United Bank and Trust Company in Hampton, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

United Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 14247
    Status: Active
    Federal Reserve ID: 116741
    Bank Holding Company (Regulatory Top Holder): J. E. Coonley Company (RSSDID: 1209529, Location: Hampton, IA)
    Date Established: January 01, 1915
    WWW: http://www.ubtc.net
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 8896
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 400 Central Ave East, Hampton, IA 50441
    County: Franklin
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $129.8 mil
    Equity capital: $17.1 mil
    Deposits held in domestic offices: $109.1 mil
    Return on assets (ROA): 1.36% ($1.8 mil)
    Quarterly return on assets: 1.42% ($1.8 mil)
    Return on Equity (ROE): 10.61% ($1.8 mil)
    Quarterly return on equity: 10.84% ($1.8 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.43% ($1,856.6 mil)
    Quarterly Pretax return on assets: 1.49% ($1,934.5 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
  • 28Total employees (full-time equivalent)
  • $129,831Total assets
  • $6,982Cash and due from depository institutions
  • $1,725Interest-bearing balances
  • $44,192Securities
  • $288Federal funds sold & reverse repurchase agreements
  • $73,075Net loans & leases
  • $767Loan loss allowance
  • $0Trading account assets
  • $3,464Bank premises and fixed assets
  • $0Other real estate owned
  • $141Goodwill and other intangibles
  • $129,831Life insurance assets
  • $1,689All other assets
  • $112,754Total liabilities and capital
  • $109,063Total liabilities
  • $90,129Total deposits
  • $109,063Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,500Trading liabilities
  • $0Other borrowed funds
  • $191Subordinated debt
  • $17,077All other liabilities
  • $17,077Total equity capital
  • $17,077Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $3,001Surplus
  • $13,956Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $490Income earned, not collected on loans
  • $0Earning assets
  • $1,109Long-term assets (5+ years)
  • $119,280Average Assets, year-to-date
  • $32,674Average Assets, quarterly
  • $126,732Volatile liabilities
  • $129,772Insider loans
  • $91,996FHLB advances
  • $130,204Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,472Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,629Restructured Loans and leases
  • $1,724Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,159Total interest income
  • $1,061Total interest expense
  • $4,098Net interest income
  • $60Provision for loan and lease losses
  • $507Total noninterest income
  • $0Fiduciary activities
  • $366Service charges on deposit accounts
  • $0Trading account gains & fees
  • $141Additional noninterest income
  • $2,733Total noninterest expense
  • $1,545Salaries and employee benefits
  • $487Premises and equipment expense
  • $701Additional noninterest expense
  • $1,812Pre-tax net operating income
  • $0Securities gains (losses)
  • $91Applicable income taxes
  • $1,721Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,721Net income attributable to bank
  • $0Net charge-offs
  • $1,721Cash dividends
  • $15Sale, conversion, retirement of capital stock, net
  • $714Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.40%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 3.50%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.33%Noninterest expense to earning assets
  • 1.36%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 1.43%Pretax return on assets
  • 10.61%Return on equity (ROE)
  • 6.21%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 400.00%Credit loss provision to net charge-offs
  • 124.80%Efficiency ratio
  • 58,198Assets per employee
  • 4.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.49%Loss allowance to loans
  • 1.04%Loss allowance to noncurrent loans
  • 156.53%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.66%Net loans and leases to deposits
  • 67.00%Net loans and leases to core deposits
  • 68.81%Equity capital to assets
  • 13.15%Core capital (leverage) ratio
  • 11.88%Tier 1 risk-based capital ratio
  • 16.82%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $126,732Average earning assets
  • $16,216Average equity
  • $117,186Average 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
  • $123Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 26Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $123Other retirement accounts
  • $123Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08896United Bank And Trust Company400 Central Ave East, Hampton, IA 50441January 01, 1915Full Service Brick and Mortar
    1231224Dougherty BranchMain Street, Dougherty, IA 50433April 05, 1935Full Service Brick and Mortar
    36469Dows BranchMain Street, Dows, IA 50071Febuary 20, 1912Full Service Brick and Mortar
    510508Alden BranchMain Street, Alden, IA 50006October 05, 1945Full Service Brick and Mortar
    6275252Sheffield Branch202 Gilman Street, Sheffield, IA 50475August 12, 1935Full Service Brick and Mortar

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