United Bank & Trust in Marysville, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

United Bank & Trust - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Office Purchased
  • Financial Summary
  • Total 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
  • 96Total employees (full-time equivalent)
  • $503,365Total assets
  • $12,935Cash and due from depository institutions
  • $2,235Interest-bearing balances
  • $121,662Securities
  • $243Federal funds sold & reverse repurchase agreements
  • $326,334Net loans & leases
  • $5,151Loan loss allowance
  • $0Trading account assets
  • $7,994Bank premises and fixed assets
  • $9,060Other real estate owned
  • $10,436Goodwill and other intangibles
  • $503,365Life insurance assets
  • $14,701All other assets
  • $440,301Total liabilities and capital
  • $384,307Total liabilities
  • $370,021Total deposits
  • $384,307Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 40559.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,526Trading liabilities
  • $0Other borrowed funds
  • $1,909Subordinated debt
  • $63,064All other liabilities
  • $63,064Total equity capital
  • $63,064Total bank equity capital
  • $6,300Perpetual preferred stock
  • $20,000Common stock
  • $29,400Surplus
  • $7,364Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $778Income earned, not collected on loans
  • $0Earning assets
  • $3,884Long-term assets (5+ years)
  • $450,474Average Assets, year-to-date
  • $149,278Average Assets, quarterly
  • $494,936Volatile liabilities
  • $497,820Insider loans
  • $354,408FHLB advances
  • $491,070Loans and leases held for sale
  • $4,807Unused loan commitments
  • $161Tier 1 (core) risk-based capital
  • $53,317Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,646Total unused commitments
  • $47,007Restructured Loans and leases
  • $4,176Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,029Total interest income
  • $5,613Total interest expense
  • $15,416Net interest income
  • $0Provision for loan and lease losses
  • -$259Total noninterest income
  • $0Fiduciary activities
  • $903Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,162Additional noninterest income
  • $10,002Total noninterest expense
  • $4,805Salaries and employee benefits
  • $1,288Premises and equipment expense
  • $3,909Additional noninterest expense
  • $5,155Pre-tax net operating income
  • -$3Securities gains (losses)
  • $1,743Applicable income taxes
  • $3,409Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,409Net income attributable to bank
  • $0Net charge-offs
  • $3,409Cash dividends
  • $1,849Sale, conversion, retirement of capital stock, net
  • $2,550Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.74%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 3.47%Net interest margin
  • -0.06%Noninterest income to earning assets
  • 2.25%Noninterest expense to earning assets
  • 0.69%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 5.82%Return on equity (ROE)
  • 1.47%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 2.79%Efficiency ratio
  • 63,575Assets per employee
  • 5.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 74.80%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 662.08%Noncurrent assets plus other real estate owned to assets
  • 1.95%Noncurrent loans to loans
  • 0.23%Net loans and leases to deposits
  • 84.91%Net loans and leases to core deposits
  • 86.28%Equity capital to assets
  • 12.53%Core capital (leverage) ratio
  • 10.86%Tier 1 risk-based capital ratio
  • 15.04%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $494,936Average earning assets
  • $58,610Average equity
  • $443,644Average loans

Total Fiduciary and Related Assets (December 31, 2007)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $18,536Managed Assets
  • 1Number of Accounts
  • $18,003Personal trust and agency accounts
  • $6,319Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $5,367Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $6,317Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 117Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $533Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $533Fiduciary accounts held in foreign offices

List of branches

  • 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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