United National Bank in Cairo, Georgia (GA)



Show street view No street view available for this location

United National Bank routing number info

Table of contents:
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
Securities$5,627
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
Surplus$3,861
Undivided profits $12,893
Memoranda
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
Derivatives$3,127
Back to page top, Back to table top

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
Back to page top, Back to table top

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%
Memoranda
Average assets$16
Average earning assets$173,168
Average equity $20,278
Average loans $163,174
Back to page top, Back to table top

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
Back to page top

User Contributions:

Comment about this bank, ask questions, or add new information about it:

CAPTCHA


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with United National Bank.
Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.