Union Bank & Trust Company in Evansville, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


Union Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 15177
    Status: Active
    Federal Reserve ID: 68840
    Bank Holding Company (Regulatory Top Holder): Union Bancorp Of Evansville, Inc. (RSSDID: 1209501, Location: Evansville, WI)
    Date Established: January 01, 1897
    WWW: http://www.ub-t.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 11613
    FDIC's unique #: 9542
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 05, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2 East Main Street, Evansville, WI 53536
    County: Rock
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Janesville-Beloit, WI (#3620)
    Core Based Statistical Area (CBSA): Janesville, WI (#27500)
    CBSA Metro Statistical Area: Janesville, WI (#27500)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $196.6 mil
    Equity capital: $17.7 mil
    Deposits held in domestic offices: $177.0 mil
    Return on assets (ROA): 0.45% ($0.9 mil)
    Quarterly return on assets: 0.13% ($0.3 mil)
    Return on Equity (ROE): 5.11% ($0.9 mil)
    Quarterly return on equity: 1.40% ($0.3 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.46% ($904.5 mil)
    Quarterly Pretax return on assets: -0.07% (-$137.6 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
  • 47Total employees (full-time equivalent)
  • $196,640Total assets
  • $11,987Cash and due from depository institutions
  • $7,164Interest-bearing balances
  • $56,928Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $114,724Net loans & leases
  • $694Loan loss allowance
  • $0Trading account assets
  • $4,680Bank premises and fixed assets
  • $1,411Other real estate owned
  • $303Goodwill and other intangibles
  • $196,640Life insurance assets
  • $6,607All other assets
  • $178,971Total liabilities and capital
  • $177,003Total liabilities
  • $157,121Total deposits
  • $177,003Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 751.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,217Subordinated debt
  • $17,669All other liabilities
  • $17,669Total equity capital
  • $17,669Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $5,900Surplus
  • $11,569Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,927Income earned, not collected on loans
  • $0Earning assets
  • $840Long-term assets (5+ years)
  • $178,816Average Assets, year-to-date
  • $39,719Average Assets, quarterly
  • $192,133Volatile liabilities
  • $193,418Insider loans
  • $118,498FHLB advances
  • $191,933Loans and leases held for sale
  • $3,540Unused loan commitments
  • $3,540Tier 1 (core) risk-based capital
  • $16,042Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,763Restructured Loans and leases
  • $1,689Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,641Total interest income
  • $1,290Total interest expense
  • $7,351Net interest income
  • $1,812Provision for loan and lease losses
  • $1,545Total noninterest income
  • $24Fiduciary activities
  • $360Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,161Additional noninterest income
  • $6,553Total noninterest expense
  • $2,856Salaries and employee benefits
  • $750Premises and equipment expense
  • $2,947Additional noninterest expense
  • $531Pre-tax net operating income
  • $358Securities gains (losses)
  • $21Applicable income taxes
  • $868Income before extraordinary items
  • $0Extraordinary gains - net
  • $868Net income attributable to bank
  • $0Net charge-offs
  • $868Cash dividends
  • $3,667Sale, conversion, retirement of capital stock, net
  • $260Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 4.20%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 3.74%Noninterest expense to earning assets
  • 0.27%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.46%Pretax return on assets
  • 5.11%Return on equity (ROE)
  • 3.58%Retained earnings to average equity (YTD only)
  • 3.08%Net charge-offs to loans
  • 49.41%Credit loss provision to net charge-offs
  • 0.64%Efficiency ratio
  • 73,662Assets per employee
  • 4.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.95%Loss allowance to loans
  • 0.60%Loss allowance to noncurrent loans
  • 23.71%Noncurrent assets plus other real estate owned to assets
  • 2.21%Noncurrent loans to loans
  • 2.54%Net loans and leases to deposits
  • 64.81%Net loans and leases to core deposits
  • 70.62%Equity capital to assets
  • 8.99%Core capital (leverage) ratio
  • 8.36%Tier 1 risk-based capital ratio
  • 13.54%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $192,133Average earning assets
  • $16,985Average equity
  • $175,106Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $4,276Managed Assets
  • 1Number of Accounts
  • $4,276Personal trust and agency accounts
  • $2,838Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $191Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $1,064Fiduciary accounts held in foreign offices
  • $183Non-managed Assets
  • 14Number of Accounts
  • $0Personal trust and agency accounts
  • $191Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09542Union Bank & Trust Company2 East Main Street, Evansville, WI 53536January 01, 1897Full Service Brick and Mortar
    18391Bank Of Brooklyn210 Commercial, Brooklyn, WI 53521July 01, 1900Full Service Brick and Mortar
    2233333Bank Of Belleville110 Greenway Cross, Belleville, WI 53508March 03, 1997Full Service Brick and Mortar
    3419474Bank Of Oregon883 N. Main St, Oregon, WI 53575April 07, 2003Full Service Brick and Mortar
    328207538New Glarus Branch512 Highway 69, New Glarus, WI 53574August 27, 1990Full Service Brick and Mortar

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