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
No
ID
Name
Address
Established
Service Type
Map
0
15411
United Bankers' Bank
1650 West 82nd Street, Suite 1500, Bloomington, MN 55431
December 15, 1975
Full Service Brick and Mortar
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