
  • $32,260Loans and leases held for sale
  • $1,472Unused loan commitments
  • $7,525Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,204Total unused commitments
  • $0Restructured Loans and leases
  • $375Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $7,456Total interest income
  • $4,723Total interest expense
  • $2,733Net interest income
  • $536Provision for loan and lease losses
  • $731Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $731Additional noninterest income
  • $2,498Total noninterest expense
  • $1,187Salaries and employee benefits
  • $395Premises and equipment expense
  • $916Additional noninterest expense
  • $430Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $430Income before extraordinary items
  • $0Extraordinary gains - net
  • $430Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $262Sale, conversion, retirement of capital stock, net
  • $333Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.15%Yield on earning assets
  • 5.16%Cost of funding earning assets
  • 2.99%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 2.73%Noninterest expense to earning assets
  • 0.44%Net operating income to assets
  • 0.44%Return on assets (ROA)
  • 0.44%Pretax return on assets
  • 9.68%Return on equity (ROE)
  • 2.18%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 204.58%Credit loss provision to net charge-offs
  • 3.69%Efficiency ratio
  • 71,738Assets per employee
  • 2.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 77.44%Loss allowance to loans
  • 0.75%Loss allowance to noncurrent loans
  • 53.91%Noncurrent assets plus other real estate owned to assets
  • 1.00%Noncurrent loans to loans
  • 1.39%Net loans and leases to deposits
  • 80.48%Net loans and leases to core deposits
  • 110.54%Equity capital to assets
  • 4.67%Core capital (leverage) ratio
  • 6.49%Tier 1 risk-based capital ratio
  • 12.20%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $96,649Average earning assets
  • $4,444Average equity
  • $91,502Average loans

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