United Savings Bank in Lebanon, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 18, 1995

United Savings Bank in Lebanon, Missouri (MO)
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United Savings Bank - Overview

General
FDIC Certificate #: 28607
Status: Inactive
Closing history: Office Sold
Acquiring institution: Mercantile Bank of Lebanon (#34024)
Federal Reserve ID: 333977
Date Established: January 01, 1924
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 1939
FDIC's unique #: 41441
Numeric code: 35
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
State Chartered: Yes
Date of Deposit Insurance: April 25, 1936
Last Structure Change Effective Date: May 18, 1995
Last Structure Change Process Date: June 01, 1995
Last Data Update: June 01, 1995
Data Source Date: April 05, 2012
Location
Address: Jefferson At 2nd, Lebanon, MO 65536
County: Laclede
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Springfield Mo
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Lebanon, MO (#30060)
CBSA Micro Statistical Area: Yes
History of Changes
Merger - Without Assistance
Corrections
Office Sold
Financial Summary
Total assets: $510.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$184Total assets
$508,475Cash and due from depository institutions
$30,638Interest-bearing balances
$28,104Securities
$9,754Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$454,348Loan loss allowance
$5,621Trading account assets
$0Bank premises and fixed assets
$5,884Other real estate owned
$87Goodwill and other intangibles
$7,620Life insurance assets
$144All other assets
$0Total liabilities and capital
$508,475Total liabilities
$482,507Total deposits
$386,824Interest-bearing deposits
$374,720Deposits held in domestic offices
386824.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$90,000Subordinated debt
$0All other liabilities
$5,683Total equity capital
$5,683Total bank equity capital
$25,968Perpetual preferred stock
$0Common stock
$97Surplus
$7,306Undivided profits
Memoranda
$18,565Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,283Income earned, not collected on loans
$2,043Earning assets
$492,206Long-term assets (5+ years)
$0Average Assets, year-to-date
$467,331Average Assets, quarterly
$498,656Volatile liabilities
$117,133Insider loans
$220FHLB advances
$90,000Loans and leases held for sale
$0Unused loan commitments
$5,181Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$25,169Total risk weighted assets
$285,718Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$29,870Total interest expense
$16,656Net interest income
$13,214Provision for loan and lease losses
$3,920Total noninterest income
$2,549Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$2,549Total noninterest expense
$11,067Salaries and employee benefits
$5,995Premises and equipment expense
$2,132Additional noninterest expense
$2,940Pre-tax net operating income
$776Securities gains (losses)
$0Applicable income taxes
$4,037Income before extraordinary items
-$3,261Extraordinary gains - net
$0Net income attributable to bank
-$3,261Net charge-offs
$1,869Cash dividends
$2,964Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.61%Cost of funding earning assets
3.68%Net interest margin
2.92%Noninterest income to earning assets
0.56%Noninterest expense to earning assets
2.45%Net operating income to assets
-0.70%Return on assets (ROA)
-0.70%Pretax return on assets
0.17%Return on equity (ROE)
-10.53%Retained earnings to average equity (YTD only)
-20.11%Net charge-offs to loans
0.44%Credit loss provision to net charge-offs
209.74%Efficiency ratio
69,828Assets per employee
2.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
-90.89%Loss allowance to loans
1.22%Loss allowance to noncurrent loans
131.24%Noncurrent assets plus other real estate owned to assets
0.86%Noncurrent loans to loans
0.93%Net loans and leases to deposits
117.46%Net loans and leases to core deposits
126.32%Equity capital to assets
5.11%Core capital (leverage) ratio
4.96%Tier 1 risk-based capital ratio
8.81%Total risk-based capital ratio
Memoranda
$10Average assets
$467,331Average earning assets
$30,961Average equity
$452,038Average loans

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