United Bankers' Bank in Bloomington, Minnesota (MN)

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United Bankers' Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)93
Total assets$563,707
Cash and due from depository institutions$56,576
Interest-bearing balances$51,965
Federal funds sold & reverse repurchase agreements$29,604
Net loans & leases$247,359
Loan loss allowance $11,412
Trading account assets$1,018
Bank premises and fixed assets$2,280
Other real estate owned$6,246
Goodwill and other intangibles$0
All other assets$17,343
Life insurance assets$563,707
Total liabilities and capital$507,648
Total liabilities$458,692
Total deposits$0
Interest-bearing deposits$458,692
Deposits held in domestic offices$98
% insured (estimated)44937.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $4,019
All other liabilities $56,059
Total equity capital$56,059
Total bank equity capital$56,059
Perpetual preferred stock$0
Common stock$3,015
Undivided profits $20,059
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 $11,317
Earning assets $0
Long-term assets (5+ years) $2,273
Average Assets, year-to-date $533,227
Average Assets, quarterly $53,284
Volatile liabilities $601,572
Insider loans $578,556
FHLB advances $320,983
Loans and leases held for sale $616,109
Unused loan commitments $3,673
Tier 1 (core) risk-based capital $3,673
Tier 2 risk-based capital $55,352
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $96,340
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $17,848
Total interest expense $37
Net interest income $17,811
Provision for loan and lease losses $5,109
Total noninterest income $16,767
Fiduciary activities $175
Service charges on deposit accounts $7,386
Trading account gains & fees $0
Additional noninterest income $9,206
Total noninterest expense $24,611
Salaries and employee benefits $10,426
Premises and equipment expense $2,342
Additional noninterest expense $11,843
Pre-tax net operating income $4,858
Securities gains (losses) $0
Applicable income taxes $1,838
Income before extraordinary items $3,020
Extraordinary gains - net $0
Net income attributable to bank $3,020
Net charge-offs $0
Cash dividends $3,020
Sale, conversion, retirement of capital stock, net $4,986
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.12%
Cost of funding earning assets 0.01%
Net interest margin 3.12%
Noninterest income to earning assets 2.94%
Noninterest expense to earning assets 4.31%
Net operating income to assets 0.50%
Return on assets (ROA) 0.50%
Pretax return on assets 0.81%
Return on equity (ROE) 5.91%
Retained earnings to average equity (YTD only) 5.91%
Net charge-offs to loans 1.91%
Credit loss provision to net charge-offs 102.47%
Efficiency ratio2.00%
Assets per employee$71,175
Cash dividends to net income (YTD only)6.06%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 4.41%
Noncurrent assets plus other real estate owned to assets 100.84%
Noncurrent loans to loans 3.12%
Net loans and leases to deposits4.37%
Net loans and leases to core deposits 53.93%
Equity capital to assets 53.93%
Core capital (leverage) ratio 9.94%
Tier 1 risk-based capital ratio 8.98%
Total risk-based capital ratio 17.24%
Average assets$19
Average earning assets$601,572
Average equity $51,080
Average loans $571,217
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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$423,721
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 Accounts11
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$423,721
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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