Vitals
  • Total Assets
    325.4M 6.6 %
  • Total Deposits
    242.5M 6.3 %
  • Total Net Loans
    265.3M 7.0 %
  • Net Income
    1.2M -4.0 %
  • Book Value
    25.9M 8.9 %
  • Book Value x2
    51.7M 8.9 %
  • Book Value x3
    77.6M 8.9 %
ROAA

1.436

ROAE

18.286

Efficiency Ratio

48.781

Net Interest Margin

3.965

Balance Sheet Highlights
Financial Highlights United Communities National Bank All Insured Commercial Banks in Indiana
Balance Sheet $(000)
Total Assets 325,385 320,114
Total Net Loans 265,283 223,230
Total Deposits 242,472 254,669
Total Equity 25,861 32,355
Profitability
Net Income 1,166 992
Return on Average Assets 1.436 .905
Return on Average Equity 18.286 8.631
Net Interest Margin 3.965 3.8
Efficiency Ratio 48.781 67.338
Noninterest Income/Revenue 11.922 13.266
Balance Sheet Ratios
Loan-to-Deposit 109.408 85.001
Securities/Assets .113 .347
Total Equity/Total Assets .079 .101
Tangible Equity/Tangible Assets .079 .035
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 25,884 28,697
Tier 2 Capital 2,504 2,445
Total Capital 28,388 31,159
Total Risk Weighted Assets 246,609 233,302
Leverage Ratio 7.97 10.263
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 10.5 14.576
Total Capital Ratio 11.51 15.681

Timeline for United Communities National Bank

First Merchants Bank

United Communities National Bank was acquired by First Merchants Bank 17 years

View Profile Apr 01 2007

The Union County National Bank Of Liberty

Acquisition: United Communities National Bank acquired a new subsidiary, The Union County National Bank Of Liberty, 19 years

View Profile Jan 01 2005

Ucnb Portfolio Management, Inc

Ucnb Portfolio Management, Inc became a new subsidiary organization for United Communities National Bank.

View Profile Jan 01 2005

First Merchants Corporation

First Merchants Corporation became a new parent organization for United Communities National Bank.

View Profile Oct 03 1996

Randolph County Bancorp

Randolph County Bancorp became a new parent organization for United Communities National Bank.

View Profile Nov 30 1984

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Complete timeline for United Communities National Bank is available.

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Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Merchants Bank Buyer 7,006,499 Pooling of Interests Discontinued 4/1/2007
The Union County National Bank Of Liberty Seller 197,288 Pooling of Interests Discontinued 1/1/2005
Relationships Role Relationship Start Relationship End
First Merchants Corporation Parent 10/3/1996 3/31/2007
Randolph County Bancorp Parent 11/30/1984 10/2/1996
Ucnb Portfolio Management, Inc Subsidary 1/1/2005 3/31/2007