United National Bank in Cairo, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


United National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 27Total employees (full-time equivalent)
  • $176,717Total assets
  • $20,170Cash and due from depository institutions
  • $19,577Interest-bearing balances
  • $5,627Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $142,066Net loans & leases
  • $5,113Loan loss allowance
  • $0Trading account assets
  • $3,069Bank premises and fixed assets
  • $77Other real estate owned
  • $0Goodwill and other intangibles
  • $176,717Life insurance assets
  • $5,708All other assets
  • $156,089Total liabilities and capital
  • $148,699Total liabilities
  • $131,374Total deposits
  • $148,699Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,336Trading liabilities
  • $0Other borrowed funds
  • $1,054Subordinated debt
  • $20,628All other liabilities
  • $20,628Total equity capital
  • $20,628Total bank equity capital
  • $0Perpetual preferred stock
  • $3,874Common stock
  • $3,861Surplus
  • $12,893Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,751Income earned, not collected on loans
  • $155Earning assets
  • $2,279Long-term assets (5+ years)
  • $167,270Average Assets, year-to-date
  • $13,320Average Assets, quarterly
  • $173,168Volatile liabilities
  • $173,731Insider loans
  • $141,094FHLB advances
  • $175,918Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,578Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,580Restructured Loans and leases
  • $3,127Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,036Total interest income
  • $2,310Total interest expense
  • $7,726Net interest income
  • $2,280Provision for loan and lease losses
  • $1,253Total noninterest income
  • $0Fiduciary activities
  • $542Service charges on deposit accounts
  • $0Trading account gains & fees
  • $711Additional noninterest income
  • $4,593Total noninterest expense
  • $2,454Salaries and employee benefits
  • $561Premises and equipment expense
  • $1,578Additional noninterest expense
  • $2,106Pre-tax net operating income
  • $0Securities gains (losses)
  • $789Applicable income taxes
  • $1,317Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,317Net income attributable to bank
  • $0Net charge-offs
  • $1,317Cash dividends
  • $1,542Sale, conversion, retirement of capital stock, net
  • $620Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.15%Yield on earning assets
  • 1.42%Cost of funding earning assets
  • 4.73%Net interest margin
  • 0.77%Noninterest income to earning assets
  • 2.81%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 6.49%Return on equity (ROE)
  • 3.44%Retained earnings to average equity (YTD only)
  • 1.03%Net charge-offs to loans
  • 147.86%Credit loss provision to net charge-offs
  • 2.84%Efficiency ratio
  • 51,153Assets per employee
  • 6.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.08%Loss allowance to loans
  • 3.47%Loss allowance to noncurrent loans
  • 107.62%Noncurrent assets plus other real estate owned to assets
  • 2.73%Noncurrent loans to loans
  • 3.23%Net loans and leases to deposits
  • 95.54%Net loans and leases to core deposits
  • 123.47%Equity capital to assets
  • 11.67%Core capital (leverage) ratio
  • 11.70%Tier 1 risk-based capital ratio
  • 14.58%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $173,168Average earning assets
  • $20,278Average equity
  • $163,174Average loans

List of branches

  • 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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