United Community Bank in Chatham, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • United Community Bank in Chatham, Illinois (IL)
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United Community Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Office Purchased
  • Financial Summary
  • Total 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
  • 263Total employees (full-time equivalent)
  • $954,685Total assets
  • $20,677Cash and due from depository institutions
  • $355Interest-bearing balances
  • $323,230Securities
  • $63,027Federal funds sold & reverse repurchase agreements
  • $507,484Net loans & leases
  • $7,132Loan loss allowance
  • $0Trading account assets
  • $14,327Bank premises and fixed assets
  • $1,950Other real estate owned
  • $8,757Goodwill and other intangibles
  • $954,685Life insurance assets
  • $15,233All other assets
  • $850,307Total liabilities and capital
  • $737,537Total liabilities
  • $604,382Total deposits
  • $737,537Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $110,000Trading liabilities
  • $0Other borrowed funds
  • $2,770Subordinated debt
  • $104,378All other liabilities
  • $104,378Total equity capital
  • $104,378Total bank equity capital
  • $0Perpetual preferred stock
  • $413Common stock
  • $34,066Surplus
  • $69,899Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,831Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,350Income earned, not collected on loans
  • $0Earning assets
  • $4,945Long-term assets (5+ years)
  • $894,096Average Assets, year-to-date
  • $323,753Average Assets, quarterly
  • $902,738Volatile liabilities
  • $954,820Insider loans
  • $536,326FHLB advances
  • $949,962Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $87,780Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $103,156Restructured Loans and leases
  • $3,941Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $37,860Total interest income
  • $9,715Total interest expense
  • $28,145Net interest income
  • $1,181Provision for loan and lease losses
  • $9,373Total noninterest income
  • $369Fiduciary activities
  • $2,499Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,505Additional noninterest income
  • $21,216Total noninterest expense
  • $12,046Salaries and employee benefits
  • $3,143Premises and equipment expense
  • $6,027Additional noninterest expense
  • $15,121Pre-tax net operating income
  • $1,981Securities gains (losses)
  • $186Applicable income taxes
  • $16,916Income before extraordinary items
  • $0Extraordinary gains - net
  • $16,916Net income attributable to bank
  • $0Net charge-offs
  • $16,916Cash dividends
  • $1,077Sale, conversion, retirement of capital stock, net
  • $7,218Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 3.35%Net interest margin
  • 1.12%Noninterest income to earning assets
  • 2.53%Noninterest expense to earning assets
  • 1.66%Net operating income to assets
  • 1.87%Return on assets (ROA)
  • 1.89%Pretax return on assets
  • 19.75%Return on equity (ROE)
  • 11.32%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 109.66%Credit loss provision to net charge-offs
  • 15.14%Efficiency ratio
  • 56,109Assets per employee
  • 3.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.67%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 212.90%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 0.65%Net loans and leases to deposits
  • 68.81%Net loans and leases to core deposits
  • 73.86%Equity capital to assets
  • 10.93%Core capital (leverage) ratio
  • 9.24%Tier 1 risk-based capital ratio
  • 16.37%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $902,738Average earning assets
  • $85,658Average equity
  • $839,048Average 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
  • $243,223Managed Assets
  • 1Number of Accounts
  • $242,533Personal trust and agency accounts
  • $240,322Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $943Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $1,268Non-managed Assets
  • 140Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $690Other retirement accounts
  • $263Corporate trust and agency accounts
  • $271Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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