The Union National Bank of Mount Carmel in city_name, state_name

The Union National Bank of Mount Carmel in Mount Carmel, Pennsylvania (PA)
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The Union National Bank of Mount Carmel routing number info

The Union National Bank of Mount Carmel - Overview

General
FDIC Certificate #: 7631
Status: Active
Federal Reserve ID: 249416
Bank Holding Company (Regulatory Top Holder): Unb Corp (RSSDID: 1249945, Location: Mount Carmel, PA)
Date Established: January 01, 1906
WWW: http://www.unbmountcarmel.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 11140
FDIC's unique #: 4947
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: January 01, 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: Third And Oak Streets, Mount Carmel, PA 17851
County: Northumberland
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Harrisburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Combined Statistical Area (CSA): Sunbury-Lewisburg-Selinsgrove, PA (#526)
Core Based Statistical Area (CBSA): Sunbury, PA (#44980)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $131.5 mil
Equity capital: $12.9 mil
Deposits held in domestic offices: $117.0 mil
Return on assets (ROA): 0.60% ($0.8 mil)
Quarterly return on assets: 0.50% ($0.7 mil)
Return on Equity (ROE): 6.43% ($0.8 mil)
Quarterly return on equity: 5.13% ($0.7 mil)
Net income: $0.8 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.68% ($894.0 mil)
Quarterly Pretax return on assets: 0.65% ($854.6 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
35Total employees (full-time equivalent)
$131,472Total assets
$2,500Cash and due from depository institutions
$6Interest-bearing balances
$41,318Securities
$0Federal funds sold & reverse repurchase agreements
$80,991Net loans & leases
$813Loan loss allowance
$0Trading account assets
$2,635Bank premises and fixed assets
$105Other real estate owned
$0Goodwill and other intangibles
$131,472Life insurance assets
$3,923All other assets
$118,618Total liabilities and capital
$116,973Total liabilities
$100,765Total deposits
$116,973Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$108Trading liabilities
$0Other borrowed funds
$1,537Subordinated debt
$12,854All other liabilities
$12,854Total equity capital
$12,854Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$1,631Surplus
$10,923Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$506Income earned, not collected on loans
$0Earning assets
$395Long-term assets (5+ years)
$122,315Average Assets, year-to-date
$92,335Average Assets, quarterly
$130,345Volatile liabilities
$131,866Insider loans
$68,861FHLB advances
$131,186Loans and leases held for sale
$2,589Unused loan commitments
$290Tier 1 (core) risk-based capital
$11,978Tier 2 risk-based capital
$0Total risk weighted assets
$2,299Total unused commitments
$4,064Restructured Loans and leases
$770Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,700Total interest income
$1,901Total interest expense
$3,799Net interest income
$139Provision for loan and lease losses
$621Total noninterest income
$25Fiduciary activities
$321Service charges on deposit accounts
$0Trading account gains & fees
$275Additional noninterest income
$3,490Total noninterest expense
$1,726Salaries and employee benefits
$454Premises and equipment expense
$1,310Additional noninterest expense
$791Pre-tax net operating income
$93Securities gains (losses)
$99Applicable income taxes
$785Income before extraordinary items
$0Extraordinary gains - net
$785Net income attributable to bank
$0Net charge-offs
$785Cash dividends
$56Sale, conversion, retirement of capital stock, net
$219Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.65%Yield on earning assets
1.55%Cost of funding earning assets
3.10%Net interest margin
0.51%Noninterest income to earning assets
2.84%Noninterest expense to earning assets
0.54%Net operating income to assets
0.60%Return on assets (ROA)
0.68%Pretax return on assets
6.43%Return on equity (ROE)
4.63%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
248.21%Credit loss provision to net charge-offs
16.61%Efficiency ratio
78,959Assets per employee
3.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
27.90%Loss allowance to loans
0.99%Loss allowance to noncurrent loans
160.67%Noncurrent assets plus other real estate owned to assets
0.46%Noncurrent loans to loans
0.62%Net loans and leases to deposits
69.24%Net loans and leases to core deposits
69.69%Equity capital to assets
9.78%Core capital (leverage) ratio
9.13%Tier 1 risk-based capital ratio
17.39%Total risk-based capital ratio
Memoranda
$19Average assets
$130,345Average earning assets
$12,216Average equity
$122,677Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$3,838Managed Assets
1Number of Accounts
$3,208Personal trust and agency accounts
$3,208Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
22Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$630Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

2 Pennsylvania Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	4947	The Union National Bank Of Mount Car	Third And Oak Streets, Mount Carmel, PA 17851	January 01, 1906	Full Service Brick and Mortar
1	216158	Numidia Branch	1071 Numidia Drive, Catawissa, PA 17820	March 06, 1995	Full Service Brick and Mortar

The Union National Bank of Mount Carmel in Mount Carmel, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Union National Bank of Mount Carmel - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

The Union National Bank of Mount Carmel in Mount Carmel, Pennsylvania (PA)Overview, Financial Summary, Detailed Financial Reports, Branches

The Union National Bank of Mount Carmel - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

The Union National Bank of Mount Carmel in Mount Carmel, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches