Union Bank & Trust Company in Livingston, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


Union Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 9179
    Status: Active
    Federal Reserve ID: 80431
    Bank Holding Company (Regulatory Top Holder): Overton Financial Services, Inc. (RSSDID: 2854092, Location: Livingston, TN)
    Date Established: January 01, 1932
    WWW: http://www.myubtc.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 14563
    FDIC's unique #: 5876
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 26, 2007
    Last Structure Change Process Date: June 26, 2007
    Last Data Update: June 26, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 East Main Street, Livingston, TN 38570
    County: Overton
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Nashville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Cookeville, TN (#18260)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $77.4 mil
    Equity capital: $8.5 mil
    Deposits held in domestic offices: $68.6 mil
    Return on assets (ROA): 2.28% ($1.8 mil)
    Quarterly return on assets: 2.09% ($1.6 mil)
    Return on Equity (ROE): 21.71% ($2.0 mil)
    Quarterly return on equity: 18.50% ($1.7 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 2.44% ($1,888.1 mil)
    Quarterly Pretax return on assets: 2.23% ($1,725.6 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
  • 18Total employees (full-time equivalent)
  • $77,381Total assets
  • $2,518Cash and due from depository institutions
  • $93Interest-bearing balances
  • $22,096Securities
  • $700Federal funds sold & reverse repurchase agreements
  • $49,037Net loans & leases
  • $724Loan loss allowance
  • $0Trading account assets
  • $1,426Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $77,381Life insurance assets
  • $1,604All other assets
  • $68,881Total liabilities and capital
  • $68,557Total liabilities
  • $55,474Total deposits
  • $68,557Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $324Subordinated debt
  • $8,500All other liabilities
  • $8,500Total equity capital
  • $8,500Total bank equity capital
  • $0Perpetual preferred stock
  • $155Common stock
  • $155Surplus
  • $8,190Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,066Income earned, not collected on loans
  • $0Earning assets
  • $445Long-term assets (5+ years)
  • $71,926Average Assets, year-to-date
  • $36,452Average Assets, quarterly
  • $80,503Volatile liabilities
  • $78,891Insider loans
  • $46,525FHLB advances
  • $77,970Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,934Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,593Restructured Loans and leases
  • $491Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,452Total interest income
  • $494Total interest expense
  • $3,958Net interest income
  • $509Provision for loan and lease losses
  • $512Total noninterest income
  • $0Fiduciary activities
  • $341Service charges on deposit accounts
  • $0Trading account gains & fees
  • $171Additional noninterest income
  • $2,261Total noninterest expense
  • $1,343Salaries and employee benefits
  • $143Premises and equipment expense
  • $775Additional noninterest expense
  • $1,700Pre-tax net operating income
  • $261Securities gains (losses)
  • $125Applicable income taxes
  • $1,836Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,836Net income attributable to bank
  • $0Net charge-offs
  • $1,836Cash dividends
  • $456Sale, conversion, retirement of capital stock, net
  • $1,200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.97%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 5.31%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 3.03%Noninterest expense to earning assets
  • 1.98%Net operating income to assets
  • 2.28%Return on assets (ROA)
  • 2.44%Pretax return on assets
  • 21.71%Return on equity (ROE)
  • 7.52%Retained earnings to average equity (YTD only)
  • 0.92%Net charge-offs to loans
  • 111.62%Credit loss provision to net charge-offs
  • 4.84%Efficiency ratio
  • 50,582Assets per employee
  • 4.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.36%Loss allowance to loans
  • 1.45%Loss allowance to noncurrent loans
  • 67.92%Noncurrent assets plus other real estate owned to assets
  • 1.38%Noncurrent loans to loans
  • 2.14%Net loans and leases to deposits
  • 71.53%Net loans and leases to core deposits
  • 73.16%Equity capital to assets
  • 10.98%Core capital (leverage) ratio
  • 10.18%Tier 1 risk-based capital ratio
  • 17.05%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $80,503Average earning assets
  • $8,459Average equity
  • $74,586Average loans

List of branches

  • 2 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05876Union Bank & Trust Company201 East Main Street, Livingston, TN 38570January 01, 1932Full Service Brick and Mortar
    1219616Rickman BranchHighway 42, Rickman, TN 38580December 28, 1966Full Service Brick and Mortar

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