United Bank & Trust in Marysville, Kansas (KS)



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United Bank & Trust
GeneralFDIC Certificate #: 17477
Status: Active
Federal Reserve ID: 990352
Bank Holding Company (Regulatory Top Holder): Ubt Bancshares, Inc. (RSSDID: 3219577, Location: Marysville, KS)
Date Established: July 01, 1890
WWW: http://www.ubankonline.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 15 (Domestic: 15, Interstate: No)
OTS Docket #: 53283
FDIC's unique #: 11462
Numeric code: 13
Regulator: FED
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: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: July 28, 1955
Last Structure Change Effective Date: May 10, 2008
Last Structure Change Process Date: September 28, 2010
Last Data Update: September 28, 2010
Data Source Date: April 05, 2012
LocationAddress: 823 Broadway, Marysville, KS 66508
County: Marshall
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Kansas City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
History of ChangesOffice Purchased
Corrections
Financial SummaryTotal assets: $503.4 mil
Equity capital: $63.1 mil
Deposits held in domestic offices: $384.3 mil
Return on assets (ROA): 0.69% ($3.5 mil)
Quarterly return on assets: 0.78% ($3.9 mil)
Return on Equity (ROE): 5.82% ($3.7 mil)
Quarterly return on equity: 6.17% ($3.9 mil)
Net income: $3.4 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 1.04% ($5,235.0 mil)
Quarterly Pretax return on assets: 1.18% ($5,939.7 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)
Total employees (full-time equivalent)96
Total assets$503,365
Cash and due from depository institutions$12,935
Interest-bearing balances$2,235
Securities$121,662
Federal funds sold & reverse repurchase agreements$243
Net loans & leases$326,334
Loan loss allowance $5,151
Trading account assets$0
Bank premises and fixed assets$7,994
Other real estate owned$9,060
Goodwill and other intangibles$10,436
All other assets$14,701
Life insurance assets$503,365
Total liabilities and capital$440,301
Total liabilities$384,307
Total deposits$370,021
Interest-bearing deposits$384,307
Deposits held in domestic offices$90
% insured (estimated)40559.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$13,526
Other borrowed funds $0
Subordinated debt $1,909
All other liabilities $63,064
Total equity capital$63,064
Total bank equity capital$63,064
Perpetual preferred stock$6,300
Common stock$20,000
Surplus$29,400
Undivided profits $7,364
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 $778
Earning assets $0
Long-term assets (5+ years) $3,884
Average Assets, year-to-date $450,474
Average Assets, quarterly $149,278
Volatile liabilities $494,936
Insider loans $497,820
FHLB advances $354,408
Loans and leases held for sale $491,070
Unused loan commitments $4,807
Tier 1 (core) risk-based capital $161
Tier 2 risk-based capital $53,317
Total risk weighted assets $0
Total unused commitments $4,646
Restructured Loans and leases $47,007
Derivatives$4,176
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $21,029
Total interest expense $5,613
Net interest income $15,416
Provision for loan and lease losses $0
Total noninterest income -$259
Fiduciary activities $0
Service charges on deposit accounts $903
Trading account gains & fees $0
Additional noninterest income -$1,162
Total noninterest expense $10,002
Salaries and employee benefits $4,805
Premises and equipment expense $1,288
Additional noninterest expense $3,909
Pre-tax net operating income $5,155
Securities gains (losses) -$3
Applicable income taxes $1,743
Income before extraordinary items $3,409
Extraordinary gains - net $0
Net income attributable to bank $3,409
Net charge-offs $0
Cash dividends $3,409
Sale, conversion, retirement of capital stock, net $1,849
Net operating income $2,550
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.74%
Cost of funding earning assets 1.27%
Net interest margin 3.47%
Noninterest income to earning assets -0.06%
Noninterest expense to earning assets 2.25%
Net operating income to assets 0.69%
Return on assets (ROA) 0.69%
Pretax return on assets 1.04%
Return on equity (ROE) 5.82%
Retained earnings to average equity (YTD only) 1.47%
Net charge-offs to loans 0.56%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio2.79%
Assets per employee$63,575
Cash dividends to net income (YTD only)5.24%
Condition Ratios (%)
Loss allowance to loans 74.80%
Loss allowance to noncurrent loans 1.55%
Noncurrent assets plus other real estate owned to assets 662.08%
Noncurrent loans to loans 1.95%
Net loans and leases to deposits0.23%
Net loans and leases to core deposits 84.91%
Equity capital to assets 86.28%
Core capital (leverage) ratio 12.53%
Tier 1 risk-based capital ratio 10.86%
Total risk-based capital ratio 15.04%
Memoranda
Average assets$16
Average earning assets$494,936
Average equity $58,610
Average loans $443,644
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Total Fiduciary and Related Assets (December 31, 2007)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$18,536
Number of Accounts1
Personal trust and agency accounts$18,003
Employee benefit-defined contribution accounts$6,319
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$5,367
Investment management agency accounts$0
Other fiduciary accounts$6,317
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts117
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$533
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$533
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15 Kansas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011462United Bank & Trust823 Broadway, Marysville, KS 66508July 01, 1890Full Service Brick and Mortar
189411016 Broadway Branch1016 Broadway, Marysville, KS 66508March 01, 1870Limited Service Facility
39658Sabetha Branch935 Main Street, Sabetha, KS 66534January 01, 1918Full Service Brick and Mortar
4233688Paramount Branch511 Paramount (Apostolic Christian Home), Sabetha, KS 66534August 05, 1987Limited Service Mobile
59442Seneca Branch502 Main Street, Seneca, KS 66538January 01, 1894Full Service Brick and Mortar
6233143Drive-In Facility602 North Street, Seneca, KS 66538April 15, 1982Limited Service Facility
73077Clay Center Branch502 Lincoln Street, Clay Center, KS 67432June 01, 1885Full Service Brick and Mortar
89127229 C Street Branch229 C Street, Washington, KS 66968July 28, 1934Full Service Brick and Mortar
9231789Linn Branch300 Fourth Street, Linn, KS 66953December 20, 1988Full Service Brick and Mortar
10231790Concordia Branch2010 Lincoln Street, Concordia, KS 66901May 06, 1991Full Service Brick and Mortar
11425191Sabetha Motor Branch105 Washington Avenue, Sabetha, KS 66534Febuary 13, 2004Limited Service Facility
14432655West Crawford Branch726 West Crawford, Clay Center, KS 67432October 21, 2004Limited Service Facility
15443549Claflin Road Branch1800 Claflin Road, Manhattan, KS 66502August 15, 2005Full Service Brick and Mortar
16467776Tuttle Creek Blvd Branch2000 N. Tuttle Creek Blvd, Manhattan, KS 66502January 08, 2007Full Service Brick and Mortar
17360312Beattie Branch722 Main Street, Beattie, KS 66406May 29, 2001Full Service Brick and Mortar
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