United Savings Bank in Ogden, Utah (UT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 24, 1997

  • United Savings Bank in Ogden, Utah (UT)
  • Show street view No street view available for this location

United Savings Bank - Overview

  • General
  • FDIC Certificate #: 30974
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Washington Mutual Bank (#9576)
    Federal Reserve ID: 782874
    Date Established: January 01, 1955
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 6197
    FDIC's unique #: 43808
    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: May 15, 1958
    Last Structure Change Effective Date: January 24, 1997
    Last Structure Change Process Date: Febuary 18, 1997
    Last Data Update: April 01, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 4185 Harrison Boulevard, Ogden, UT 84409
    County: Weber
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Salt Lake City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Salt Lake City-Ogden, UT (#7160)
    Combined Statistical Area (CSA): Salt Lake City-Ogden-Clearfield, UT (#482)
    Core Based Statistical Area (CBSA): Ogden-Clearfield, UT (#36260)
    CBSA Metro Statistical Area: Ogden-Clearfield, UT (#36260)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $405.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $400Total assets
  • $405,170Cash and due from depository institutions
  • $22,188Interest-bearing balances
  • $9,161Securities
  • $72,367Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $264,831Loan loss allowance
  • $8,102Trading account assets
  • $0Bank premises and fixed assets
  • $6,387Other real estate owned
  • $1,408Goodwill and other intangibles
  • $24,124Life insurance assets
  • $13,865All other assets
  • $0Total liabilities and capital
  • $405,170Total liabilities
  • $363,032Total deposits
  • $306,309Interest-bearing deposits
  • $287,189Deposits held in domestic offices
  • 306309.00%% insured (estimated)
  • $66Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $49,365Subordinated debt
  • $0All other liabilities
  • $7,358Total equity capital
  • $7,358Total bank equity capital
  • $42,138Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $470Undivided profits
  • Memoranda
  • $41,667Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,665Income earned, not collected on loans
  • $1,736Earning assets
  • $346,359Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $386,660Average Assets, quarterly
  • $405,102Volatile liabilities
  • $191,361Insider loans
  • $0FHLB advances
  • $49,069Loans and leases held for sale
  • $0Unused loan commitments
  • $86,518Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $40,096Total risk weighted assets
  • $265,605Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $27,680Total interest expense
  • $14,090Net interest income
  • $13,590Provision for loan and lease losses
  • $335Total noninterest income
  • $15,253Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $15,253Total noninterest expense
  • $23,982Salaries and employee benefits
  • $15,336Premises and equipment expense
  • $2,698Additional noninterest expense
  • $5,948Pre-tax net operating income
  • $4,526Securities gains (losses)
  • $5,956Applicable income taxes
  • $4,056Income before extraordinary items
  • $6,426Extraordinary gains - net
  • $0Net income attributable to bank
  • $6,426Net charge-offs
  • $628Cash dividends
  • $710Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.31%Cost of funding earning assets
  • 4.23%Net interest margin
  • 4.08%Noninterest income to earning assets
  • 4.58%Noninterest expense to earning assets
  • 7.20%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 1.66%Pretax return on assets
  • 2.71%Return on equity (ROE)
  • 16.51%Retained earnings to average equity (YTD only)
  • 14.68%Net charge-offs to loans
  • 0.24%Credit loss provision to net charge-offs
  • 53.34%Efficiency ratio
  • 82,963Assets per employee
  • 1.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 11.05%Loss allowance to loans
  • 2.97%Loss allowance to noncurrent loans
  • 205.43%Noncurrent assets plus other real estate owned to assets
  • 1.25%Noncurrent loans to loans
  • 1.35%Net loans and leases to deposits
  • 86.46%Net loans and leases to core deposits
  • 161.17%Equity capital to assets
  • 10.40%Core capital (leverage) ratio
  • 9.95%Tier 1 risk-based capital ratio
  • 15.10%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $386,660Average earning assets
  • $38,931Average equity
  • $333,239Average loans

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