United Fidelity Bank, fsb in Evansville, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • United Fidelity Bank, fsb in Evansville, Indiana (IN)
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United Fidelity Bank, fsb - Overview

  • General
  • FDIC Certificate #: 29566
    Status: Active
    Federal Reserve ID: 391575
    Date Established: January 01, 1931
    WWW: http://www.unitedfidelity.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 3676
    FDIC's unique #: 42400
    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: March 21, 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: 18 Nw Fourth Street, Evansville, IN 47708
    County: Vanderburgh
    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): Evansville-Henderson, IN-KY (#2440)
    Core Based Statistical Area (CBSA): Evansville, IN-KY (#21780)
    CBSA Metro Statistical Area: Evansville, IN-KY (#21780)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $180.8 mil
    Equity capital: $21.1 mil
    Deposits held in domestic offices: $125.0 mil
    Return on assets (ROA): 0.31% ($0.6 mil)
    Quarterly return on assets: 0.08% ($0.1 mil)
    Return on Equity (ROE): 2.90% ($0.6 mil)
    Quarterly return on equity: 0.70% ($0.1 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.50% ($903.8 mil)
    Quarterly Pretax return on assets: 0.13% ($235.0 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
  • 52Total employees (full-time equivalent)
  • $180,754Total assets
  • $8,480Cash and due from depository institutions
  • $3,647Interest-bearing balances
  • $61,352Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $77,740Net loans & leases
  • $2,211Loan loss allowance
  • $0Trading account assets
  • $3,914Bank premises and fixed assets
  • $9,952Other real estate owned
  • $951Goodwill and other intangibles
  • $180,754Life insurance assets
  • $18,365All other assets
  • $159,680Total liabilities and capital
  • $124,985Total liabilities
  • $103,159Total deposits
  • $124,985Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $29,800Trading liabilities
  • $4,000Other borrowed funds
  • $895Subordinated debt
  • $21,074All other liabilities
  • $21,074Total equity capital
  • $21,074Total bank equity capital
  • $0Perpetual preferred stock
  • $843Common stock
  • $21,259Surplus
  • $-1,028Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,960Income earned, not collected on loans
  • $0Earning assets
  • $816Long-term assets (5+ years)
  • $142,739Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $198,089Volatile liabilities
  • $187,692Insider loans
  • $97,074FHLB advances
  • $177,550Loans and leases held for sale
  • $3,886Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,870Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,038Restructured Loans and leases
  • $242Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,076Total interest income
  • $2,127Total interest expense
  • $5,949Net interest income
  • $600Provision for loan and lease losses
  • $1,853Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,853Additional noninterest income
  • $6,222Total noninterest expense
  • $3,076Salaries and employee benefits
  • $1,219Premises and equipment expense
  • $1,927Additional noninterest expense
  • $980Pre-tax net operating income
  • $13Securities gains (losses)
  • $372Applicable income taxes
  • $621Income before extraordinary items
  • $0Extraordinary gains - net
  • $621Net income attributable to bank
  • $0Net charge-offs
  • $621Cash dividends
  • $1,249Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 1.33%Cost of funding earning assets
  • 3.71%Net interest margin
  • 1.16%Noninterest income to earning assets
  • 3.88%Noninterest expense to earning assets
  • 0.31%Net operating income to assets
  • 0.31%Return on assets (ROA)
  • 0.50%Pretax return on assets
  • 2.90%Return on equity (ROE)
  • 2.90%Retained earnings to average equity (YTD only)
  • 1.46%Net charge-offs to loans
  • 48.04%Credit loss provision to net charge-offs
  • 1.27%Efficiency ratio
  • 79,749Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.77%Loss allowance to noncurrent loans
  • 55.83%Noncurrent assets plus other real estate owned to assets
  • 5.15%Noncurrent loans to loans
  • 4.95%Net loans and leases to deposits
  • 62.20%Net loans and leases to core deposits
  • 73.37%Equity capital to assets
  • 11.66%Core capital (leverage) ratio
  • 10.06%Tier 1 risk-based capital ratio
  • 18.41%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $198,089Average earning assets
  • $21,405Average equity
  • $160,264Average loans

List of branches

  • 6 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042400United Fidelity Bank, Fsb18 Nw Fourth Street, Evansville, IN 47708January 01, 1931Full Service Brick and Mortar
    1275563700 S Green River Road Branch700 South Green River Road, Evansville, IN 47715January 01, 1931Full Service Brick and Mortar
    22755644441 First Ave Branch4441 First Avenue, Evansville, IN 47710January 01, 1931Full Service Brick and Mortar
    100275565West Lloyd Expressway Branch4801 West Lloyd Expressway, Evansville, IN 47712January 01, 1931Full Service Brick and Mortar
    104446137Newburgh Branch8533 Bell Oaks Drive, Newburgh, IN 47630March 19, 2001Full Service Brick and Mortar
    1055180914th St Branch500 E 4th St, Mount Vernon, IN 47620August 18, 2008Full Service Brick and Mortar

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