Union Bank and Trust Company in Lincoln, Nebraska (NE), KS
Overview, Financial Summary, Detailed Financial Reports, Branches


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

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 654Total employees (full-time equivalent)
  • $2,481,611Total assets
  • $64,664Cash and due from depository institutions
  • $11,358Interest-bearing balances
  • $374,876Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,925,853Net loans & leases
  • $30,036Loan loss allowance
  • $0Trading account assets
  • $39,749Bank premises and fixed assets
  • $10,305Other real estate owned
  • $10,562Goodwill and other intangibles
  • $2,481,611Life insurance assets
  • $55,602All other assets
  • $2,232,160Total liabilities and capital
  • $2,115,872Total liabilities
  • $2,004,435Total deposits
  • $2,115,872Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 18894.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $70,000Trading liabilities
  • $0Other borrowed funds
  • $27,394Subordinated debt
  • $249,451All other liabilities
  • $249,451Total equity capital
  • $249,451Total bank equity capital
  • $300Perpetual preferred stock
  • $14,870Common stock
  • $43,859Surplus
  • $190,422Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $12,632Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $26,884Income earned, not collected on loans
  • $13,816Earning assets
  • $15,383Long-term assets (5+ years)
  • $2,312,087Average Assets, year-to-date
  • $258,911Average Assets, quarterly
  • $2,440,505Volatile liabilities
  • $2,468,313Insider loans
  • $1,893,251FHLB advances
  • $2,462,130Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $242,755Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $316,673Restructured Loans and leases
  • $7,936Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $102,211Total interest income
  • $23,199Total interest expense
  • $79,012Net interest income
  • $8,720Provision for loan and lease losses
  • $47,338Total noninterest income
  • $26,649Fiduciary activities
  • $8,371Service charges on deposit accounts
  • $0Trading account gains & fees
  • $12,318Additional noninterest income
  • $84,590Total noninterest expense
  • $47,395Salaries and employee benefits
  • $9,908Premises and equipment expense
  • $27,287Additional noninterest expense
  • $33,040Pre-tax net operating income
  • $8,003Securities gains (losses)
  • $14,647Applicable income taxes
  • $26,396Income before extraordinary items
  • $0Extraordinary gains - net
  • $26,396Net income attributable to bank
  • $0Net charge-offs
  • $26,396Cash dividends
  • $4,391Sale, conversion, retirement of capital stock, net
  • $1,545Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.47%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 3.45%Net interest margin
  • 2.07%Noninterest income to earning assets
  • 3.70%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.68%Pretax return on assets
  • 11.01%Return on equity (ROE)
  • 10.37%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 198.59%Credit loss provision to net charge-offs
  • 9.51%Efficiency ratio
  • 66,949Assets per employee
  • 3.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 5.85%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 111.72%Noncurrent assets plus other real estate owned to assets
  • 1.50%Noncurrent loans to loans
  • 1.37%Net loans and leases to deposits
  • 91.02%Net loans and leases to core deposits
  • 115.59%Equity capital to assets
  • 10.05%Core capital (leverage) ratio
  • 9.86%Tier 1 risk-based capital ratio
  • 12.82%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $2,440,505Average earning assets
  • $239,720Average equity
  • $2,287,213Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $4,737,833Managed Assets
  • 1Number of Accounts
  • $2,836,292Personal trust and agency accounts
  • $503,129Employee benefit-defined contribution accounts
  • $167,055Employee benefit-defined benefit accounts
  • $2,041Other retirement accounts
  • $112,671Corporate trust and agency accounts
  • $130,700Investment management agency accounts
  • $1,783,645Other fiduciary accounts
  • $137,051Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 5764Number of Accounts
  • $0Personal trust and agency accounts
  • $112,379Employee benefit-defined contribution accounts
  • $24,768Employee benefit-defined benefit accounts
  • $1,901,541Other retirement accounts
  • $221,905Corporate trust and agency accounts
  • $784,800Other fiduciary accounts
  • $51,747Fiduciary accounts held in foreign offices

Bank Assets Sold and Securitized (December 31, 2011)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $01-4 family residential loans
  • $0Home equity lines
  • $0Credit cards receivables
  • $21,516Auto loans
  • $0Other consumer loans
  • $0Commercial and industrial loans

List of branches

  • 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
  • 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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