Union Bank and Trust Company in Pottsville, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Union Bank and Trust Company - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 55Total employees (full-time equivalent)
  • $111,488Total assets
  • $7,928Cash and due from depository institutions
  • $291Interest-bearing balances
  • $27,851Securities
  • $1,509Federal funds sold & reverse repurchase agreements
  • $67,990Net loans & leases
  • $1,095Loan loss allowance
  • $0Trading account assets
  • $1,144Bank premises and fixed assets
  • $388Other real estate owned
  • $9Goodwill and other intangibles
  • $111,488Life insurance assets
  • $4,669All other assets
  • $101,587Total liabilities and capital
  • $100,888Total liabilities
  • $73,112Total deposits
  • $100,888Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $699Subordinated debt
  • $9,901All other liabilities
  • $9,901Total equity capital
  • $9,901Total bank equity capital
  • $0Perpetual preferred stock
  • $285Common stock
  • $1,400Surplus
  • $8,216Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,149Income earned, not collected on loans
  • $0Earning assets
  • $442Long-term assets (5+ years)
  • $97,641Average Assets, year-to-date
  • $62,941Average Assets, quarterly
  • $118,612Volatile liabilities
  • $113,807Insider loans
  • $88,436FHLB advances
  • $114,090Loans and leases held for sale
  • $1,821Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,333Tier 2 risk-based capital
  • $1,821Total risk weighted assets
  • $0Total unused commitments
  • $9,272Restructured Loans and leases
  • $2,942Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,933Total interest income
  • $418Total interest expense
  • $4,515Net interest income
  • $750Provision for loan and lease losses
  • $886Total noninterest income
  • $271Fiduciary activities
  • $279Service charges on deposit accounts
  • $0Trading account gains & fees
  • $336Additional noninterest income
  • $5,239Total noninterest expense
  • $2,533Salaries and employee benefits
  • $1,112Premises and equipment expense
  • $1,594Additional noninterest expense
  • -$588Pre-tax net operating income
  • $253Securities gains (losses)
  • $572Applicable income taxes
  • -$907Income before extraordinary items
  • $0Extraordinary gains - net
  • -$907Net income attributable to bank
  • $0Net charge-offs
  • -$907Cash dividends
  • $770Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.71%Yield on earning assets
  • 0.40%Cost of funding earning assets
  • 4.31%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 5.00%Noninterest expense to earning assets
  • -0.98%Net operating income to assets
  • -0.76%Return on assets (ROA)
  • -0.28%Pretax return on assets
  • -8.69%Return on equity (ROE)
  • -8.69%Retained earnings to average equity (YTD only)
  • 1.07%Net charge-offs to loans
  • 97.40%Credit loss provision to net charge-offs
  • 0.21%Efficiency ratio
  • 95,112Assets per employee
  • 2.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.59%Loss allowance to noncurrent loans
  • 95.30%Noncurrent assets plus other real estate owned to assets
  • 1.38%Noncurrent loans to loans
  • 1.66%Net loans and leases to deposits
  • 67.39%Net loans and leases to core deposits
  • 68.31%Equity capital to assets
  • 8.88%Core capital (leverage) ratio
  • 8.18%Tier 1 risk-based capital ratio
  • 10.55%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $118,612Average earning assets
  • $10,437Average equity
  • $104,840Average 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
  • $38,416Managed Assets
  • 1Number of Accounts
  • $37,268Personal trust and agency accounts
  • $9,436Employee benefit-defined contribution accounts
  • $1,156Employee benefit-defined benefit accounts
  • $3,615Other retirement accounts
  • $3,645Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $19,416Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 114Number of Accounts
  • $0Personal trust and agency accounts
  • $3,644Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,148Other retirement accounts
  • $25Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,123Fiduciary accounts held in foreign offices

List of branches

  • 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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