Union National Bank & Trust Company in Sparta, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

Union National Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 5325
    Status: Active
    Federal Reserve ID: 68448
    Bank Holding Company (Regulatory Top Holder): Sparta Union Bancshares, Inc. (RSSDID: 2463711, Location: Sparta, WI)
    Date Established: January 01, 1934
    WWW: http://www.unbsparta.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 3590
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending 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: 124 West Oak Street, Sparta, WI 54656
    County: Monroe
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    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: $99.8 mil
    Equity capital: $15.8 mil
    Deposits held in domestic offices: $83.5 mil
    Return on assets (ROA): 1.27% ($1.3 mil)
    Quarterly return on assets: 1.29% ($1.3 mil)
    Return on Equity (ROE): 7.96% ($1.3 mil)
    Quarterly return on equity: 7.98% ($1.3 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.72% ($1,715.9 mil)
    Quarterly Pretax return on assets: 1.90% ($1,895.4 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
  • 21Total employees (full-time equivalent)
  • $99,759Total assets
  • $8,440Cash and due from depository institutions
  • $4,629Interest-bearing balances
  • $28,200Securities
  • $778Federal funds sold & reverse repurchase agreements
  • $60,030Net loans & leases
  • $401Loan loss allowance
  • $0Trading account assets
  • $1,554Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $99,759Life insurance assets
  • $757All other assets
  • $83,943Total liabilities and capital
  • $83,493Total liabilities
  • $69,425Total deposits
  • $83,493Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $450Subordinated debt
  • $15,816All other liabilities
  • $15,816Total equity capital
  • $15,816Total bank equity capital
  • $0Perpetual preferred stock
  • $410Common stock
  • $2,000Surplus
  • $13,406Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $899Income earned, not collected on loans
  • $0Earning assets
  • $438Long-term assets (5+ years)
  • $93,637Average Assets, year-to-date
  • $20,768Average Assets, quarterly
  • $94,459Volatile liabilities
  • $97,395Insider loans
  • $70,743FHLB advances
  • $94,671Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,855Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,776Restructured Loans and leases
  • $772Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,343Total interest income
  • $761Total interest expense
  • $3,582Net interest income
  • $150Provision for loan and lease losses
  • $496Total noninterest income
  • $0Fiduciary activities
  • $233Service charges on deposit accounts
  • $0Trading account gains & fees
  • $263Additional noninterest income
  • $2,303Total noninterest expense
  • $1,256Salaries and employee benefits
  • $326Premises and equipment expense
  • $721Additional noninterest expense
  • $1,625Pre-tax net operating income
  • $0Securities gains (losses)
  • $422Applicable income taxes
  • $1,203Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,203Net income attributable to bank
  • $0Net charge-offs
  • $1,203Cash dividends
  • $82Sale, conversion, retirement of capital stock, net
  • $250Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 4.14%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 2.66%Noninterest expense to earning assets
  • 1.27%Net operating income to assets
  • 1.27%Return on assets (ROA)
  • 1.72%Pretax return on assets
  • 7.96%Return on equity (ROE)
  • 6.31%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 182.93%Credit loss provision to net charge-offs
  • 21.65%Efficiency ratio
  • 56,474Assets per employee
  • 4.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.78%Loss allowance to loans
  • 0.66%Loss allowance to noncurrent loans
  • 44.61%Noncurrent assets plus other real estate owned to assets
  • 0.90%Noncurrent loans to loans
  • 1.49%Net loans and leases to deposits
  • 71.90%Net loans and leases to core deposits
  • 80.52%Equity capital to assets
  • 15.85%Core capital (leverage) ratio
  • 15.69%Tier 1 risk-based capital ratio
  • 21.00%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $94,459Average earning assets
  • $15,107Average equity
  • $86,611Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03590Union National Bank & Trust Company124 West Oak Street, Sparta, WI 54656January 01, 1934Full Service Brick and Mortar
    2207563Auto Branch1103 West Wisconsin Street, Sparta, WI 54656June 19, 1995Limited Service Facility

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