Unison Bank in Jamestown, North Dakota (ND), AZ
| Unison Bank | |
|---|---|
| General | FDIC Certificate #: 19396 Status: Active Federal Reserve ID: 676151 Bank Holding Company (Regulatory Top Holder): Mcintosh County Bank Holding Company, Inc. (RSSDID: 1143678, Location: Ashley, ND) Date Established: March 15, 1965 WWW: http://www.unisonbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Domestic: 3, Interstate: Yes) OTS Docket #: 11313 FDIC's unique #: 13201 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: March 15, 1965 Last Structure Change Effective Date: Febuary 19, 2009 Last Structure Change Process Date: Febuary 20, 2009 Last Data Update: Febuary 20, 2009 Data Source Date: April 05, 2012 |
| Location | Address: 401 First Avenue South, Jamestown, ND 58401 County: Stutsman Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Fargo Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Jamestown, ND (#27420) CBSA Micro Statistical Area: Yes |
| History of Changes | Office Purchased |
| Financial Summary | Total assets: $209.9 mil Equity capital: $23.0 mil Deposits held in domestic offices: $156.0 mil Return on assets (ROA): -0.39% (-$0.8 mil) Quarterly return on assets: 0.98% ($2.1 mil) Return on Equity (ROE): -3.72% (-$0.9 mil) Quarterly return on equity: 8.93% ($2.1 mil) Net income: -$0.8 mil Quarterly Net income: $0.5 mil Pretax return on assets: -0.80% (-$1,679.0 mil) Quarterly Pretax return on assets: 1.24% ($2,602.4 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 49 |
| Total assets | $209,870 |
| Cash and due from depository institutions | $6,180 |
| Interest-bearing balances | $12 |
| Securities | $57,628 |
| Federal funds sold & reverse repurchase agreements | $2,500 |
| Net loans & leases | $127,306 |
| Loan loss allowance | $4,341 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,671 |
| Other real estate owned | $2,399 |
| Goodwill and other intangibles | $3,545 |
| All other assets | $7,641 |
| Life insurance assets | $209,870 |
| Total liabilities and capital | $186,874 |
| Total liabilities | $156,026 |
| Total deposits | $115,579 |
| Interest-bearing deposits | $156,026 |
| Deposits held in domestic offices | $87 |
| % insured (estimated) | 7702.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $22,500 |
| Other borrowed funds | $0 |
| Subordinated debt | $646 |
| All other liabilities | $22,996 |
| Total equity capital | $22,996 |
| Total bank equity capital | $22,996 |
| Perpetual preferred stock | $0 |
| Common stock | $600 |
| Surplus | $19,606 |
| Undivided profits | $2,790 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $4,051 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $1,249 |
| Average Assets, year-to-date | $187,446 |
| Average Assets, quarterly | $84,666 |
| Volatile liabilities | $213,474 |
| Insider loans | $207,717 |
| FHLB advances | $139,455 |
| Loans and leases held for sale | $204,444 |
| Unused loan commitments | $2,996 |
| Tier 1 (core) risk-based capital | $2,996 |
| Tier 2 risk-based capital | $17,959 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $24,207 |
| Derivatives | $396 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $9,645 |
| Total interest expense | $2,132 |
| Net interest income | $7,513 |
| Provision for loan and lease losses | $5,396 |
| Total noninterest income | $830 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $284 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $546 |
| Total noninterest expense | $5,376 |
| Salaries and employee benefits | $2,967 |
| Premises and equipment expense | $849 |
| Additional noninterest expense | $1,560 |
| Pre-tax net operating income | -$2,429 |
| Securities gains (losses) | $727 |
| Applicable income taxes | -$867 |
| Income before extraordinary items | -$835 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | -$835 |
| Net charge-offs | $0 |
| Cash dividends | -$835 |
| Sale, conversion, retirement of capital stock, net | $4,412 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.05% |
| Cost of funding earning assets | 1.12% |
| Net interest margin | 3.93% |
| Noninterest income to earning assets | 0.43% |
| Noninterest expense to earning assets | 2.81% |
| Net operating income to assets | -0.61% |
| Return on assets (ROA) | -0.39% |
| Pretax return on assets | -0.80% |
| Return on equity (ROE) | -3.72% |
| Retained earnings to average equity (YTD only) | -3.72% |
| Net charge-offs to loans | 3.45% |
| Credit loss provision to net charge-offs | 122.30% |
| Efficiency ratio | 0.67% |
| Assets per employee | $61,980 |
| Cash dividends to net income (YTD only) | 4.28% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 3.30% |
| Noncurrent assets plus other real estate owned to assets | 107.16% |
| Noncurrent loans to loans | 3.07% |
| Net loans and leases to deposits | 3.08% |
| Net loans and leases to core deposits | 81.59% |
| Equity capital to assets | 89.41% |
| Core capital (leverage) ratio | 10.96% |
| Tier 1 risk-based capital ratio | 8.78% |
| Total risk-based capital ratio | 12.88% |
| Memoranda | |
| Average assets | $14 |
| Average earning assets | $213,474 |
| Average equity | $22,472 |
| Average loans | $191,160 |
| 2 Arizona Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 3 | 362998 | Queen Creek Branch | 20713 East Ocotillo Road, Suite 101, Queen Creek, AZ 85142 | January 15, 2002 | Full Service Brick and Mortar |  |
| 4 | 510636 | Mesa Branch | 3740 East Southern Avenue, Suite 120, Mesa, AZ 85206 | September 08, 2009 | Full Service Brick and Mortar | |
| 1 North Dakota Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 13201 | Unison Bank | 401 First Avenue South, Jamestown, ND 58401 | March 15, 1965 | Full Service Brick and Mortar |  |
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