FDIC Certificate #: 35427 Status: Active Federal Reserve ID: 2914727 Date Established: May 26, 2000 WWW:http://www.unbonline.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 80023 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: May 26, 2000 Last Structure Change Effective Date: July 13, 2007 Last Structure Change Process Date: September 07, 2007 Last Data Update: September 07, 2007 Data Source Date: April 05, 2012
Location
Address: 722 N Broad St, Cairo, GA 39828 County: Grady Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Albany Ga Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast
History of Changes
Change in Location
Financial Summary
Total assets: $176.7 mil Equity capital: $20.6 mil Deposits held in domestic offices: $148.7 mil Return on assets (ROA): 0.76% ($1.3 mil) Quarterly return on assets: 0.04% ($0.1 mil) Return on Equity (ROE): 6.49% ($1.4 mil) Quarterly return on equity: 0.31% ($0.1 mil) Net income: $1.3 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.22% ($2,155.9 mil) Quarterly Pretax return on assets: -0.51% (-$901.3 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
27Total employees (full-time equivalent)
$176,717Total assets
$20,170Cash and due from depository institutions
$19,577Interest-bearing balances
$5,627Securities
$0Federal funds sold & reverse repurchase agreements
$142,066Net loans & leases
$5,113Loan loss allowance
$0Trading account assets
$3,069Bank premises and fixed assets
$77Other real estate owned
$0Goodwill and other intangibles
$176,717Life insurance assets
$5,708All other assets
$156,089Total liabilities and capital
$148,699Total liabilities
$131,374Total deposits
$148,699Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,336Trading liabilities
$0Other borrowed funds
$1,054Subordinated debt
$20,628All other liabilities
$20,628Total equity capital
$20,628Total bank equity capital
$0Perpetual preferred stock
$3,874Common stock
$3,861Surplus
$12,893Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,751Income earned, not collected on loans
$155Earning assets
$2,279Long-term assets (5+ years)
$167,270Average Assets, year-to-date
$13,320Average Assets, quarterly
$173,168Volatile liabilities
$173,731Insider loans
$141,094FHLB advances
$175,918Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$20,578Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$17,580Restructured Loans and leases
$3,127Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$10,036Total interest income
$2,310Total interest expense
$7,726Net interest income
$2,280Provision for loan and lease losses
$1,253Total noninterest income
$0Fiduciary activities
$542Service charges on deposit accounts
$0Trading account gains & fees
$711Additional noninterest income
$4,593Total noninterest expense
$2,454Salaries and employee benefits
$561Premises and equipment expense
$1,578Additional noninterest expense
$2,106Pre-tax net operating income
$0Securities gains (losses)
$789Applicable income taxes
$1,317Income before extraordinary items
$0Extraordinary gains - net
$1,317Net income attributable to bank
$0Net charge-offs
$1,317Cash dividends
$1,542Sale, conversion, retirement of capital stock, net
$620Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.15%Yield on earning assets
1.42%Cost of funding earning assets
4.73%Net interest margin
0.77%Noninterest income to earning assets
2.81%Noninterest expense to earning assets
0.76%Net operating income to assets
0.76%Return on assets (ROA)
1.22%Pretax return on assets
6.49%Return on equity (ROE)
3.44%Retained earnings to average equity (YTD only)
1.03%Net charge-offs to loans
147.86%Credit loss provision to net charge-offs
2.84%Efficiency ratio
51,153Assets per employee
6.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
47.08%Loss allowance to loans
3.47%Loss allowance to noncurrent loans
107.62%Noncurrent assets plus other real estate owned to assets
2.73%Noncurrent loans to loans
3.23%Net loans and leases to deposits
95.54%Net loans and leases to core deposits
123.47%Equity capital to assets
11.67%Core capital (leverage) ratio
11.70%Tier 1 risk-based capital ratio
14.58%Total risk-based capital ratio
Memoranda
$16Average assets
$173,168Average earning assets
$20,278Average equity
$163,174Average loans
List of branches
1 Georgia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
80023
United National Bank
722 N Broad St, Cairo, GA 39828
May 26, 2000
Full Service Brick and Mortar
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 United National 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.
Comment about this bank, ask questions, or add new information about it: