Union Bank & Trust Company in Oxford, North Carolina (NC)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Union Bank & Trust Company in Oxford, North Carolina (NC)
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Union Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 58245
    Status: Active
    Federal Reserve ID: 3429059
    Date Established: April 03, 2006
    WWW: http://www.unionbanknc.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 444385
    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: April 03, 2006
    Last Structure Change Effective Date: April 30, 2007
    Last Structure Change Process Date: June 20, 2007
    Last Data Update: June 20, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 108 College Street, Oxford, NC 27565
    County: Granville
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Raleigh
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
  • Financial Summary
  • Total assets: $189.0 mil
    Equity capital: $22.7 mil
    Deposits held in domestic offices: $159.5 mil
    Return on assets (ROA): 0.96% ($1.8 mil)
    Quarterly return on assets: 0.66% ($1.2 mil)
    Return on Equity (ROE): 8.48% ($2.0 mil)
    Quarterly return on equity: 5.64% ($1.3 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.39% ($2,627.1 mil)
    Quarterly Pretax return on assets: 0.83% ($1,568.7 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
  • 49Total employees (full-time equivalent)
  • $188,997Total assets
  • $4,182Cash and due from depository institutions
  • $330Interest-bearing balances
  • $19,389Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $156,423Net loans & leases
  • $1,980Loan loss allowance
  • $0Trading account assets
  • $5,763Bank premises and fixed assets
  • $457Other real estate owned
  • $0Goodwill and other intangibles
  • $188,997Life insurance assets
  • $2,783All other assets
  • $166,294Total liabilities and capital
  • $159,491Total liabilities
  • $148,272Total deposits
  • $159,491Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,500Trading liabilities
  • $0Other borrowed funds
  • $303Subordinated debt
  • $22,703All other liabilities
  • $22,703Total equity capital
  • $22,703Total bank equity capital
  • $6,177Perpetual preferred stock
  • $7,802Common stock
  • $7,671Surplus
  • $1,053Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,373Income earned, not collected on loans
  • $0Earning assets
  • $866Long-term assets (5+ years)
  • $176,142Average Assets, year-to-date
  • $27,731Average Assets, quarterly
  • $191,531Volatile liabilities
  • $191,868Insider loans
  • $144,477FHLB advances
  • $193,988Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,128Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,949Restructured Loans and leases
  • $3,311Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,648Total interest income
  • $2,313Total interest expense
  • $8,335Net interest income
  • $473Provision for loan and lease losses
  • $449Total noninterest income
  • $0Fiduciary activities
  • $298Service charges on deposit accounts
  • $0Trading account gains & fees
  • $151Additional noninterest income
  • $5,698Total noninterest expense
  • $3,105Salaries and employee benefits
  • $583Premises and equipment expense
  • $2,010Additional noninterest expense
  • $2,613Pre-tax net operating income
  • $53Securities gains (losses)
  • $824Applicable income taxes
  • $1,842Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,842Net income attributable to bank
  • $0Net charge-offs
  • $1,842Cash dividends
  • $434Sale, conversion, retirement of capital stock, net
  • $236Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.95%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 4.66%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.39%Pretax return on assets
  • 8.48%Return on equity (ROE)
  • 7.39%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 108.99%Credit loss provision to net charge-offs
  • 7.11%Efficiency ratio
  • 64,868Assets per employee
  • 3.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 12.81%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 144.21%Noncurrent assets plus other real estate owned to assets
  • 0.97%Noncurrent loans to loans
  • 0.87%Net loans and leases to deposits
  • 98.08%Net loans and leases to core deposits
  • 121.91%Equity capital to assets
  • 12.01%Core capital (leverage) ratio
  • 11.41%Tier 1 risk-based capital ratio
  • 15.32%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $191,531Average earning assets
  • $21,733Average equity
  • $178,936Average loans

List of branches

  • 5 North Carolina Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0444385Union Bank & Trust Company108 College Street, Oxford, NC 27565April 03, 2006Full Service Brick and Mortar
    1466490Louisburg Branch512 South Bickett Boulevard, Louisburg, NC 27549October 16, 2006Full Service Brick and Mortar
    2477436Youngsville Branch978 Us Highway 1, Youngsville, NC 27596June 16, 2008Full Service Brick and Mortar
    3481676Henderson Office1203 Dabney Drive, Henderson, NC 27536September 09, 2008Full Service Brick and Mortar
    4518753Roxboro Branch1750 Durham Road, Roxboro, NC 27573April 25, 2011Full Service Brick and Mortar

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