United Bank of Union in Union, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • United Bank of Union in Union, Missouri (MO)
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United Bank of Union - Overview

  • General
  • FDIC Certificate #: 14334
    Status: Active
    Federal Reserve ID: 562058
    Bank Holding Company (Regulatory Top Holder): Cardinal Bancorp Ii, Inc. (RSSDID: 1248368, Location: Washington, MO)
    Date Established: March 22, 1934
    WWW: http://www.unitedbankofunion.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 8955
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 07, 1934
    Last Structure Change Effective Date: June 30, 2007
    Last Structure Change Process Date: August 30, 2007
    Last Data Update: August 30, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 15 East Main Street, Union, MO 63084
    County: Franklin
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • Financial Summary
  • Total assets: $272.6 mil
    Equity capital: $29.7 mil
    Deposits held in domestic offices: $234.1 mil
    Return on assets (ROA): 1.61% ($4.4 mil)
    Quarterly return on assets: 1.62% ($4.4 mil)
    Return on Equity (ROE): 15.47% ($4.6 mil)
    Quarterly return on equity: 14.99% ($4.5 mil)
    Net income: $4.4 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.61% ($4,388.8 mil)
    Quarterly Pretax return on assets: 1.62% ($4,416.1 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
  • 67Total employees (full-time equivalent)
  • $272,599Total assets
  • $8,241Cash and due from depository institutions
  • $3,206Interest-bearing balances
  • $55,878Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $197,370Net loans & leases
  • $4,341Loan loss allowance
  • $0Trading account assets
  • $3,712Bank premises and fixed assets
  • $748Other real estate owned
  • $924Goodwill and other intangibles
  • $272,599Life insurance assets
  • $5,726All other assets
  • $242,915Total liabilities and capital
  • $234,067Total liabilities
  • $207,665Total deposits
  • $234,067Interest-bearing deposits
  • $71Deposits held in domestic offices
  • 1184.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,898Trading liabilities
  • $0Other borrowed funds
  • $766Subordinated debt
  • $29,684All other liabilities
  • $29,684Total equity capital
  • $29,684Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $5,800Surplus
  • $23,484Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $447Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,838Income earned, not collected on loans
  • $0Earning assets
  • $1,235Long-term assets (5+ years)
  • $256,454Average Assets, year-to-date
  • $14,483Average Assets, quarterly
  • $274,913Volatile liabilities
  • $273,811Insider loans
  • $218,524FHLB advances
  • $272,638Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $29,502Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $21,689Restructured Loans and leases
  • $16,719Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,499Total interest income
  • $3,225Total interest expense
  • $10,274Net interest income
  • $1,540Provision for loan and lease losses
  • $2,771Total noninterest income
  • $0Fiduciary activities
  • $586Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,185Additional noninterest income
  • $7,078Total noninterest expense
  • $3,709Salaries and employee benefits
  • $833Premises and equipment expense
  • $2,536Additional noninterest expense
  • $4,427Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $4,427Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,427Net income attributable to bank
  • $0Net charge-offs
  • $4,427Cash dividends
  • $1,505Sale, conversion, retirement of capital stock, net
  • $3,259Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 3.96%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 2.73%Noninterest expense to earning assets
  • 1.61%Net operating income to assets
  • 1.61%Return on assets (ROA)
  • 1.61%Pretax return on assets
  • 15.47%Return on equity (ROE)
  • 4.08%Retained earnings to average equity (YTD only)
  • 0.75%Net charge-offs to loans
  • 102.33%Credit loss provision to net charge-offs
  • 3.96%Efficiency ratio
  • 54,258Assets per employee
  • 4.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 73.62%Loss allowance to loans
  • 2.15%Loss allowance to noncurrent loans
  • 152.96%Noncurrent assets plus other real estate owned to assets
  • 1.32%Noncurrent loans to loans
  • 1.41%Net loans and leases to deposits
  • 84.32%Net loans and leases to core deposits
  • 89.51%Equity capital to assets
  • 10.89%Core capital (leverage) ratio
  • 10.82%Tier 1 risk-based capital ratio
  • 13.50%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $274,913Average earning assets
  • $28,625Average equity
  • $259,370Average loans

List of branches

  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08955United Bank Of Union15 East Main Street, Union, MO 63084March 22, 1934Full Service Brick and Mortar
    1231334Union Branch210 Highway 50 West, Union, MO 63084September 29, 1989Full Service Brick and Mortar
    2364172Rebel Road Branch1440 Rebel Road, Union, MO 63084May 06, 2002Full Service Brick and Mortar

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