Unity Savings Bank in Mcarthur, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 1997

Unity Savings Bank in Mcarthur, Ohio (OH)
Show street view No street view available for this location

Unity Savings Bank - Overview

General
FDIC Certificate #: 28234
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Oak Hill Banks (#10666)
Federal Reserve ID: 693475
Date Established: January 01, 1889
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 4 (Interstate: No)
OTS Docket #: 1194
FDIC's unique #: 41068
Numeric code: 41
Regulator: FDIC
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: May 21, 1956
Last Structure Change Effective Date: October 01, 1997
Last Structure Change Process Date: November 17, 1997
Last Data Update: November 17, 1997
Data Source Date: April 05, 2012
Location
Address: 115 West Main Street, Mcarthur, OH 45651
County: Vinton
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Columbus
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Financial Summary
Total assets: $63.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$21Total assets
$65,142Cash and due from depository institutions
$1,408Interest-bearing balances
$244Securities
$14,200Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$47,246Loan loss allowance
$298Trading account assets
$0Bank premises and fixed assets
$1,134Other real estate owned
$24Goodwill and other intangibles
$1,121Life insurance assets
$9All other assets
$0Total liabilities and capital
$65,142Total liabilities
$57,756Total deposits
$49,057Interest-bearing deposits
$48,882Deposits held in domestic offices
49057.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$7,989Subordinated debt
$0All other liabilities
$710Total equity capital
$710Total bank equity capital
$7,386Perpetual preferred stock
$0Common stock
$93Surplus
$0Undivided profits
Memoranda
$7,293Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$194Income earned, not collected on loans
$228Earning assets
$61,690Long-term assets (5+ years)
$32,703Average Assets, year-to-date
$60,716Average Assets, quarterly
$64,007Volatile liabilities
$10,198Insider loans
$25FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$730Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$7,413Total risk weighted assets
$35,173Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$5,008Total interest expense
$2,731Net interest income
$2,277Provision for loan and lease losses
$99Total noninterest income
$180Fiduciary activities
$0Service charges on deposit accounts
$62Trading account gains & fees
$0Additional noninterest income
$118Total noninterest expense
$1,636Salaries and employee benefits
$664Premises and equipment expense
$144Additional noninterest expense
$828Pre-tax net operating income
$722Securities gains (losses)
$7Applicable income taxes
$226Income before extraordinary items
$503Extraordinary gains - net
$0Net income attributable to bank
$503Net charge-offs
$40Cash dividends
$187Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.75%Cost of funding earning assets
4.77%Net interest margin
3.98%Noninterest income to earning assets
0.31%Noninterest expense to earning assets
2.86%Net operating income to assets
0.82%Return on assets (ROA)
0.83%Pretax return on assets
1.20%Return on equity (ROE)
6.96%Retained earnings to average equity (YTD only)
4.37%Net charge-offs to loans
0.09%Credit loss provision to net charge-offs
247.50%Efficiency ratio
66,382Assets per employee
3.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
37.18%Loss allowance to loans
0.63%Loss allowance to noncurrent loans
153.61%Noncurrent assets plus other real estate owned to assets
0.33%Noncurrent loans to loans
0.41%Net loans and leases to deposits
96.31%Net loans and leases to core deposits
109.06%Equity capital to assets
11.34%Core capital (leverage) ratio
11.61%Tier 1 risk-based capital ratio
21.08%Total risk-based capital ratio
Memoranda
$22Average assets
$60,716Average earning assets
$7,232Average equity
$57,227Average loans

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Unity Savings 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.