Union Bank of Blair in Blair, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


Union Bank of Blair - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    08489Union Bank Of Blair123 Urberg Street, Blair, WI 54616October 07, 1899Full Service Brick and Mortar

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