United Community Bank in Chatham, Illinois (IL)

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United Community Bank
GeneralFDIC Certificate #: 19459
Status: Active
Federal Reserve ID: 439338
Bank Holding Company (Regulatory Top Holder): United Community Bancorp, Inc. (RSSDID: 1097182, Location: Chatham, IL)
Date Established: July 12, 1965
WWW: http://www.ucbbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 18 (Domestic: 18, Interstate: No)
OTS Docket #: 11023
FDIC's unique #: 13260
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: July 12, 1965
Last Structure Change Effective Date: May 19, 2011
Last Structure Change Process Date: May 20, 2011
Last Data Update: May 20, 2011
Data Source Date: April 05, 2012
LocationAddress: 301 North Main Street, Chatham, IL 62629
County: Sangamon
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Springfield Il
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Springfield, IL (#7880)
Core Based Statistical Area (CBSA): Springfield, IL (#44100)
CBSA Metro Statistical Area: Springfield, IL (#44100)
History of ChangesOffice Purchased
Financial SummaryTotal assets: $954.7 mil
Equity capital: $104.4 mil
Deposits held in domestic offices: $737.5 mil
Return on assets (ROA): 1.87% ($17.9 mil)
Quarterly return on assets: 1.61% ($15.4 mil)
Return on Equity (ROE): 19.75% ($20.5 mil)
Quarterly return on equity: 15.10% ($15.7 mil)
Net income: $16.9 mil
Quarterly Net income: $3.8 mil
Pretax return on assets: 1.89% ($18,043.5 mil)
Quarterly Pretax return on assets: 1.64% ($15,656.8 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)263
Total assets$954,685
Cash and due from depository institutions$20,677
Interest-bearing balances$355
Federal funds sold & reverse repurchase agreements$63,027
Net loans & leases$507,484
Loan loss allowance $7,132
Trading account assets$0
Bank premises and fixed assets$14,327
Other real estate owned$1,950
Goodwill and other intangibles$8,757
All other assets$15,233
Life insurance assets$954,685
Total liabilities and capital$850,307
Total liabilities$737,537
Total deposits$604,382
Interest-bearing deposits$737,537
Deposits held in domestic offices$82
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$110,000
Other borrowed funds $0
Subordinated debt $2,770
All other liabilities $104,378
Total equity capital$104,378
Total bank equity capital$104,378
Perpetual preferred stock$0
Common stock$413
Undivided profits $69,899
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $5,831
Income earned, not collected on loans $3,350
Earning assets $0
Long-term assets (5+ years) $4,945
Average Assets, year-to-date $894,096
Average Assets, quarterly $323,753
Volatile liabilities $902,738
Insider loans $954,820
FHLB advances $536,326
Loans and leases held for sale $949,962
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $87,780
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $103,156
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $37,860
Total interest expense $9,715
Net interest income $28,145
Provision for loan and lease losses $1,181
Total noninterest income $9,373
Fiduciary activities $369
Service charges on deposit accounts $2,499
Trading account gains & fees $0
Additional noninterest income $6,505
Total noninterest expense $21,216
Salaries and employee benefits $12,046
Premises and equipment expense $3,143
Additional noninterest expense $6,027
Pre-tax net operating income $15,121
Securities gains (losses) $1,981
Applicable income taxes $186
Income before extraordinary items $16,916
Extraordinary gains - net $0
Net income attributable to bank $16,916
Net charge-offs $0
Cash dividends $16,916
Sale, conversion, retirement of capital stock, net $1,077
Net operating income $7,218
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.51%
Cost of funding earning assets 1.16%
Net interest margin 3.35%
Noninterest income to earning assets 1.12%
Noninterest expense to earning assets 2.53%
Net operating income to assets 1.66%
Return on assets (ROA) 1.87%
Pretax return on assets 1.89%
Return on equity (ROE) 19.75%
Retained earnings to average equity (YTD only) 11.32%
Net charge-offs to loans 0.21%
Credit loss provision to net charge-offs 109.66%
Efficiency ratio15.14%
Assets per employee$56,109
Cash dividends to net income (YTD only)3.63%
Condition Ratios (%)
Loss allowance to loans 42.67%
Loss allowance to noncurrent loans 1.39%
Noncurrent assets plus other real estate owned to assets 212.90%
Noncurrent loans to loans 0.56%
Net loans and leases to deposits0.65%
Net loans and leases to core deposits 68.81%
Equity capital to assets 73.86%
Core capital (leverage) ratio 10.93%
Tier 1 risk-based capital ratio 9.24%
Total risk-based capital ratio 16.37%
Average assets$18
Average earning assets$902,738
Average equity $85,658
Average loans $839,048
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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$243,223
Number of Accounts1
Personal trust and agency accounts$242,533
Employee benefit-defined contribution accounts$240,322
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$943
Fiduciary accounts held in foreign offices$0
Non-managed Assets$1,268
Number of Accounts140
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$690
Corporate trust and agency accounts$263
Other fiduciary accounts$271
Fiduciary accounts held in foreign offices$0
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18 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
013260United Community Bank301 North Main Street, Chatham, IL 62629July 12, 1965Full Service Brick and Mortar
3248399Loami Facility102 Church Street, Loami, IL 62661Febuary 23, 1982Limited Service Facility
410321Pawnee Main Branch619 Fifth Street, Pawnee, IL 62558November 29, 1943Full Service Brick and Mortar
61192Gillespie Main Branch301 South Macoupin Street, Gillespie, IL 62033July 20, 1922Full Service Brick and Mortar
87891Greenfield Branch402 Main Street, Greenfield, IL 62044June 01, 1907Full Service Brick and Mortar
92435Bunker Hill Main Branch129 North Washington, Bunker Hill, IL 62014January 01, 1913Full Service Brick and Mortar
10201892Bunker Hill Plaza Bank FacilityRoute 159 And South Franklin, Bunker Hill, IL 62014September 24, 1979Limited Service Facility
11340846Springfield Montvale Plaza Branch1900 West Iles Avenue, Springfield, IL 62704July 27, 1999Full Service Brick and Mortar
12428771Stevenson Drive Branch700 Stevenson Drive, Springfield, IL 62703June 01, 2004Full Service Brick and Mortar
13440381Bruns Lane Branch617 Bruns Lane, Springfield, IL 62702May 16, 2005Full Service Brick and Mortar
1410097Auburn Branch200 North Fifth Street, Auburn, IL 62615November 22, 1941Full Service Brick and Mortar
15235650Drive-Up Facility720 West Jackson Street, Auburn, IL 62615September 01, 1970Limited Service Facility
16235651Drive-Up FacilityRoute 104 East, Auburn, IL 62615October 15, 1977Limited Service Facility
17474318Divernon Branch2300 Reichert Road, Divernon, IL 62530May 12, 2008Full Service Brick and Mortar
19263590Carlinville Branch404 North Broad Street, Carlinville, IL 62626January 01, 1892Full Service Brick and Mortar
2077684Pittsfield Branch1 Professional Plaza, Pittsfield, IL 62363October 22, 1999Full Service Brick and Mortar
218643Roodhouse Facility215 South Morse Street, Roodhouse, IL 62082January 01, 1873Full Service Brick and Mortar
22702Winchester Branch21 East Market, Winchester, IL 62694January 06, 1886Full Service Brick and Mortar
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