Vitals
  • Total Assets
    102.6M -13.2 %
  • Total Deposits
    79.4M -9.4 %
  • Total Net Loans
    70.2M -24.1 %
  • Net Income
  • Book Value
    17.8M 107.5 %
  • Book Value x2
    35.5M 107.5 %
  • Book Value x3
    53.3M 107.5 %
ROAA

ROAE

Efficiency Ratio

182.661

Net Interest Margin

1.324

Balance Sheet Highlights
Financial Highlights United Bank & Trust Company All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 102,612 223,959
Total Net Loans 70,217 168,343
Total Deposits 79,396 183,050
Total Equity 17,754 22,029
Profitability
Net Income — 5,827
Return on Average Assets — .996
Return on Average Equity — 9.535
Net Interest Margin 1.324 3.593
Efficiency Ratio 182.661 82.103
Noninterest Income/Revenue 3.587 16.558
Balance Sheet Ratios
Loan-to-Deposit 88.439 88.15
Securities/Assets .082 .193
Total Equity/Total Assets .173 .098
Tangible Equity/Tangible Assets .091 -.751
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 9,391 20,678
Tier 2 Capital 1,065 2,304
Total Capital 10,456 22,936
Total Risk Weighted Assets 78,366 180,273
Leverage Ratio 10.36 10.241
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 11.98 13.04
Total Capital Ratio 13.34 14.21

Timeline for United Bank & Trust Company

Suntrust Bank

United Bank & Trust Company was acquired by Suntrust Bank 15 years

View Profile Jul 25 2008

Suntrust Banks, Inc.

Suntrust Banks, Inc. became a new parent organization for United Bank & Trust Company.

View Profile May 01 2008

Gb&T Bancshares, Inc.

Gb&T Bancshares, Inc. became a new parent organization for United Bank & Trust Company.

View Profile Mar 01 2000

Ub&T Financial Services Corporation

Ub&T Financial Services Corporation became a new parent organization for United Bank & Trust Company.

View Profile Sep 01 1998

United Bank & Trust Company

United Bank & Trust Company was established 34 years ago and is currently headquartered in Rockmart, GA.

Jan 16 1990
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Suntrust Bank Buyer 200,200,764 Pooling of Interests Discontinued 7/25/2008
Relationships Role Relationship Start Relationship End
Suntrust Banks, Inc. Parent 5/1/2008 7/24/2008
Gb&T Bancshares, Inc. Parent 3/1/2000 4/30/2008
Ub&T Financial Services Corporation Parent 9/1/1998 2/29/2000
Similar Organizations
Organization City State Total Assets
Pioneer State Bank
 		Earlville IL 102.7M
Merit Bank
 		Overland Park KS 102.1M
New Jersey Community Bank
 		Freehold NJ 101.9M
Williamsville State Bank & Trust
 		Williamsville IL 103.4M
The Tri-County Bank
 		Stuart NE 103.8M
Farmers State Bank
 		Algona IA 104.0M
Oklahoma Heritage Bank
 		Roff OK 100.8M
Redstone Bank
 		Centennial CO 104.5M
First Central Bank
 		Cambridge NE 100.7M
American Founders Bank, Inc.
 		Louisville KY 99.9M