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

This bank is inactive as of April 11, 1994

United Community Bank Bunker Hill in Bunker Hill, Illinois (IL)
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United Community Bank Bunker Hill - Overview

General
FDIC Certificate #: 3771
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: United Community Bank (#19459)
Federal Reserve ID: 996943
Date Established: January 01, 1913
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
OTS Docket #: 11049
FDIC's unique #: 2435
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: April 11, 1994
Last Structure Change Process Date: May 18, 1994
Last Data Update: May 18, 1994
Data Source Date: April 05, 2012
Location
Address: Main Street, Bunker Hill, IL 62014
County: Macoupin
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
Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
Financial Summary
Total assets: $36.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$21Total assets
$36,178Cash and due from depository institutions
$814Interest-bearing balances
$100Securities
$13,740Federal funds sold & reverse repurchase agreements
$1,500Net loans & leases
$18,949Loan loss allowance
$197Trading account assets
$0Bank premises and fixed assets
$862Other real estate owned
$49Goodwill and other intangibles
$264Life insurance assets
$0All other assets
$0Total liabilities and capital
$36,178Total liabilities
$33,434Total deposits
$30,812Interest-bearing deposits
$27,831Deposits held in domestic offices
30812.00%% insured (estimated)
$100Federal funds purchased & repurchase agreements
$1,500Trading liabilities
$0Other borrowed funds
$935Subordinated debt
$0All other liabilities
$187Total equity capital
$187Total bank equity capital
$2,744Perpetual preferred stock
$0Common stock
$50Surplus
$2,100Undivided profits
Memoranda
$594Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$80Income earned, not collected on loans
$126Earning assets
$34,289Long-term assets (5+ years)
$1,384Average Assets, year-to-date
$35,715Average Assets, quarterly
$36,200Volatile liabilities
$3,768Insider loans
$33FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$624Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,744Total risk weighted assets
$19,605Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$2,607Total interest expense
$1,276Net interest income
$1,331Provision for loan and lease losses
$0Total noninterest income
$204Fiduciary activities
$0Service charges on deposit accounts
$104Trading account gains & fees
$0Additional noninterest income
$100Total noninterest expense
$914Salaries and employee benefits
$491Premises and equipment expense
$143Additional noninterest expense
$280Pre-tax net operating income
$621Securities gains (losses)
-$8Applicable income taxes
$172Income before extraordinary items
$441Extraordinary gains - net
$0Net income attributable to bank
$441Net charge-offs
-$3Cash dividends
$336Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.74%Cost of funding earning assets
3.79%Net interest margin
3.95%Noninterest income to earning assets
0.61%Noninterest expense to earning assets
2.71%Net operating income to assets
1.25%Return on assets (ROA)
1.23%Pretax return on assets
1.72%Return on equity (ROE)
16.31%Retained earnings to average equity (YTD only)
3.88%Net charge-offs to loans
-0.02%Credit loss provision to net charge-offs
0.00%Efficiency ratio
59,544Assets per employee
1.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
76.19%Loss allowance to loans
1.03%Loss allowance to noncurrent loans
246.25%Noncurrent assets plus other real estate owned to assets
0.36%Noncurrent loans to loans
0.42%Net loans and leases to deposits
61.50%Net loans and leases to core deposits
64.28%Equity capital to assets
7.58%Core capital (leverage) ratio
7.55%Tier 1 risk-based capital ratio
14.00%Total risk-based capital ratio
Memoranda
$15Average assets
$35,715Average earning assets
$2,703Average equity
$33,687Average loans

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