Unibank in Steubenville, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 07, 1998

  • Unibank in Steubenville, Ohio (OH)
  • Show street view No street view available for this location

Unibank - Overview

  • General
  • FDIC Certificate #: 26235
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sky Bank (#14641)
    Federal Reserve ID: 418427
    Date Established: May 18, 1985
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 12 (Interstate: No)
    OTS Docket #: 13983
    FDIC's unique #: 32572
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 18, 1985
    Last Structure Change Effective Date: March 07, 1998
    Last Structure Change Process Date: March 18, 1998
    Last Data Update: March 18, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 North Fourth Street, Steubenville, OH 43952
    County: Jefferson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Steubenville-Weirton, OH-WV (#8080)
    Core Based Statistical Area (CBSA): Steubenville-Weirton, OH-WV (#44600)
    CBSA Metro Statistical Area: Steubenville-Weirton, OH-WV (#44600)
  • Financial Summary
  • Total assets: $216.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 119Total employees (full-time equivalent)
  • $216,140Total assets
  • $12,615Cash and due from depository institutions
  • $2,824Interest-bearing balances
  • $63,866Securities
  • $10,350Federal funds sold & reverse repurchase agreements
  • $120,263Net loans & leases
  • $1,371Loan loss allowance
  • $0Trading account assets
  • $3,217Bank premises and fixed assets
  • $15Other real estate owned
  • $1,666Goodwill and other intangibles
  • $0Life insurance assets
  • $4,148All other assets
  • $216,140Total liabilities and capital
  • $198,331Total liabilities
  • $192,454Total deposits
  • $175,253Interest-bearing deposits
  • $192,454Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $4,524Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,353All other liabilities
  • $17,809Total equity capital
  • $17,809Total bank equity capital
  • $17,809Perpetual preferred stock
  • $0Common stock
  • $750Surplus
  • $6,750Undivided profits
  • Memoranda
  • $10,309Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $384Earning assets
  • $0Long-term assets (5+ years)
  • $644Average Assets, year-to-date
  • $197,303Average Assets, quarterly
  • $27,748Volatile liabilities
  • $207,916Insider loans
  • $218,109FHLB advances
  • $16,220Loans and leases held for sale
  • $7,997Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $11,483Total unused commitments
  • $0Restructured Loans and leases
  • $137,184Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $15,095Total interest income
  • $6,670Total interest expense
  • $8,425Net interest income
  • $619Provision for loan and lease losses
  • $924Total noninterest income
  • $0Fiduciary activities
  • $509Service charges on deposit accounts
  • $0Trading account gains & fees
  • $415Additional noninterest income
  • $6,655Total noninterest expense
  • $3,535Salaries and employee benefits
  • $768Premises and equipment expense
  • $2,352Additional noninterest expense
  • $2,075Pre-tax net operating income
  • $10Securities gains (losses)
  • $643Applicable income taxes
  • $1,442Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,442Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $293Sale, conversion, retirement of capital stock, net
  • $676Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.92%Yield on earning assets
  • 3.50%Cost of funding earning assets
  • 4.42%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 3.49%Noninterest expense to earning assets
  • 0.69%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 1.00%Pretax return on assets
  • 8.20%Return on equity (ROE)
  • 4.35%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 211.26%Credit loss provision to net charge-offs
  • 9.19%Efficiency ratio
  • 68,949Assets per employee
  • 1.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.88%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 357.03%Noncurrent assets plus other real estate owned to assets
  • 0.18%Noncurrent loans to loans
  • 0.32%Net loans and leases to deposits
  • 62.49%Net loans and leases to core deposits
  • 66.53%Equity capital to assets
  • 8.24%Core capital (leverage) ratio
  • 7.30%Tier 1 risk-based capital ratio
  • 11.77%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $207,916Average earning assets
  • $17,593Average equity
  • $190,669Average loans

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