United Bank & Trust National Association in Marshalltown, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • United Bank & Trust National Association in Marshalltown, Iowa (IA)
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United Bank & Trust National Association - Overview

  • General
  • FDIC Certificate #: 57391
    Status: Active
    Federal Reserve ID: 3103591
    Bank Holding Company (Regulatory Top Holder): Ames National Corporation (RSSDID: 1202258, Location: Ames, IA)
    Date Established: June 21, 2002
    WWW: http://www.ubtna.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 363051
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: June 21, 2002
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2101 South Center Street, Marshalltown, IA 50158
    County: Marshall
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Des Moines
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Marshalltown, IA (#32260)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $107.7 mil
    Equity capital: $12.3 mil
    Deposits held in domestic offices: $84.5 mil
    Return on assets (ROA): 1.13% ($1.2 mil)
    Quarterly return on assets: 1.00% ($1.1 mil)
    Return on Equity (ROE): 10.56% ($1.3 mil)
    Quarterly return on equity: 8.99% ($1.1 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.46% ($1,571.7 mil)
    Quarterly Pretax return on assets: 1.24% ($1,334.9 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
  • 24Total employees (full-time equivalent)
  • $107,650Total assets
  • $7,105Cash and due from depository institutions
  • $6,135Interest-bearing balances
  • $47,402Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $48,292Net loans & leases
  • $961Loan loss allowance
  • $0Trading account assets
  • $1,363Bank premises and fixed assets
  • $1,926Other real estate owned
  • $0Goodwill and other intangibles
  • $107,650Life insurance assets
  • $1,562All other assets
  • $95,365Total liabilities and capital
  • $84,503Total liabilities
  • $75,724Total deposits
  • $84,503Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 8966.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,468Trading liabilities
  • $0Other borrowed funds
  • $428Subordinated debt
  • $12,285All other liabilities
  • $12,285Total equity capital
  • $12,285Total bank equity capital
  • $0Perpetual preferred stock
  • $2,823Common stock
  • $6,587Surplus
  • $2,875Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $36Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $988Income earned, not collected on loans
  • $0Earning assets
  • $614Long-term assets (5+ years)
  • $101,829Average Assets, year-to-date
  • $32,451Average Assets, quarterly
  • $108,780Volatile liabilities
  • $109,858Insider loans
  • $60,474FHLB advances
  • $109,031Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,329Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,159Restructured Loans and leases
  • $3,986Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,207Total interest income
  • $923Total interest expense
  • $3,284Net interest income
  • $0Provision for loan and lease losses
  • $716Total noninterest income
  • $310Fiduciary activities
  • $78Service charges on deposit accounts
  • $0Trading account gains & fees
  • $328Additional noninterest income
  • $2,649Total noninterest expense
  • $1,373Salaries and employee benefits
  • $316Premises and equipment expense
  • $960Additional noninterest expense
  • $1,351Pre-tax net operating income
  • $240Securities gains (losses)
  • $363Applicable income taxes
  • $1,228Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,228Net income attributable to bank
  • $0Net charge-offs
  • $1,228Cash dividends
  • $38Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.12%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 3.22%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 2.60%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 1.13%Return on assets (ROA)
  • 1.46%Pretax return on assets
  • 10.56%Return on equity (ROE)
  • 9.70%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 35.55%Efficiency ratio
  • 66,225Assets per employee
  • 4.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 8.14%Loss allowance to loans
  • 1.95%Loss allowance to noncurrent loans
  • 97.27%Noncurrent assets plus other real estate owned to assets
  • 2.71%Noncurrent loans to loans
  • 2.01%Net loans and leases to deposits
  • 57.15%Net loans and leases to core deposits
  • 58.76%Equity capital to assets
  • 11.41%Core capital (leverage) ratio
  • 10.39%Tier 1 risk-based capital ratio
  • 18.73%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $108,780Average earning assets
  • $11,627Average equity
  • $102,065Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $36,085Managed Assets
  • 1Number of Accounts
  • $34,742Personal trust and agency accounts
  • $10,816Employee benefit-defined contribution accounts
  • $1,114Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $3,422Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $17,726Other fiduciary accounts
  • $1,664Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 71Number of Accounts
  • $0Personal trust and agency accounts
  • $3,422Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,343Other retirement accounts
  • $0Corporate trust and agency accounts
  • $1,343Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0363051United Bank & Trust National Associa2101 South Center Street, Marshalltown, IA 50158June 21, 2002Full Service Brick and Mortar
    1451638Courthouse Branch29 South Center Street, Marshalltown, IA 50158May 03, 2006Full Service Brick and Mortar

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