United Community Bank in Lawrenceburg, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • United Community Bank in Lawrenceburg, Indiana (IN)
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United Community Bank - Overview

  • General
  • FDIC Certificate #: 29620
    Status: Active
    Federal Reserve ID: 88772
    Date Established: January 01, 1914
    WWW: http://www.bankucb.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 3767
    FDIC's unique #: 42454
    Numeric code: 33
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: April 28, 1936
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 92 Walnut Street, Lawrenceburg, IN 47025
    County: Dearborn
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $468.7 mil
    Equity capital: $51.0 mil
    Deposits held in domestic offices: $412.1 mil
    Return on assets (ROA): 0.06% ($0.3 mil)
    Quarterly return on assets: 0.50% ($2.3 mil)
    Return on Equity (ROE): 0.56% ($0.3 mil)
    Quarterly return on equity: 4.59% ($2.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.02% ($93.7 mil)
    Quarterly Pretax return on assets: 0.69% ($3,234.3 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
  • 109Total employees (full-time equivalent)
  • $468,746Total assets
  • $19,449Cash and due from depository institutions
  • $17,295Interest-bearing balances
  • $126,240Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $286,082Net loans & leases
  • $4,064Loan loss allowance
  • $0Trading account assets
  • $7,277Bank premises and fixed assets
  • $645Other real estate owned
  • $4,010Goodwill and other intangibles
  • $468,746Life insurance assets
  • $25,043All other assets
  • $417,704Total liabilities and capital
  • $412,137Total liabilities
  • $389,968Total deposits
  • $412,137Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,055Trading liabilities
  • $0Other borrowed funds
  • $2,512Subordinated debt
  • $51,042All other liabilities
  • $51,042Total equity capital
  • $51,042Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $17,422Surplus
  • $33,620Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,838Income earned, not collected on loans
  • $0Earning assets
  • $1,845Long-term assets (5+ years)
  • $429,617Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $475,463Volatile liabilities
  • $472,179Insider loans
  • $277,545FHLB advances
  • $464,741Loans and leases held for sale
  • $10,136Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $47,037Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $27,814Restructured Loans and leases
  • $2,438Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,281Total interest income
  • $4,920Total interest expense
  • $14,361Net interest income
  • $6,598Provision for loan and lease losses
  • $3,131Total noninterest income
  • $0Fiduciary activities
  • $91Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,040Additional noninterest income
  • $11,900Total noninterest expense
  • $6,723Salaries and employee benefits
  • $2,359Premises and equipment expense
  • $2,818Additional noninterest expense
  • -$1,006Pre-tax net operating income
  • $1,102Securities gains (losses)
  • -$185Applicable income taxes
  • $281Income before extraordinary items
  • $0Extraordinary gains - net
  • $281Net income attributable to bank
  • $0Net charge-offs
  • $281Cash dividends
  • $5,637Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.38%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 3.26%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 2.70%Noninterest expense to earning assets
  • -0.17%Net operating income to assets
  • 0.06%Return on assets (ROA)
  • 0.02%Pretax return on assets
  • 0.56%Return on equity (ROE)
  • 0.56%Retained earnings to average equity (YTD only)
  • 1.92%Net charge-offs to loans
  • 117.05%Credit loss provision to net charge-offs
  • 0.99%Efficiency ratio
  • 66,682Assets per employee
  • 4.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 27.39%Noncurrent assets plus other real estate owned to assets
  • 3.30%Noncurrent loans to loans
  • 5.11%Net loans and leases to deposits
  • 69.41%Net loans and leases to core deposits
  • 76.48%Equity capital to assets
  • 10.89%Core capital (leverage) ratio
  • 10.12%Tier 1 risk-based capital ratio
  • 16.95%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $475,463Average earning assets
  • $50,314Average equity
  • $440,587Average loans

List of branches

  • 9 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042454United Community Bank92 Walnut Street, Lawrenceburg, IN 47025January 01, 1914Full Service Brick and Mortar
    141461Eads Parkway Branch215 Eads Parkway, Lawrenceburg, IN 47025January 01, 1894Full Service Brick and Mortar
    2359114Bielby Branch447 Bielby Road, Lawrenceburg, IN 47025November 15, 1999Full Service Brick and Mortar
    3446228Stateline Road Branch19710 State Line Road, Lawrenceburg, IN 47025January 15, 2001Full Service Brick and Mortar
    4463836Aurora Branch500 Green Blvd, Aurora, IN 47001July 01, 2005Full Service Brick and Mortar
    6495465St. Leon Branch7600 Frey Road, West Harrison, IN 47060June 30, 2009Full Service Brick and Mortar
    7221814Milan Branch106 Mill Street, Milan, IN 47031March 01, 1989Full Service Brick and Mortar
    8221813Versailles Branch111 East Us 50, Versailles, IN 47042June 06, 1983Full Service Brick and Mortar
    96453Osgood Branch420 South Buckeye, Osgood, IN 47037January 01, 1887Full Service Brick and Mortar

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