Unity Bank in city_name, state_name - Detailed Financial Reports, Location

Unity Bank in Augusta, Wisconsin (WI)
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Unity Bank routing number info

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

No	ID	Name	Address	Established	Service Type	Map
0	5547	Unity Bank	207 West Lincoln, Augusta, WI 54722	December 01, 1914	Full Service Brick and Mortar
1	444135	Branch Office Branch	103 E Lincoln Ave, Fall Creek, WI 54742	April 25, 2005	Full Service Brick and Mortar

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

Unity Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

Unity Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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