Union State Bank in Uniontown, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Union State Bank - Overview

  • General
  • FDIC Certificate #: 16788
    Status: Active
    Federal Reserve ID: 206950
    Bank Holding Company (Regulatory Top Holder): Union State Bancshares, Inc. (RSSDID: 1055838, Location: Uniontown, KS)
    Date Established: August 01, 1901
    WWW: http://www.unionstbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 12641
    FDIC's unique #: 10898
    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: April 22, 1949
    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: 204 Sherman St, Uniontown, KS 66779
    County: Bourbon
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $40.9 mil
    Equity capital: $3.4 mil
    Deposits held in domestic offices: $33.0 mil
    Return on assets (ROA): 0.84% ($0.3 mil)
    Quarterly return on assets: 0.48% ($0.2 mil)
    Return on Equity (ROE): 9.43% ($0.3 mil)
    Quarterly return on equity: 5.57% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.88% ($360.3 mil)
    Quarterly Pretax return on assets: 0.50% ($204.7 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
  • 16Total employees (full-time equivalent)
  • $40,944Total assets
  • $2,212Cash and due from depository institutions
  • $106Interest-bearing balances
  • $9,137Securities
  • $2,794Federal funds sold & reverse repurchase agreements
  • $24,994Net loans & leases
  • $359Loan loss allowance
  • $0Trading account assets
  • $338Bank premises and fixed assets
  • $5Other real estate owned
  • $0Goodwill and other intangibles
  • $40,945Life insurance assets
  • $1,464All other assets
  • $37,594Total liabilities and capital
  • $33,042Total liabilities
  • $27,565Total deposits
  • $33,042Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,294Trading liabilities
  • $0Other borrowed funds
  • $258Subordinated debt
  • $3,351All other liabilities
  • $3,351Total equity capital
  • $3,351Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $520Surplus
  • $2,681Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $423Income earned, not collected on loans
  • $0Earning assets
  • $291Long-term assets (5+ years)
  • $37,031Average Assets, year-to-date
  • $7,117Average Assets, quarterly
  • $36,891Volatile liabilities
  • $39,013Insider loans
  • $28,587FHLB advances
  • $39,538Loans and leases held for sale
  • $674Unused loan commitments
  • $674Tier 1 (core) risk-based capital
  • $3,071Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,486Restructured Loans and leases
  • $301Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,828Total interest income
  • $365Total interest expense
  • $1,463Net interest income
  • $15Provision for loan and lease losses
  • $450Total noninterest income
  • $0Fiduciary activities
  • $299Service charges on deposit accounts
  • $0Trading account gains & fees
  • $151Additional noninterest income
  • $1,576Total noninterest expense
  • $962Salaries and employee benefits
  • $132Premises and equipment expense
  • $482Additional noninterest expense
  • $322Pre-tax net operating income
  • $4Securities gains (losses)
  • $17Applicable income taxes
  • $309Income before extraordinary items
  • $0Extraordinary gains - net
  • $309Net income attributable to bank
  • $0Net charge-offs
  • $309Cash dividends
  • $28Sale, conversion, retirement of capital stock, net
  • $210Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.60%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 4.48%Net interest margin
  • 1.38%Noninterest income to earning assets
  • 4.82%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 0.88%Pretax return on assets
  • 9.43%Return on equity (ROE)
  • 3.02%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 53.57%Credit loss provision to net charge-offs
  • 12.04%Efficiency ratio
  • 82,384Assets per employee
  • 2.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.96%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 84.87%Noncurrent assets plus other real estate owned to assets
  • 1.05%Noncurrent loans to loans
  • 1.67%Net loans and leases to deposits
  • 75.64%Net loans and leases to core deposits
  • 88.76%Equity capital to assets
  • 8.18%Core capital (leverage) ratio
  • 7.77%Tier 1 risk-based capital ratio
  • 10.74%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $36,891Average earning assets
  • $3,276Average equity
  • $32,663Average loans

List of branches

  • 2 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010898Union State Bank204 Sherman St, Uniontown, KS 66779August 01, 1901Full Service Brick and Mortar
    1238818Fort Scott Branch1009 South Clark Street, Fort Scott, KS 66701Febuary 13, 1991Full Service Brick and Mortar

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