Union Bank and Trust Company in Lincoln, Nebraska (NE), KS



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Union Bank and Trust Company
GeneralFDIC Certificate #: 13421
Status: Active
Federal Reserve ID: 450856
Bank Holding Company (Regulatory Top Holder): Farmers & Merchants Investment, Inc. (RSSDID: 1053580, Location: Lincoln, NE)
Date Established: Febuary 28, 1917
WWW: http://www.ubt.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 37 (Domestic: 36, Interstate: Yes)
OTS Docket #: 12558
FDIC's unique #: 8451
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: April 01, 2006
Last Structure Change Process Date: June 06, 2006
Last Data Update: June 06, 2006
Data Source Date: April 05, 2012
LocationAddress: 3643 South 48th Street, Lincoln, NE 68506
County: Lancaster
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Omaha
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Lincoln, NE (#4360)
Core Based Statistical Area (CBSA): Lincoln, NE (#30700)
CBSA Metro Statistical Area: Lincoln, NE (#30700)
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $2,481.6 mil
Equity capital: $249.5 mil
Deposits held in domestic offices: $2,115.9 mil
Return on assets (ROA): 1.08% ($26.8 mil)
Quarterly return on assets: 1.09% ($27.1 mil)
Return on Equity (ROE): 11.01% ($27.4 mil)
Quarterly return on equity: 10.87% ($27.1 mil)
Net income: $26.4 mil
Quarterly Net income: $6.7 mil
Pretax return on assets: 1.68% ($41,691.1 mil)
Quarterly Pretax return on assets: 1.67% ($41,442.9 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)654
Total assets$2,481,611
Cash and due from depository institutions$64,664
Interest-bearing balances$11,358
Securities$374,876
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$1,925,853
Loan loss allowance $30,036
Trading account assets$0
Bank premises and fixed assets$39,749
Other real estate owned$10,305
Goodwill and other intangibles$10,562
All other assets$55,602
Life insurance assets$2,481,611
Total liabilities and capital$2,232,160
Total liabilities$2,115,872
Total deposits$2,004,435
Interest-bearing deposits$2,115,872
Deposits held in domestic offices$97
% insured (estimated)18894.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$70,000
Other borrowed funds $0
Subordinated debt $27,394
All other liabilities $249,451
Total equity capital$249,451
Total bank equity capital$249,451
Perpetual preferred stock$300
Common stock$14,870
Surplus$43,859
Undivided profits $190,422
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $12,632
Income earned, not collected on loans $26,884
Earning assets $13,816
Long-term assets (5+ years) $15,383
Average Assets, year-to-date $2,312,087
Average Assets, quarterly $258,911
Volatile liabilities $2,440,505
Insider loans $2,468,313
FHLB advances $1,893,251
Loans and leases held for sale $2,462,130
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $242,755
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $316,673
Derivatives$7,936
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $102,211
Total interest expense $23,199
Net interest income $79,012
Provision for loan and lease losses $8,720
Total noninterest income $47,338
Fiduciary activities $26,649
Service charges on deposit accounts $8,371
Trading account gains & fees $0
Additional noninterest income $12,318
Total noninterest expense $84,590
Salaries and employee benefits $47,395
Premises and equipment expense $9,908
Additional noninterest expense $27,287
Pre-tax net operating income $33,040
Securities gains (losses) $8,003
Applicable income taxes $14,647
Income before extraordinary items $26,396
Extraordinary gains - net $0
Net income attributable to bank $26,396
Net charge-offs $0
Cash dividends $26,396
Sale, conversion, retirement of capital stock, net $4,391
Net operating income $1,545
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.47%
Cost of funding earning assets 1.01%
Net interest margin 3.45%
Noninterest income to earning assets 2.07%
Noninterest expense to earning assets 3.70%
Net operating income to assets 0.87%
Return on assets (ROA) 1.08%
Pretax return on assets 1.68%
Return on equity (ROE) 11.01%
Retained earnings to average equity (YTD only) 10.37%
Net charge-offs to loans 0.23%
Credit loss provision to net charge-offs 198.59%
Efficiency ratio9.51%
Assets per employee$66,949
Cash dividends to net income (YTD only)3.79%
Condition Ratios (%)
Loss allowance to loans 5.85%
Loss allowance to noncurrent loans 1.54%
Noncurrent assets plus other real estate owned to assets 111.72%
Noncurrent loans to loans 1.50%
Net loans and leases to deposits1.37%
Net loans and leases to core deposits 91.02%
Equity capital to assets 115.59%
Core capital (leverage) ratio 10.05%
Tier 1 risk-based capital ratio 9.86%
Total risk-based capital ratio 12.82%
Memoranda
Average assets$14
Average earning assets$2,440,505
Average equity $239,720
Average loans $2,287,213
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$4,737,833
Number of Accounts1
Personal trust and agency accounts$2,836,292
Employee benefit-defined contribution accounts$503,129
Employee benefit-defined benefit accounts$167,055
Other retirement accounts$2,041
