UniBank for Savings in city_name, state_name - Detailed Financial Reports, Location

UniBank for Savings in Whitinsville, Massachusetts (MA)
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UniBank for Savings routing number info

UniBank for Savings - Overview

General
FDIC Certificate #: 90290
Status: Active
Federal Reserve ID: 709602
Bank Holding Company (Regulatory Top Holder): Ufs Bancorp (RSSDID: 2465519, Location: Whitinsville, MA)
Date Established: June 03, 1870
WWW: http://www.unibank.com
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 8 (Domestic: 8, Interstate: No)
OTS Docket #: 12555
FDIC's unique #: 17879
Numeric code: 41
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization > 1 Billion
Date of Deposit Insurance: September 10, 1985
Last Structure Change Effective Date: March 03, 2008
Last Structure Change Process Date: March 03, 2008
Last Data Update: March 03, 2008
Data Source Date: April 05, 2012
Location
Address: 49 Church Street, Whitinsville, MA 1588
County: Worcester
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Springfield Ma
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Combined Statistical Area (CSA): Boston-Worcester-Manchester, MA-RI-NH (#148)
Core Based Statistical Area (CBSA): Worcester, MA (#49340)
CBSA Metro Statistical Area: Worcester, MA (#49340)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $1,263.1 mil
Equity capital: $90.7 mil
Deposits held in domestic offices: $1,151.5 mil
Return on assets (ROA): 0.59% ($7.5 mil)
Quarterly return on assets: 0.30% ($3.8 mil)
Return on Equity (ROE): 8.09% ($7.4 mil)
Quarterly return on equity: 4.02% ($3.7 mil)
Net income: $7.0 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 0.93% ($11,747.0 mil)
Quarterly Pretax return on assets: 0.44% ($5,557.7 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
174Total employees (full-time equivalent)
$1,263,118Total assets
$136,115Cash and due from depository institutions
$130,692Interest-bearing balances
$459,200Securities
$742Federal funds sold & reverse repurchase agreements
$624,673Net loans & leases
$5,570Loan loss allowance
$0Trading account assets
$16,691Bank premises and fixed assets
$68Other real estate owned
$665Goodwill and other intangibles
$1,263,118Life insurance assets
$24,964All other assets
$1,172,400Total liabilities and capital
$1,151,452Total liabilities
$1,100,873Total deposits
$1,151,452Interest-bearing deposits
$47Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$20,948Subordinated debt
$90,718All other liabilities
$90,718Total equity capital
$90,718Total bank equity capital
$0Perpetual preferred stock
$13,740Common stock
$0Surplus
$76,978Undivided profits
Memoranda
$0Noncurrent loans and leases
$674Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,579Income earned, not collected on loans
$0Earning assets
$3,642Long-term assets (5+ years)
$1,215,307Average Assets, year-to-date
$533,029Average Assets, quarterly
$1,176,873Volatile liabilities
$1,216,613Insider loans
$699,247FHLB advances
$1,143,752Loans and leases held for sale
$7,865Unused loan commitments
$7,865Tier 1 (core) risk-based capital
$87,990Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$129,595Restructured Loans and leases
$5,912Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$39,262Total interest income
$5,457Total interest expense
$33,805Net interest income
$1,275Provision for loan and lease losses
$7,631Total noninterest income
$0Fiduciary activities
$1,496Service charges on deposit accounts
$0Trading account gains & fees
$6,135Additional noninterest income
$29,258Total noninterest expense
$16,605Salaries and employee benefits
$4,205Premises and equipment expense
$8,448Additional noninterest expense
$10,903Pre-tax net operating income
$69Securities gains (losses)
$4,012Applicable income taxes
$6,960Income before extraordinary items
$0Extraordinary gains - net
$6,960Net income attributable to bank
$0Net charge-offs
$6,960Cash dividends
$710Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.49%Yield on earning assets
0.49%Cost of funding earning assets
3.01%Net interest margin
0.68%Noninterest income to earning assets
2.60%Noninterest expense to earning assets
0.59%Net operating income to assets
0.59%Return on assets (ROA)
0.93%Pretax return on assets
8.09%Return on equity (ROE)
8.09%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
179.58%Credit loss provision to net charge-offs
17.15%Efficiency ratio
70,610Assets per employee
7.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.88%Loss allowance to noncurrent loans
121.64%Noncurrent assets plus other real estate owned to assets
0.37%Noncurrent loans to loans
0.73%Net loans and leases to deposits
54.25%Net loans and leases to core deposits
56.03%Equity capital to assets
7.18%Core capital (leverage) ratio
7.69%Tier 1 risk-based capital ratio
12.58%Total risk-based capital ratio
Memoranda
$13Average assets
$1,176,873Average earning assets
$86,063Average equity
$1,124,934Average loans

List of branches

8 Massachusetts Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	17879	Unibank For Savings	49 Church Street, Whitinsville, MA 1588	June 03, 1870	Full Service Brick and Mortar
1	291508	Douglas Branch	4 Mechanic Street, East Douglas, MA 1516	June 03, 1870	Full Service Brick and Mortar
2	193766	North Main Street Branch	25 North Main Street, Uxbridge, MA 1569	April 18, 1960	Full Service Brick and Mortar
4	291564	Blackstone Branch	10 Cheney Street, Blackstone, MA 1504	November 15, 1966	Full Service Brick and Mortar
5	291509	Upton Branch	113 Main Street, Upton, MA 1568	October 24, 1994	Full Service Brick and Mortar
7	366337	Sutton Branch	156 Worcester/Providence Turnpike, Sutton, MA 1590	Febuary 03, 2003	Full Service Brick and Mortar
8	427036	Whitinsville Plaza Branch	1189 Providence Road, Whitinsville, MA 1588	April 05, 2004	Full Service Brick and Mortar
9	489398	Milford Branch	91 Prospect Street, Milford, MA 1757	March 09, 2009	Full Service Brick and Mortar

UniBank for Savings in Whitinsville, Massachusetts (MA)
Overview, Financial Summary, Detailed Financial Reports, Branches

UniBank for Savings - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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UniBank for Savings in Whitinsville, Massachusetts (MA)Overview, Financial Summary, Detailed Financial Reports, Branches

UniBank for Savings - 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:

UniBank for Savings in Whitinsville, Massachusetts (MA)
Overview, Financial Summary, Detailed Financial Reports, Branches