United Savings Bank in Lebanon, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 18, 1995

  • United Savings Bank in Lebanon, Missouri (MO)
  • Show street view No street view available for this location

United Savings Bank - Overview

  • General
  • FDIC Certificate #: 28607
    Status: Inactive
    Closing history: Office Sold
    Acquiring institution: Mercantile Bank of Lebanon (#34024)
    Federal Reserve ID: 333977
    Date Established: January 01, 1924
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 1939
    FDIC's unique #: 41441
    Numeric code: 35
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 25, 1936
    Last Structure Change Effective Date: May 18, 1995
    Last Structure Change Process Date: June 01, 1995
    Last Data Update: June 01, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: Jefferson At 2nd, Lebanon, MO 65536
    County: Laclede
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Lebanon, MO (#30060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
    Corrections
    Office Sold
  • Financial Summary
  • Total assets: $510.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $184Total assets
  • $508,475Cash and due from depository institutions
  • $30,638Interest-bearing balances
  • $28,104Securities
  • $9,754Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $454,348Loan loss allowance
  • $5,621Trading account assets
  • $0Bank premises and fixed assets
  • $5,884Other real estate owned
  • $87Goodwill and other intangibles
  • $7,620Life insurance assets
  • $144All other assets
  • $0Total liabilities and capital
  • $508,475Total liabilities
  • $482,507Total deposits
  • $386,824Interest-bearing deposits
  • $374,720Deposits held in domestic offices
  • 386824.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $90,000Subordinated debt
  • $0All other liabilities
  • $5,683Total equity capital
  • $5,683Total bank equity capital
  • $25,968Perpetual preferred stock
  • $0Common stock
  • $97Surplus
  • $7,306Undivided profits
  • Memoranda
  • $18,565Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,283Income earned, not collected on loans
  • $2,043Earning assets
  • $492,206Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $467,331Average Assets, quarterly
  • $498,656Volatile liabilities
  • $117,133Insider loans
  • $220FHLB advances
  • $90,000Loans and leases held for sale
  • $0Unused loan commitments
  • $5,181Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $25,169Total risk weighted assets
  • $285,718Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $29,870Total interest expense
  • $16,656Net interest income
  • $13,214Provision for loan and lease losses
  • $3,920Total noninterest income
  • $2,549Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $2,549Total noninterest expense
  • $11,067Salaries and employee benefits
  • $5,995Premises and equipment expense
  • $2,132Additional noninterest expense
  • $2,940Pre-tax net operating income
  • $776Securities gains (losses)
  • $0Applicable income taxes
  • $4,037Income before extraordinary items
  • -$3,261Extraordinary gains - net
  • $0Net income attributable to bank
  • -$3,261Net charge-offs
  • $1,869Cash dividends
  • $2,964Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.61%Cost of funding earning assets
  • 3.68%Net interest margin
  • 2.92%Noninterest income to earning assets
  • 0.56%Noninterest expense to earning assets
  • 2.45%Net operating income to assets
  • -0.70%Return on assets (ROA)
  • -0.70%Pretax return on assets
  • 0.17%Return on equity (ROE)
  • -10.53%Retained earnings to average equity (YTD only)
  • -20.11%Net charge-offs to loans
  • 0.44%Credit loss provision to net charge-offs
  • 209.74%Efficiency ratio
  • 69,828Assets per employee
  • 2.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -90.89%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 131.24%Noncurrent assets plus other real estate owned to assets
  • 0.86%Noncurrent loans to loans
  • 0.93%Net loans and leases to deposits
  • 117.46%Net loans and leases to core deposits
  • 126.32%Equity capital to assets
  • 5.11%Core capital (leverage) ratio
  • 4.96%Tier 1 risk-based capital ratio
  • 8.81%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $467,331Average earning assets
  • $30,961Average equity
  • $452,038Average loans

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