United Bankers' Bank in Bloomington, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • United Bankers' Bank in Bloomington, Minnesota (MN)
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United Bankers' Bank - Overview

  • General
  • FDIC Certificate #: 22180
    Status: Active
    Federal Reserve ID: 930358
    Bank Holding Company (Regulatory Top Holder): United Bankers' Bancorporation, Inc (RSSDID: 2291727, Location: Bloomington, MN)
    Date Established: December 15, 1975
    WWW: http://www.ubb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 15411
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: December 15, 1975
    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: 1650 West 82nd Street, Suite 1500, Bloomington, MN 55431
    County: Hennepin
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Minneapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Minneapolis-St. Paul, MN-WI (#5120)
    Combined Statistical Area (CSA): Minneapolis-St. Paul-St. Cloud, MN-WI (#378)
    Core Based Statistical Area (CBSA): Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
    CBSA Metro Statistical Area: Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $563.7 mil
    Equity capital: $56.1 mil
    Deposits held in domestic offices: $458.7 mil
    Return on assets (ROA): 0.50% ($2.8 mil)
    Quarterly return on assets: 0.35% ($2.0 mil)
    Return on Equity (ROE): 5.91% ($3.3 mil)
    Quarterly return on equity: 3.62% ($2.0 mil)
    Net income: $3.0 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.81% ($4,566.0 mil)
    Quarterly Pretax return on assets: 0.55% ($3,100.4 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
  • 93Total employees (full-time equivalent)
  • $563,707Total assets
  • $56,576Cash and due from depository institutions
  • $51,965Interest-bearing balances
  • $203,281Securities
  • $29,604Federal funds sold & reverse repurchase agreements
  • $247,359Net loans & leases
  • $11,412Loan loss allowance
  • $1,018Trading account assets
  • $2,280Bank premises and fixed assets
  • $6,246Other real estate owned
  • $0Goodwill and other intangibles
  • $563,707Life insurance assets
  • $17,343All other assets
  • $507,648Total liabilities and capital
  • $458,692Total liabilities
  • $0Total deposits
  • $458,692Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 44937.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $4,019Subordinated debt
  • $56,059All other liabilities
  • $56,059Total equity capital
  • $56,059Total bank equity capital
  • $0Perpetual preferred stock
  • $3,015Common stock
  • $32,985Surplus
  • $20,059Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,317Income earned, not collected on loans
  • $0Earning assets
  • $2,273Long-term assets (5+ years)
  • $533,227Average Assets, year-to-date
  • $53,284Average Assets, quarterly
  • $601,572Volatile liabilities
  • $578,556Insider loans
  • $320,983FHLB advances
  • $616,109Loans and leases held for sale
  • $3,673Unused loan commitments
  • $3,673Tier 1 (core) risk-based capital
  • $55,352Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $96,340Restructured Loans and leases
  • $300Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,848Total interest income
  • $37Total interest expense
  • $17,811Net interest income
  • $5,109Provision for loan and lease losses
  • $16,767Total noninterest income
  • $175Fiduciary activities
  • $7,386Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9,206Additional noninterest income
  • $24,611Total noninterest expense
  • $10,426Salaries and employee benefits
  • $2,342Premises and equipment expense
  • $11,843Additional noninterest expense
  • $4,858Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,838Applicable income taxes
  • $3,020Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,020Net income attributable to bank
  • $0Net charge-offs
  • $3,020Cash dividends
  • $4,986Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.12%Yield on earning assets
  • 0.01%Cost of funding earning assets
  • 3.12%Net interest margin
  • 2.94%Noninterest income to earning assets
  • 4.31%Noninterest expense to earning assets
  • 0.50%Net operating income to assets
  • 0.50%Return on assets (ROA)
  • 0.81%Pretax return on assets
  • 5.91%Return on equity (ROE)
  • 5.91%Retained earnings to average equity (YTD only)
  • 1.91%Net charge-offs to loans
  • 102.47%Credit loss provision to net charge-offs
  • 2.00%Efficiency ratio
  • 71,175Assets per employee
  • 6.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.41%Loss allowance to noncurrent loans
  • 100.84%Noncurrent assets plus other real estate owned to assets
  • 3.12%Noncurrent loans to loans
  • 4.37%Net loans and leases to deposits
  • 53.93%Net loans and leases to core deposits
  • 53.93%Equity capital to assets
  • 9.94%Core capital (leverage) ratio
  • 8.98%Tier 1 risk-based capital ratio
  • 17.24%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $601,572Average earning assets
  • $51,080Average equity
  • $571,217Average 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
  • $423,721Managed 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
  • 11Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $423,721Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Minnesota Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015411United Bankers' Bank1650 West 82nd Street, Suite 1500, Bloomington, MN 55431December 15, 1975Full Service Brick and Mortar

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