Corporate trust and agency accounts$112,671
Investment management agency accounts$130,700
Other fiduciary accounts$1,783,645
Fiduciary accounts held in foreign offices$137,051
Non-managed Assets$0
Number of Accounts5764
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$112,379
Employee benefit-defined benefit accounts$24,768
Other retirement accounts$1,901,541
Corporate trust and agency accounts$221,905
Other fiduciary accounts$784,800
Fiduciary accounts held in foreign offices$51,747
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Bank Assets Sold and Securitized (December 31, 2011)
(Dollar figures in thousands)
Principal balance with servicing or other recourse retained
1-4 family residential loans $0
Home equity lines$0
Credit cards receivables$0
Auto loans$21,516
Other consumer loans$0
Commercial and industrial loans$0
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3 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
548584Commercial State Bk. Of Bonner Sprin309 Oak Street, Bonner Springs, KS 66012January 01, 1918Full Service Brick and Mortar
57471107Parallel Parkway Branch10950 Parallel Parkway, Kansas City, KS 66109Febuary 04, 2008Full Service Retail
58478494Johnson County Branch11460 Tomahawk Creek Parkway, Leawood, KS 66211July 15, 2008Full Service Brick and Mortar
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34 Nebraska Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
08451Union Bank And Trust Company3643 South 48th Street, Lincoln, NE 68506Febuary 28, 1917Full Service Brick and Mortar
1229595Detached Teller's Facility2201 Highway 2, Lincoln, NE 68502Febuary 01, 1974Full Service Brick and Mortar
2229596Drive-In Facility4800 Normal Boulevard, Lincoln, NE 68506Febuary 14, 1975Full Service Brick and Mortar
3229597Depot Facility1944 O Street, Lincoln, NE 68508August 29, 1983Full Service Brick and Mortar
4229598Northeast Branch1300 North 48th Street, Lincoln, NE 68504November 15, 1983Full Service Brick and Mortar
68626Taylor Branch410 4th Street, Taylor, NE 68879June 10, 1905Full Service Brick and Mortar
98039Pawnee City Branch514 G Street, Pawnee City, NE 68420January 01, 1927Full Service Brick and Mortar
1016713Grand Island Branch2008 North Webb Road, Grand Island, NE 68801August 02, 1982Full Service Brick and Mortar
11274517David City Branch507 D Street, David City, NE 68632January 01, 1934Full Service Brick and Mortar
14279003Lincoln East Branch6801 O Street, Lincoln, NE 68510June 30, 1987Full Service Brick and Mortar
15278994Ainsworth Branch238 East 4th, Ainsworth, NE 69210January 01, 1892Full Service Brick and Mortar
16277800Wahoo Branch711 North Broadway, Wahoo, NE 68066January 01, 1886Full Service Brick and Mortar
17229600South 70th Street Branch2840 South 70th Street, Lincoln, NE 68506Febuary 03, 1992Full Service Retail
18229601Hy-Vee Grocery Branch6001 Village Drive, Lincoln, NE 68516October 18, 1993Full Service Retail
30277183Fairbury Branch1313 K Street, Fairbury, NE 68352January 01, 1900Full Service Brick and Mortar
31277185York Branch502 Grant Avenue, York, NE 68467January 01, 1900Full Service Brick and Mortar
33277187Seward Branch546 Jackson Street, Seward, NE 68434January 01, 1900Full Service Brick and Mortar
34277188Crete Branch1100 Main Avenue, Crete, NE 68333January 01, 1900Full Service Brick and Mortar
35277194Valentine Branch230 South Hall And U.S. 20, Valentine, NE 69201January 01, 1900Full Service Brick and Mortar
36229612Auburn Branch919 Central Avenue, Auburn, NE 68305September 03, 1996Full Service Brick and Mortar
37229613South 13th Street Branch121 South 13th Street, Lincoln, NE 68508December 02, 1996Full Service Brick and Mortar
38229614Lincoln Branch6801 South 27th Street, Lincoln, NE 68512July 27, 1998Full Service Brick and Mortar
40229615Luncoln Branch3705 South 48th Street, Lincoln, NE 68501November 02, 1998Full Service Brick and Mortar
41229616Lincoln Branch4732 Calvert Street, Lincoln, NE 68501June 01, 1999Full Service Brick and Mortar
44358680Mobile Branch3643 South 48th Street, Lincoln, NE 68506June 01, 1999Limited Service Mobile
47366105Omaha Mobile Branch2720 South 177th Street, Omaha, NE 68130Febuary 01, 2003Limited Service Mobile
483661065006 North 27th Street Branch5006 North 27th Street, Lincoln, NE 68505January 21, 2003Full Service Brick and Mortar
4943010570th & Pioneers Branch4243 Pioneer Woods Dr, Lincoln, NE 68516December 12, 2003Full Service Brick and Mortar
50439703Omaha Branch2720 South 177th Street, Omaha, NE 68130March 28, 2005Full Service Brick and Mortar
514406866811 South 27th Street Branch6811 South 27th Street, Lincoln, NE 68516May 20, 2002Full Service Brick and Mortar
524454768401 Lexington Avenue Branch8401 Lexington Avenue, Lincoln, NE 68521October 11, 2005Full Service Brick and Mortar
53450807Union Bank And Trust Company1550 South Coddington, Lincoln, NE 68522April 24, 2006Full Service Brick and Mortar
56469458South 84th Street Branch8501 Andermatt Drive, Lincoln, NE 68526December 03, 2007Full Service Brick and Mortar
59528460Union Bank & Trust Company1300 Q Street, Lincoln, NE 68508Febuary 01, 2012Full Service Brick and Mortar
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