FDIC Certificate #: 13580 Status: Active Federal Reserve ID: 506052 Bank Holding Company (Regulatory Top Holder): H. R. Financial, Inc. (RSSDID: 1123755, Location: Blair, WI) Date Established: October 07, 1899 WWW:http://www.ubblair.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 12812 FDIC's unique #: 8489 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 123 Urberg Street, Blair, WI 54616 County: Trempealeau Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Eau Claire Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $79.9 mil Equity capital: $7.8 mil Deposits held in domestic offices: $70.2 mil Return on assets (ROA): 2.02% ($1.6 mil) Quarterly return on assets: 1.98% ($1.6 mil) Return on Equity (ROE): 21.46% ($1.7 mil) Quarterly return on equity: 20.36% ($1.6 mil) Net income: $1.6 mil Quarterly Net income: $0.4 mil Pretax return on assets: 2.02% ($1,614.1 mil) Quarterly Pretax return on assets: 2.02% ($1,614.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$79,908Total assets
$1,724Cash and due from depository institutions
$528Interest-bearing balances
$4,390Securities
$3,649Federal funds sold & reverse repurchase agreements
$66,762Net loans & leases
$858Loan loss allowance
$0Trading account assets
$400Bank premises and fixed assets
$581Other real estate owned
$0Goodwill and other intangibles
$79,908Life insurance assets
$2,402All other assets
$72,092Total liabilities and capital
$70,177Total liabilities
$60,285Total deposits
$70,177Interest-bearing deposits
$95Deposits held in domestic offices
133.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,300Trading liabilities
$0Other borrowed funds
$482Subordinated debt
$7,816All other liabilities
$7,816Total equity capital
$7,816Total bank equity capital
$0Perpetual preferred stock
$120Common stock
$1,470Surplus
$6,226Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,067Income earned, not collected on loans
$0Earning assets
$272Long-term assets (5+ years)
$75,329Average Assets, year-to-date
$2,991Average Assets, quarterly
$77,588Volatile liabilities
$78,970Insider loans
$60,439FHLB advances
$78,026Loans and leases held for sale
$1,399Unused loan commitments
$1,399Tier 1 (core) risk-based capital
$7,612Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,822Restructured Loans and leases
$147Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,171Total interest income
$1,091Total interest expense
$3,080Net interest income
$270Provision for loan and lease losses
$553Total noninterest income
$0Fiduciary activities
$169Service charges on deposit accounts
$0Trading account gains & fees
$384Additional noninterest income
$1,793Total noninterest expense
$877Salaries and employee benefits
$96Premises and equipment expense
$820Additional noninterest expense
$1,570Pre-tax net operating income
$0Securities gains (losses)
$4Applicable income taxes
$1,566Income before extraordinary items
$0Extraordinary gains - net
$1,566Net income attributable to bank
$0Net charge-offs
$1,566Cash dividends
$195Sale, conversion, retirement of capital stock, net
$684Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.74%Yield on earning assets
1.50%Cost of funding earning assets
4.24%Net interest margin
0.76%Noninterest income to earning assets
2.47%Noninterest expense to earning assets
2.02%Net operating income to assets
2.02%Return on assets (ROA)
2.02%Pretax return on assets
21.46%Return on equity (ROE)
12.08%Retained earnings to average equity (YTD only)
0.31%Net charge-offs to loans
138.46%Credit loss provision to net charge-offs
9.44%Efficiency ratio
49,353Assets per employee
5.33%Cash dividends to net income (YTD only)
Condition Ratios (%)
43.68%Loss allowance to loans
1.27%Loss allowance to noncurrent loans
80.41%Noncurrent assets plus other real estate owned to assets
2.06%Noncurrent loans to loans
1.58%Net loans and leases to deposits
95.13%Net loans and leases to core deposits
107.77%Equity capital to assets
9.78%Core capital (leverage) ratio
9.76%Tier 1 risk-based capital ratio
12.59%Total risk-based capital ratio
Memoranda
$14Average assets
$77,588Average earning assets
$7,299Average equity
$72,721Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8489
Union Bank Of Blair
123 Urberg Street, Blair, WI 54616
October 07, 1899
Full Service Brick and Mortar
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