Unity Bank in Augusta, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Unity Bank in Augusta, Wisconsin (WI)
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Unity Bank - Overview

  • General
  • FDIC Certificate #: 8714
    Status: Active
    Federal Reserve ID: 443353
    Bank Holding Company (Regulatory Top Holder): Augusta Financial Corporation (RSSDID: 1122048, Location: Augusta, WI)
    Date Established: December 01, 1914
    WWW: http://www.unitybanking.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 5547
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 02, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 207 West Lincoln, Augusta, WI 54722
    County: Eau Claire
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Eau Claire, WI (#2290)
    Combined Statistical Area (CSA): Eau Claire-Menomonie, WI (#232)
    Core Based Statistical Area (CBSA): Eau Claire, WI (#20740)
    CBSA Metro Statistical Area: Eau Claire, WI (#20740)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $74.9 mil
    Equity capital: $8.5 mil
    Deposits held in domestic offices: $66.0 mil
    Return on assets (ROA): 1.33% ($1.0 mil)
    Quarterly return on assets: 1.33% ($1.0 mil)
    Return on Equity (ROE): 11.62% ($0.9 mil)
    Quarterly return on equity: 11.68% ($0.9 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.34% ($1,003.7 mil)
    Quarterly Pretax return on assets: 1.34% ($1,003.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 26Total employees (full-time equivalent)
  • $74,905Total assets
  • $4,676Cash and due from depository institutions
  • $1,780Interest-bearing balances
  • $8,065Securities
  • $4,500Federal funds sold & reverse repurchase agreements
  • $53,042Net loans & leases
  • $820Loan loss allowance
  • $0Trading account assets
  • $1,327Bank premises and fixed assets
  • $5Other real estate owned
  • $867Goodwill and other intangibles
  • $74,905Life insurance assets
  • $2,423All other assets
  • $66,413Total liabilities and capital
  • $66,032Total liabilities
  • $56,539Total deposits
  • $66,032Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5Trading liabilities
  • $0Other borrowed funds
  • $376Subordinated debt
  • $8,492All other liabilities
  • $8,492Total equity capital
  • $8,492Total bank equity capital
  • $0Perpetual preferred stock
  • $180Common stock
  • $2,149Surplus
  • $6,163Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $104Income earned, not collected on loans
  • $0Earning assets
  • $391Long-term assets (5+ years)
  • $67,387Average Assets, year-to-date
  • $3,074Average Assets, quarterly
  • $73,732Volatile liabilities
  • $74,787Insider loans
  • $56,205FHLB advances
  • $74,939Loans and leases held for sale
  • $1,668Unused loan commitments
  • $1,668Tier 1 (core) risk-based capital
  • $7,559Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,992Restructured Loans and leases
  • $693Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,618Total interest income
  • $630Total interest expense
  • $2,988Net interest income
  • $60Provision for loan and lease losses
  • $535Total noninterest income
  • $0Fiduciary activities
  • $204Service charges on deposit accounts
  • $0Trading account gains & fees
  • $331Additional noninterest income
  • $2,475Total noninterest expense
  • $1,363Salaries and employee benefits
  • $334Premises and equipment expense
  • $778Additional noninterest expense
  • $988Pre-tax net operating income
  • $0Securities gains (losses)
  • $5Applicable income taxes
  • $983Income before extraordinary items
  • $0Extraordinary gains - net
  • $983Net income attributable to bank
  • $0Net charge-offs
  • $983Cash dividends
  • $39Sale, conversion, retirement of capital stock, net
  • $908Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.45%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 4.50%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.73%Noninterest expense to earning assets
  • 1.33%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 11.62%Return on equity (ROE)
  • 0.89%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 153.85%Credit loss provision to net charge-offs
  • 26.87%Efficiency ratio
  • 70,253Assets per employee
  • 2.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 92.37%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 788.46%Noncurrent assets plus other real estate owned to assets
  • 0.15%Noncurrent loans to loans
  • 0.19%Net loans and leases to deposits
  • 80.33%Net loans and leases to core deposits
  • 81.34%Equity capital to assets
  • 11.34%Core capital (leverage) ratio
  • 10.09%Tier 1 risk-based capital ratio
  • 13.45%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $73,732Average earning assets
  • $8,462Average equity
  • $66,363Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05547Unity Bank207 West Lincoln, Augusta, WI 54722December 01, 1914Full Service Brick and Mortar
    1444135Branch Office Branch103 E Lincoln Ave, Fall Creek, WI 54742April 25, 2005Full Service Brick and Mortar

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