United Bank and Trust Company in Hampton, Iowa (IA)

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United Bank and Trust Company
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)28
Total assets$129,831
Cash and due from depository institutions$6,982
Interest-bearing balances$1,725
Federal funds sold & reverse repurchase agreements$288
Net loans & leases$73,075
Loan loss allowance $767
Trading account assets$0
Bank premises and fixed assets$3,464
Other real estate owned$0
Goodwill and other intangibles$141
All other assets$1,689
Life insurance assets$129,831
Total liabilities and capital$112,754
Total liabilities$109,063
Total deposits$90,129
Interest-bearing deposits$109,063
Deposits held in domestic offices$88
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,500
Other borrowed funds $0
Subordinated debt $191
All other liabilities $17,077
Total equity capital$17,077
Total bank equity capital$17,077
Perpetual preferred stock$0
Common stock$120
Undivided profits $13,956
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 $490
Earning assets $0
Long-term assets (5+ years) $1,109
Average Assets, year-to-date $119,280
Average Assets, quarterly $32,674
Volatile liabilities $126,732
Insider loans $129,772
FHLB advances $91,996
Loans and leases held for sale $130,204
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $15,472
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $15,629
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,159
Total interest expense $1,061
Net interest income $4,098
Provision for loan and lease losses $60
Total noninterest income $507
Fiduciary activities $0
Service charges on deposit accounts $366
Trading account gains & fees $0
Additional noninterest income $141
Total noninterest expense $2,733
Salaries and employee benefits $1,545
Premises and equipment expense $487
Additional noninterest expense $701
Pre-tax net operating income $1,812
Securities gains (losses) $0
Applicable income taxes $91
Income before extraordinary items $1,721
Extraordinary gains - net $0
Net income attributable to bank $1,721
Net charge-offs $0
Cash dividends $1,721
Sale, conversion, retirement of capital stock, net $15
Net operating income $714
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.40%
Cost of funding earning assets 0.91%
Net interest margin 3.50%
Noninterest income to earning assets 0.43%
Noninterest expense to earning assets 2.33%
Net operating income to assets 1.36%
Return on assets (ROA) 1.36%
Pretax return on assets 1.43%
Return on equity (ROE) 10.61%
Retained earnings to average equity (YTD only) 6.21%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 400.00%
Efficiency ratio124.80%
Assets per employee$58,198
Cash dividends to net income (YTD only)4.64%
Condition Ratios (%)
Loss allowance to loans 41.49%
Loss allowance to noncurrent loans 1.04%
Noncurrent assets plus other real estate owned to assets 156.53%
Noncurrent loans to loans 0.38%
Net loans and leases to deposits0.66%
Net loans and leases to core deposits 67.00%
Equity capital to assets 68.81%
Core capital (leverage) ratio 13.15%
Tier 1 risk-based capital ratio 11.88%
Total risk-based capital ratio 16.82%
Average assets$18
Average earning assets$126,732
Average equity $16,216
Average loans $117,186
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Total Fiduciary and Related Assets (December 31, 2011)
(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$123
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts26
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$123
Corporate trust and agency accounts$123
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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