Vitals
  • Total Assets
    881.1M -2.8 %
  • Total Deposits
    772.5M -3.5 %
  • Total Net Loans
    646.8M 7.1 %
  • Net Income
    5.8M 38.1 %
  • Book Value
    89.4M -0.5 %
  • Book Value x2
    178.8M -0.5 %
  • Book Value x3
    268.2M -0.5 %
ROAA

1.291

ROAE

13.177

Efficiency Ratio

66.287

Net Interest Margin

3.954

Balance Sheet Highlights
Financial Highlights United Bank & Trust All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 881,061 270,023
Total Net Loans 646,808 176,929
Total Deposits 772,528 228,177
Total Equity 89,389 28,829
Profitability
Net Income 5,839 1,210
Return on Average Assets 1.291 .719
Return on Average Equity 13.177 6.941
Net Interest Margin 3.954 3.806
Efficiency Ratio 66.287 75.605
Noninterest Income/Revenue 32.914 19.922
Balance Sheet Ratios
Loan-to-Deposit 83.726 74.581
Securities/Assets .186 .192
Total Equity/Total Assets .101 .107
Tangible Equity/Tangible Assets .093 .104
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 88,776 27,152
Tier 2 Capital 8,483 2,218
Total Capital 97,259 29,357
Total Risk Weighted Assets 668,556 186,758
Leverage Ratio 9.94 10.529
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 13.28 16.343
Total Capital Ratio 14.55 17.527

Timeline for United Bank & Trust

Old National Bank

United Bank & Trust was acquired by Old National Bank 11 years

View Profile Aug 01 2014

United Bank & Trust -Washtenaw

Acquisition: United Bank & Trust acquired a new subsidiary, United Bank & Trust -Washtenaw, 15 years

View Profile Apr 01 2010

United Mortgage Company

United Mortgage Company became a new subsidiary organization for United Bank & Trust.

View Profile Mar 17 2000

Ub&T Insurance Agency

Ub&T Insurance Agency became a new subsidiary organization for United Bank & Trust.

View Profile Jan 31 1996

Thompson Savings Bank

Acquisition: United Bank & Trust acquired a new subsidiary, Thompson Savings Bank, 33 years

View Profile Jan 01 1992

Want to see more?

Complete timeline for United Bank & Trust is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Old National Bank Buyer 4,175,351 Acquisition Discontinued 8/1/2014
United Bank & Trust -Washtenaw Seller 389,400 Pooling of Interests Discontinued 4/1/2010
Thompson Savings Bank Seller 51,334 Discontinued 1/1/1992
Relationships Role Relationship Start Relationship End
United Bancorp, Inc. Parent 1/1/1986 7/31/2014
Ub&T Insurance Agency Subsidary 6/30/2007 7/31/2014
United Mortgage Company Subsidary 6/30/2007 7/31/2014
Ub&T Insurance Agency Subsidary 1/31/1996 6/29/2007
United Mortgage Company Subsidary 3/17/2000 6/29/2007
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