Union Bank & Trust Company in Montgomery, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 20, 1995

  • Union Bank & Trust Company in Montgomery, Alabama (AL)
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Union Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 5601
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#12368)
    Federal Reserve ID: 421735
    Date Established: April 01, 1901
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 10 (Interstate: No)
    FDIC's unique #: 3814
    Numeric code: 13
    Regulator: FED
    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: January 01, 1934
    Last Structure Change Effective Date: January 20, 1995
    Last Structure Change Process Date: Febuary 22, 1995
    Last Data Update: Febuary 22, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 60 Commerce Street, Montgomery, AL 36104
    County: Montgomery
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Montgomery
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Montgomery, AL (#5240)
    Combined Statistical Area (CSA): Montgomery-Alexander City, AL (#388)
    Core Based Statistical Area (CBSA): Montgomery, AL (#33860)
    CBSA Metro Statistical Area: Montgomery, AL (#33860)
  • Financial Summary
  • Total assets: $417.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $184Total assets
  • $417,905Cash and due from depository institutions
  • $22,581Interest-bearing balances
  • $0Securities
  • $162,761Federal funds sold & reverse repurchase agreements
  • $31,000Net loans & leases
  • $155,313Loan loss allowance
  • $3,618Trading account assets
  • $0Bank premises and fixed assets
  • $5,935Other real estate owned
  • $0Goodwill and other intangibles
  • $8,379Life insurance assets
  • $31,936All other assets
  • $0Total liabilities and capital
  • $417,905Total liabilities
  • $352,241Total deposits
  • $303,911Interest-bearing deposits
  • $242,713Deposits held in domestic offices
  • 303911.00%% insured (estimated)
  • $80Federal funds purchased & repurchase agreements
  • $40,702Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $7,628Total equity capital
  • $7,628Total bank equity capital
  • $65,664Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $1Undivided profits
  • Memoranda
  • $65,662Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $408Income earned, not collected on loans
  • $960Earning assets
  • $349,074Long-term assets (5+ years)
  • $41,991Average Assets, year-to-date
  • $434,794Average Assets, quarterly
  • $418,249Volatile liabilities
  • $73,663Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $57,235Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $33,728Total risk weighted assets
  • $173,536Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $24,374Total interest expense
  • $11,660Net interest income
  • $12,714Provision for loan and lease losses
  • -$1,337Total noninterest income
  • $5,767Fiduciary activities
  • $1,944Service charges on deposit accounts
  • $1,662Trading account gains & fees
  • $17Additional noninterest income
  • $2,144Total noninterest expense
  • $13,160Salaries and employee benefits
  • $6,507Premises and equipment expense
  • $1,526Additional noninterest expense
  • $5,127Pre-tax net operating income
  • $6,658Securities gains (losses)
  • $70Applicable income taxes
  • $2,093Income before extraordinary items
  • $4,635Extraordinary gains - net
  • $0Net income attributable to bank
  • $4,635Net charge-offs
  • -$337Cash dividends
  • $1,552Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.26%Cost of funding earning assets
  • 3.00%Net interest margin
  • 3.27%Noninterest income to earning assets
  • 1.48%Noninterest expense to earning assets
  • 3.38%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 1.55%Return on equity (ROE)
  • 9.53%Retained earnings to average equity (YTD only)
  • 6.34%Net charge-offs to loans
  • -0.21%Credit loss provision to net charge-offs
  • 396.74%Efficiency ratio
  • 69,212Assets per employee
  • 2.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.48%Loss allowance to loans
  • 2.28%Loss allowance to noncurrent loans
  • 886.76%Noncurrent assets plus other real estate owned to assets
  • 0.10%Noncurrent loans to loans
  • 0.26%Net loans and leases to deposits
  • 51.10%Net loans and leases to core deposits
  • 57.32%Equity capital to assets
  • 15.71%Core capital (leverage) ratio
  • 8.87%Tier 1 risk-based capital ratio
  • 19.44%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $434,794Average earning assets
  • $48,619Average equity
  • $389,311Average loans

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