Unison Bank in Jamestown, North Dakota (ND), AZ
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Unison Bank in Jamestown, North Dakota (ND), AZ
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Unison Bank routing number info

Unison Bank - Overview

  • 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)

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
  • 49Total employees (full-time equivalent)
  • $209,870Total assets
  • $6,180Cash and due from depository institutions
  • $12Interest-bearing balances
  • $57,628Securities
  • $2,500Federal funds sold & reverse repurchase agreements
  • $127,306Net loans & leases
  • $4,341Loan loss allowance
  • $0Trading account assets
  • $2,671Bank premises and fixed assets
  • $2,399Other real estate owned
  • $3,545Goodwill and other intangibles
  • $209,870Life insurance assets
  • $7,641All other assets
  • $186,874Total liabilities and capital
  • $156,026Total liabilities
  • $115,579Total deposits
  • $156,026Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 7702.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $22,500Trading liabilities
  • $0Other borrowed funds
  • $646Subordinated debt
  • $22,996All other liabilities
  • $22,996Total equity capital
  • $22,996Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $19,606Surplus
  • $2,790Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,051Income earned, not collected on loans
  • $0Earning assets
  • $1,249Long-term assets (5+ years)
  • $187,446Average Assets, year-to-date
  • $84,666Average Assets, quarterly
  • $213,474Volatile liabilities
  • $207,717Insider loans
  • $139,455FHLB advances
  • $204,444Loans and leases held for sale
  • $2,996Unused loan commitments
  • $2,996Tier 1 (core) risk-based capital
  • $17,959Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,207Restructured Loans and leases
  • $396Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,645Total interest income
  • $2,132Total interest expense
  • $7,513Net interest income
  • $5,396Provision for loan and lease losses
  • $830Total noninterest income
  • $0Fiduciary activities
  • $284Service charges on deposit accounts
  • $0Trading account gains & fees
  • $546Additional noninterest income
  • $5,376Total noninterest expense
  • $2,967Salaries and employee benefits
  • $849Premises and equipment expense
  • $1,560Additional noninterest expense
  • -$2,429Pre-tax net operating income
  • $727Securities gains (losses)
  • -$867Applicable income taxes
  • -$835Income before extraordinary items
  • $0Extraordinary gains - net
  • -$835Net income attributable to bank
  • $0Net charge-offs
  • -$835Cash dividends
  • $4,412Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 3.93%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.81%Noninterest expense to earning assets
  • -0.61%Net operating income to assets
  • -0.39%Return on assets (ROA)
  • -0.80%Pretax return on assets
  • -3.72%Return on equity (ROE)
  • -3.72%Retained earnings to average equity (YTD only)
  • 3.45%Net charge-offs to loans
  • 122.30%Credit loss provision to net charge-offs
  • 0.67%Efficiency ratio
  • 61,980Assets per employee
  • 4.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.30%Loss allowance to noncurrent loans
  • 107.16%Noncurrent assets plus other real estate owned to assets
  • 3.07%Noncurrent loans to loans
  • 3.08%Net loans and leases to deposits
  • 81.59%Net loans and leases to core deposits
  • 89.41%Equity capital to assets
  • 10.96%Core capital (leverage) ratio
  • 8.78%Tier 1 risk-based capital ratio
  • 12.88%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $213,474Average earning assets
  • $22,472Average equity
  • $191,160Average loans

List of branches

  • 2 Arizona Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    3362998Queen Creek Branch20713 East Ocotillo Road, Suite 101, Queen Creek, AZ 85142January 15, 2002Full Service Brick and Mortar
    4510636Mesa Branch3740 East Southern Avenue, Suite 120, Mesa, AZ 85206September 08, 2009Full Service Brick and Mortar
  • 1 North Dakota Branch as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    013201Unison Bank401 First Avenue South, Jamestown, ND 58401March 15, 1965Full Service Brick and Mortar

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