United National Bank in Cairo, Georgia (GA)

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United National Bank routing number info

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United National Bank
GeneralFDIC Certificate #: 35427
Status: Active
Federal Reserve ID: 2914727
Date Established: May 26, 2000
WWW: http://www.unbonline.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 80023
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: May 26, 2000
Last Structure Change Effective Date: July 13, 2007
Last Structure Change Process Date: September 07, 2007
Last Data Update: September 07, 2007
Data Source Date: April 05, 2012
LocationAddress: 722 N Broad St, Cairo, GA 39828
County: Grady
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Albany Ga
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
History of ChangesChange in Location
Financial SummaryTotal assets: $176.7 mil
Equity capital: $20.6 mil
Deposits held in domestic offices: $148.7 mil
Return on assets (ROA): 0.76% ($1.3 mil)
Quarterly return on assets: 0.04% ($0.1 mil)
Return on Equity (ROE): 6.49% ($1.4 mil)
Quarterly return on equity: 0.31% ($0.1 mil)
Net income: $1.3 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 1.22% ($2,155.9 mil)
Quarterly Pretax return on assets: -0.51% (-$901.3 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)27
Total assets$176,717
Cash and due from depository institutions$20,170
Interest-bearing balances$19,577
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$142,066
Loan loss allowance $5,113
Trading account assets$0
Bank premises and fixed assets$3,069
Other real estate owned$77
Goodwill and other intangibles$0
All other assets$5,708
Life insurance assets$176,717
Total liabilities and capital$156,089
Total liabilities$148,699
Total deposits$131,374
Interest-bearing deposits$148,699
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,336
Other borrowed funds $0
Subordinated debt $1,054
All other liabilities $20,628
Total equity capital$20,628
Total bank equity capital$20,628
Perpetual preferred stock$0
Common stock$3,874
Undivided profits $12,893
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 $4,751
Earning assets $155
Long-term assets (5+ years) $2,279
Average Assets, year-to-date $167,270
Average Assets, quarterly $13,320
Volatile liabilities $173,168
Insider loans $173,731
FHLB advances $141,094
Loans and leases held for sale $175,918
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $20,578
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $17,580
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,036
Total interest expense $2,310
Net interest income $7,726
Provision for loan and lease losses $2,280
Total noninterest income $1,253
Fiduciary activities $0
Service charges on deposit accounts $542
Trading account gains & fees $0
Additional noninterest income $711
Total noninterest expense $4,593
Salaries and employee benefits $2,454
Premises and equipment expense $561
Additional noninterest expense $1,578
Pre-tax net operating income $2,106
Securities gains (losses) $0
Applicable income taxes $789
Income before extraordinary items $1,317
Extraordinary gains - net $0
Net income attributable to bank $1,317
Net charge-offs $0
Cash dividends $1,317
Sale, conversion, retirement of capital stock, net $1,542
Net operating income $620
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.15%
Cost of funding earning assets 1.42%
Net interest margin 4.73%
Noninterest income to earning assets 0.77%
Noninterest expense to earning assets 2.81%
Net operating income to assets 0.76%
Return on assets (ROA) 0.76%
Pretax return on assets 1.22%
Return on equity (ROE) 6.49%
Retained earnings to average equity (YTD only) 3.44%
Net charge-offs to loans 1.03%
Credit loss provision to net charge-offs 147.86%
Efficiency ratio2.84%
Assets per employee$51,153
Cash dividends to net income (YTD only)6.55%
Condition Ratios (%)
Loss allowance to loans 47.08%
Loss allowance to noncurrent loans 3.47%
Noncurrent assets plus other real estate owned to assets 107.62%
Noncurrent loans to loans 2.73%
Net loans and leases to deposits3.23%
Net loans and leases to core deposits 95.54%
Equity capital to assets 123.47%
Core capital (leverage) ratio 11.67%
Tier 1 risk-based capital ratio 11.70%
Total risk-based capital ratio 14.58%
Average assets$16
Average earning assets$173,168
Average equity $20,278
Average loans $163,174
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1 Georgia Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
080023United National Bank722 N Broad St, Cairo, GA 39828May 26, 2000Full Service Brick and Mortar
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