United Bank, S.B. in Springfield, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1995

United Bank, S.B. in Springfield, Illinois (IL)
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United Bank, S.B. - Overview

General
FDIC Certificate #: 28595
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Security Bank, s.b. (#27723)
Federal Reserve ID: 610379
Date Established: January 01, 1874
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 1 (Interstate: No)
OTS Docket #: 1916
FDIC's unique #: 41429
Numeric code: 42
Regulator: FDIC
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: Yes
Date of Deposit Insurance: March 21, 1938
Last Structure Change Effective Date: July 01, 1995
Last Structure Change Process Date: July 17, 1995
Last Data Update: July 17, 1995
Data Source Date: April 05, 2012
Location
Address: 300 South Grand Avenue West, Springfield, IL 62704
County: Sangamon
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Springfield Il
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Springfield, IL (#7880)
Core Based Statistical Area (CBSA): Springfield, IL (#44100)
CBSA Metro Statistical Area: Springfield, IL (#44100)
Financial Summary
Total assets: $41.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$12Total assets
$38,664Cash and due from depository institutions
$627Interest-bearing balances
$573Securities
$3,089Federal funds sold & reverse repurchase agreements
$200Net loans & leases
$34,234Loan loss allowance
$58Trading account assets
$0Bank premises and fixed assets
$306Other real estate owned
$0Goodwill and other intangibles
$208Life insurance assets
$0All other assets
$0Total liabilities and capital
$38,664Total liabilities
$34,918Total deposits
$33,174Interest-bearing deposits
$32,412Deposits held in domestic offices
33174.00%% insured (estimated)
$100Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,673Subordinated debt
$0All other liabilities
$71Total equity capital
$71Total bank equity capital
$3,746Perpetual preferred stock
$0Common stock
$0Surplus
$0Undivided profits
Memoranda
$3,746Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$148Income earned, not collected on loans
$165Earning assets
$38,096Long-term assets (5+ years)
$4,189Average Assets, year-to-date
$37,402Average Assets, quarterly
$37,884Volatile liabilities
$2,181Insider loans
$159FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$859Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,746Total risk weighted assets
$18,799Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$2,364Total interest expense
$1,299Net interest income
$1,065Provision for loan and lease losses
$24Total noninterest income
$46Fiduciary activities
$0Service charges on deposit accounts
$9Trading account gains & fees
$0Additional noninterest income
$37Total noninterest expense
$698Salaries and employee benefits
$409Premises and equipment expense
$34Additional noninterest expense
$255Pre-tax net operating income
$389Securities gains (losses)
$0Applicable income taxes
$129Income before extraordinary items
$260Extraordinary gains - net
$0Net income attributable to bank
$260Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.43%Cost of funding earning assets
3.53%Net interest margin
2.90%Noninterest income to earning assets
0.13%Noninterest expense to earning assets
1.90%Net operating income to assets
0.70%Return on assets (ROA)
0.70%Pretax return on assets
1.04%Return on equity (ROE)
7.19%Retained earnings to average equity (YTD only)
7.19%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
62,826Assets per employee
3.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.17%Loss allowance to noncurrent loans
39.19%Noncurrent assets plus other real estate owned to assets
0.38%Noncurrent loans to loans
0.43%Net loans and leases to deposits
103.20%Net loans and leases to core deposits
104.80%Equity capital to assets
9.69%Core capital (leverage) ratio
9.84%Tier 1 risk-based capital ratio
19.93%Total risk-based capital ratio
Memoranda
$20Average assets
$37,402Average earning assets
$3,618Average equity
$36,762Average loans

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