Union State Bank in city_name, state_name - Detailed Financial Reports, Location

Union State Bank in Carmel, Indiana (IN)
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Union State Bank - Overview

General
FDIC Certificate #: 5788
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: National City Bank of Indiana (#4347)
Federal Reserve ID: 329242
Date Established: January 01, 1923
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 8 (Interstate: No)
FDIC's unique #: 3949
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: Febuary 27, 1993
Last Structure Change Process Date: April 05, 1993
Last Data Update: April 05, 1993
Data Source Date: April 05, 2012
Location
Address: 21 Jefferson Square, Carmel, IN 46032
County: Hamilton
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Indianapolis
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Indianapolis, IN (#3480)
Combined Statistical Area (CSA): Indianapolis-Anderson-Columbus, IN (#294)
Core Based Statistical Area (CBSA): Indianapolis-Carmel, IN (#26900)
CBSA Metro Statistical Area: Indianapolis-Carmel, IN (#26900)
Financial Summary
Total assets: $188.2 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$90Total assets
$188,199Cash and due from depository institutions
$10,608Interest-bearing balances
$0Securities
$9,502Federal funds sold & reverse repurchase agreements
$21,000Net loans & leases
$139,892Loan loss allowance
$3,730Trading account assets
$0Bank premises and fixed assets
$1,935Other real estate owned
$2,564Goodwill and other intangibles
$2,698Life insurance assets
$0All other assets
$0Total liabilities and capital
$188,199Total liabilities
$173,650Total deposits
$172,014Interest-bearing deposits
$143,882Deposits held in domestic offices
172014.00%% insured (estimated)
$81Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,183Subordinated debt
$0All other liabilities
$453Total equity capital
$453Total bank equity capital
$14,549Perpetual preferred stock
$0Common stock
$1,350Surplus
$3,050Undivided profits
Memoranda
$10,149Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,944Income earned, not collected on loans
$961Earning assets
$170,394Long-term assets (5+ years)
$17,421Average Assets, year-to-date
$193,877Average Assets, quarterly
$188,024Volatile liabilities
$16,324Insider loans
$451FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$29,864Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$14,549Total risk weighted assets
$161,399Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$15,283Total interest expense
$6,361Net interest income
$8,922Provision for loan and lease losses
$3,370Total noninterest income
$1,140Fiduciary activities
$0Service charges on deposit accounts
$691Trading account gains & fees
$0Additional noninterest income
$449Total noninterest expense
$6,110Salaries and employee benefits
$3,097Premises and equipment expense
$944Additional noninterest expense
$2,069Pre-tax net operating income
$582Securities gains (losses)
-$32Applicable income taxes
$15Income before extraordinary items
$535Extraordinary gains - net
$0Net income attributable to bank
$535Net charge-offs
$2,213Cash dividends
$600Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.62%Cost of funding earning assets
3.59%Net interest margin
5.03%Noninterest income to earning assets
0.64%Noninterest expense to earning assets
3.45%Net operating income to assets
0.29%Return on assets (ROA)
0.28%Pretax return on assets
0.28%Return on equity (ROE)
3.91%Retained earnings to average equity (YTD only)
-0.48%Net charge-offs to loans
1.48%Credit loss provision to net charge-offs
152.28%Efficiency ratio
60,724Assets per employee
2.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
112.15%Loss allowance to loans
2.60%Loss allowance to noncurrent loans
126.70%Noncurrent assets plus other real estate owned to assets
2.93%Noncurrent loans to loans
2.05%Net loans and leases to deposits
81.33%Net loans and leases to core deposits
89.18%Equity capital to assets
7.73%Core capital (leverage) ratio
7.65%Tier 1 risk-based capital ratio
9.01%Total risk-based capital ratio
Memoranda
$10Average assets
$193,877Average earning assets
$13,670Average equity
$177,201Average loans

Union State Bank in Carmel, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Union State Bank - Overview

Assets and Liabilities (December 31, 1992)

Income and Expense (December 31, 1992)

Performance and Condition Ratios (December 31, 1992)

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Union State Bank in Carmel, Indiana (IN)Overview, Financial Summary, Detailed Financial Reports, Branches

Union State Bank - Overview

Assets and Liabilities (December 31, 1992)

Income and Expense (December 31, 1992)

Performance and Condition Ratios (December 31, 1992)

Comment about this bank, ask questions, or add new information about it:

Union State Bank in Carmel, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches