Union Bank and Trust Company in Pottsville, Pennsylvania (PA)



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Union Bank and Trust Company
GeneralFDIC Certificate #: 9893
Status: Active
Federal Reserve ID: 850616
Bank Holding Company (Regulatory Top Holder): Union Bancorp, Inc. (RSSDID: 1143409, Location: Pottsville, PA)
Date Established: January 01, 1896
WWW: http://www.unionbankandtrustcompany.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 11508
FDIC's unique #: 6329
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: Febuary 28, 2011
Last Structure Change Process Date: March 14, 2011
Last Data Update: March 14, 2011
Data Source Date: April 05, 2012
LocationAddress: 25 South Centre Street, Pottsville, PA 17901
County: Schuylkill
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Harrisburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Core Based Statistical Area (CBSA): Pottsville, PA (#39060)
CBSA Micro Statistical Area: Yes
Financial SummaryTotal assets: $111.5 mil
Equity capital: $9.9 mil
Deposits held in domestic offices: $100.9 mil
Return on assets (ROA): -0.76% (-$0.8 mil)
Quarterly return on assets: -2.83% (-$3.1 mil)
Return on Equity (ROE): -8.69% (-$0.9 mil)
Quarterly return on equity: -31.07% (-$3.1 mil)
Net income: -$0.9 mil
Quarterly Net income: -$0.8 mil
Pretax return on assets: -0.28% (-$312.2 mil)
Quarterly Pretax return on assets: -0.70% (-$780.4 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)55
Total assets$111,488
Cash and due from depository institutions$7,928
Interest-bearing balances$291
Securities$27,851
Federal funds sold & reverse repurchase agreements$1,509
Net loans & leases$67,990
Loan loss allowance $1,095
Trading account assets$0
Bank premises and fixed assets$1,144
Other real estate owned$388
Goodwill and other intangibles$9
All other assets$4,669
Life insurance assets$111,488
Total liabilities and capital$101,587
Total liabilities$100,888
Total deposits$73,112
Interest-bearing deposits$100,888
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $699
All other liabilities $9,901
Total equity capital$9,901
Total bank equity capital$9,901
Perpetual preferred stock$0
Common stock$285
Surplus$1,400
Undivided profits $8,216
Memoranda
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 $1,149
Earning assets $0
Long-term assets (5+ years) $442
Average Assets, year-to-date $97,641
Average Assets, quarterly $62,941
Volatile liabilities $118,612
Insider loans $113,807
FHLB advances $88,436
Loans and leases held for sale $114,090
Unused loan commitments $1,821
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $9,333
Total risk weighted assets $1,821
Total unused commitments $0
Restructured Loans and leases $9,272
Derivatives$2,942
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,933
Total interest expense $418
Net interest income $4,515
Provision for loan and lease losses $750
Total noninterest income $886
Fiduciary activities $271
Service charges on deposit accounts $279
Trading account gains & fees $0
Additional noninterest income $336
Total noninterest expense $5,239
Salaries and employee benefits $2,533
Premises and equipment expense $1,112
Additional noninterest expense $1,594
Pre-tax net operating income -$588
Securities gains (losses) $253
Applicable income taxes $572
Income before extraordinary items -$907
Extraordinary gains - net $0
Net income attributable to bank -$907
Net charge-offs $0
Cash dividends -$907
Sale, conversion, retirement of capital stock, net $770
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.71%
Cost of funding earning assets 0.40%
Net interest margin 4.31%
Noninterest income to earning assets 0.85%
Noninterest expense to earning assets 5.00%
Net operating income to assets -0.98%
Return on assets (ROA) -0.76%
Pretax return on assets -0.28%
Return on equity (ROE) -8.69%
Retained earnings to average equity (YTD only) -8.69%
Net charge-offs to loans 1.07%
Credit loss provision to net charge-offs 97.40%
Efficiency ratio0.21%
Assets per employee$95,112
Cash dividends to net income (YTD only)2.03%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.59%
Noncurrent assets plus other real estate owned to assets 95.30%
Noncurrent loans to loans 1.38%
Net loans and leases to deposits1.66%
Net loans and leases to core deposits 67.39%
Equity capital to assets 68.31%
Core capital (leverage) ratio 8.88%
Tier 1 risk-based capital ratio 8.18%
Total risk-based capital ratio 10.55%
Memoranda
Average assets$12
Average earning assets$118,612
Average equity $10,437
Average loans $104,840
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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$38,416
Number of Accounts1
Personal trust and agency accounts$37,268
Employee benefit-defined contribution accounts$9,436
Employee benefit-defined benefit accounts$1,156
Other retirement accounts$3,615
Corporate trust and agency accounts$3,645
Investment management agency accounts$0
Other fiduciary accounts$19,416
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts114
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$3,644
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,148
Corporate trust and agency accounts$25
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$1,123
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7 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06329Union Bank And Trust Company25 South Centre Street, Pottsville, PA 17901January 01, 1896Full Service Brick and Mortar
1221484New Philadelphia Branch82-84 Valley Street, New Philadelphia, PA 17959November 23, 1964Full Service Brick and Mortar
2221485West Market Street BranchWest Market And 22nd Streets, Pottsville, PA 17901August 28, 1959Full Service Brick and Mortar
3221486Boulevard BranchPottsville Park Plaza, Pottsville, PA 17901January 23, 1963Full Service Brick and Mortar
4221487Orwigsburg BranchRoute 61, Orwigsburg, PA 17961October 24, 1995Full Service Brick and Mortar
6216391Trevorton Branch450 West Shamokin Street, Trevorton, PA 17881June 02, 1958Full Service Brick and Mortar
8221489Losch Plaza Office121 North Progress Avenue, Pottsville, PA 17901April 26, 1993Limited Service Facility
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