Union Bank & Trust Company in Livingston, Tennessee (TN)

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Union Bank & Trust Company
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)18
Total assets$77,381
Cash and due from depository institutions$2,518
Interest-bearing balances$93
Federal funds sold & reverse repurchase agreements$700
Net loans & leases$49,037
Loan loss allowance $724
Trading account assets$0
Bank premises and fixed assets$1,426
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,604
Life insurance assets$77,381
Total liabilities and capital$68,881
Total liabilities$68,557
Total deposits$55,474
Interest-bearing deposits$68,557
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $324
All other liabilities $8,500
Total equity capital$8,500
Total bank equity capital$8,500
Perpetual preferred stock$0
Common stock$155
Undivided profits $8,190
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,066
Earning assets $0
Long-term assets (5+ years) $445
Average Assets, year-to-date $71,926
Average Assets, quarterly $36,452
Volatile liabilities $80,503
Insider loans $78,891
FHLB advances $46,525
Loans and leases held for sale $77,970
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,934
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,593
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,452
Total interest expense $494
Net interest income $3,958
Provision for loan and lease losses $509
Total noninterest income $512
Fiduciary activities $0
Service charges on deposit accounts $341
Trading account gains & fees $0
Additional noninterest income $171
Total noninterest expense $2,261
Salaries and employee benefits $1,343
Premises and equipment expense $143
Additional noninterest expense $775
Pre-tax net operating income $1,700
Securities gains (losses) $261
Applicable income taxes $125
Income before extraordinary items $1,836
Extraordinary gains - net $0
Net income attributable to bank $1,836
Net charge-offs $0
Cash dividends $1,836
Sale, conversion, retirement of capital stock, net $456
Net operating income $1,200
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.97%
Cost of funding earning assets 0.66%
Net interest margin 5.31%
Noninterest income to earning assets 0.69%
Noninterest expense to earning assets 3.03%
Net operating income to assets 1.98%
Return on assets (ROA) 2.28%
Pretax return on assets 2.44%
Return on equity (ROE) 21.71%
Retained earnings to average equity (YTD only) 7.52%
Net charge-offs to loans 0.92%
Credit loss provision to net charge-offs 111.62%
Efficiency ratio4.84%
Assets per employee$50,582
Cash dividends to net income (YTD only)4.30%
Condition Ratios (%)
Loss allowance to loans 65.36%
Loss allowance to noncurrent loans 1.45%
Noncurrent assets plus other real estate owned to assets 67.92%
Noncurrent loans to loans 1.38%
Net loans and leases to deposits2.14%
Net loans and leases to core deposits 71.53%
Equity capital to assets 73.16%
Core capital (leverage) ratio 10.98%
Tier 1 risk-based capital ratio 10.18%
Total risk-based capital ratio 17.05%
Average assets$18
Average earning assets$80,503
Average equity $8,459
Average loans $74,586
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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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