Union Bank & Trust Company in Monticello, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


Union Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 1753
    Status: Active
    Federal Reserve ID: 22048
    Bank Holding Company (Regulatory Top Holder): First Union Financial Corporation (RSSDID: 1098880, Location: Monticello, AR)
    Date Established: April 01, 1887
    WWW: http://www.unionbnk.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12426
    FDIC's unique #: 1164
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 26, 2008
    Last Structure Change Process Date: March 27, 2008
    Last Data Update: March 27, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 102 West Mccloy, Monticello, AR 71655
    County: Drew
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Little Rock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
  • Financial Summary
  • Total assets: $191.1 mil
    Equity capital: $19.1 mil
    Deposits held in domestic offices: $149.1 mil
    Return on assets (ROA): 0.56% ($1.1 mil)
    Quarterly return on assets: 0.42% ($0.8 mil)
    Return on Equity (ROE): 5.59% ($1.1 mil)
    Quarterly return on equity: 4.15% ($0.8 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.91% ($1,739.4 mil)
    Quarterly Pretax return on assets: 0.82% ($1,567.4 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
  • 64Total employees (full-time equivalent)
  • $191,141Total assets
  • $7,842Cash and due from depository institutions
  • $4,599Interest-bearing balances
  • $61,012Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $110,046Net loans & leases
  • $3,095Loan loss allowance
  • $0Trading account assets
  • $4,012Bank premises and fixed assets
  • $278Other real estate owned
  • $0Goodwill and other intangibles
  • $191,141Life insurance assets
  • $7,951All other assets
  • $172,070Total liabilities and capital
  • $149,136Total liabilities
  • $126,371Total deposits
  • $149,136Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 7482.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,994Trading liabilities
  • $0Other borrowed funds
  • $1,458Subordinated debt
  • $19,071All other liabilities
  • $19,071Total equity capital
  • $19,071Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $6,400Surplus
  • $11,671Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,565Income earned, not collected on loans
  • $0Earning assets
  • $1,053Long-term assets (5+ years)
  • $175,657Average Assets, year-to-date
  • $43,339Average Assets, quarterly
  • $188,030Volatile liabilities
  • $190,715Insider loans
  • $125,847FHLB advances
  • $191,245Loans and leases held for sale
  • $3,814Unused loan commitments
  • $3,814Tier 1 (core) risk-based capital
  • $18,303Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,832Restructured Loans and leases
  • $7,933Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,046Total interest income
  • $1,884Total interest expense
  • $7,162Net interest income
  • $508Provision for loan and lease losses
  • $1,787Total noninterest income
  • $72Fiduciary activities
  • $800Service charges on deposit accounts
  • $0Trading account gains & fees
  • $915Additional noninterest income
  • $6,764Total noninterest expense
  • $3,734Salaries and employee benefits
  • $1,092Premises and equipment expense
  • $1,938Additional noninterest expense
  • $1,677Pre-tax net operating income
  • $35Securities gains (losses)
  • $664Applicable income taxes
  • $1,048Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,048Net income attributable to bank
  • $0Net charge-offs
  • $1,048Cash dividends
  • $62Sale, conversion, retirement of capital stock, net
  • $469Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.29%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 4.19%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 3.95%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.91%Pretax return on assets
  • 5.59%Return on equity (ROE)
  • 3.09%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 819.35%Credit loss provision to net charge-offs
  • 35.24%Efficiency ratio
  • 75,584Assets per employee
  • 2.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.75%Loss allowance to loans
  • 2.74%Loss allowance to noncurrent loans
  • 197.76%Noncurrent assets plus other real estate owned to assets
  • 0.96%Noncurrent loans to loans
  • 1.38%Net loans and leases to deposits
  • 73.79%Net loans and leases to core deposits
  • 83.40%Equity capital to assets
  • 9.98%Core capital (leverage) ratio
  • 9.57%Tier 1 risk-based capital ratio
  • 14.54%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $188,030Average earning assets
  • $18,754Average equity
  • $171,081Average 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
  • $18,657Managed Assets
  • 1Number of Accounts
  • $14,867Personal trust and agency accounts
  • $13,523Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $1,315Investment management agency accounts
  • $0Other fiduciary accounts
  • $29Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 96Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,790Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $3,790Fiduciary accounts held in foreign offices

List of branches

  • 4 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01164Union Bank & Trust Company102 West Mccloy, Monticello, AR 71655April 01, 1887Full Service Brick and Mortar
    2190078University BranchHighway 81 South And West Bolling Street, Monticello, AR 71655May 19, 1980Full Service Brick and Mortar
    3190079Warren BranchMain Street, Warren, AR 71671January 03, 1994Full Service Brick and Mortar
    4190080Union Bank Express Branch510 Highway 425, Monticello, AR 71657October 17, 1996Full Service Brick and Mortar

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