United American Bank of Memphis in Memphis, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 28, 1997

  • United American Bank of Memphis in Memphis, Tennessee (TN)
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United American Bank of Memphis - Overview

  • General
  • FDIC Certificate #: 19938
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Commercial Bank, National Association of Memphis (#32986)
    Federal Reserve ID: 576756
    Date Established: Febuary 27, 1969
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    FDIC's unique #: 13697
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: Febuary 27, 1969
    Last Structure Change Effective Date: Febuary 28, 1997
    Last Structure Change Process Date: March 13, 1997
    Last Data Update: March 13, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 5384 Poplar Avenue, Memphis, TN 38101
    County: Shelby
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Memphis, TN-AR-MS (#4920)
    Core Based Statistical Area (CBSA): Memphis, TN-MS-AR (#32820)
    CBSA Metro Statistical Area: Memphis, TN-MS-AR (#32820)
  • Financial Summary
  • Total assets: $273.0 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)
  • $136Total assets
  • $273,005Cash and due from depository institutions
  • $24,322Interest-bearing balances
  • $100Securities
  • $66,158Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $172,344Loan loss allowance
  • $6,598Trading account assets
  • $0Bank premises and fixed assets
  • $4,078Other real estate owned
  • $294Goodwill and other intangibles
  • $5,809Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $273,005Total liabilities
  • $254,636Total deposits
  • $250,561Interest-bearing deposits
  • $183,064Deposits held in domestic offices
  • 250561.00%% insured (estimated)
  • $79Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $3,075Total equity capital
  • $3,075Total bank equity capital
  • $18,369Perpetual preferred stock
  • $7,500Common stock
  • $203Surplus
  • $419Undivided profits
  • Memoranda
  • $10,247Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,876Income earned, not collected on loans
  • $1,192Earning assets
  • $238,602Long-term assets (5+ years)
  • $37,216Average Assets, year-to-date
  • $274,831Average Assets, quarterly
  • $273,304Volatile liabilities
  • $18,621Insider loans
  • $6,780FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $67,718Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $18,154Total risk weighted assets
  • $190,103Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $20,797Total interest expense
  • $8,544Net interest income
  • $12,253Provision for loan and lease losses
  • $4,229Total noninterest income
  • $3,111Fiduciary activities
  • $388Service charges on deposit accounts
  • $1,771Trading account gains & fees
  • $0Additional noninterest income
  • $952Total noninterest expense
  • $10,597Salaries and employee benefits
  • $5,023Premises and equipment expense
  • $1,284Additional noninterest expense
  • $4,290Pre-tax net operating income
  • $538Securities gains (losses)
  • -$479Applicable income taxes
  • -$109Income before extraordinary items
  • $168Extraordinary gains - net
  • $0Net income attributable to bank
  • $168Net charge-offs
  • $734Cash dividends
  • $1,000Sale, 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
  • 8.53%Cost of funding earning assets
  • 3.51%Net interest margin
  • 5.03%Noninterest income to earning assets
  • 1.28%Noninterest expense to earning assets
  • 4.35%Net operating income to assets
  • 0.24%Return on assets (ROA)
  • 0.06%Pretax return on assets
  • 0.02%Return on equity (ROE)
  • 0.87%Retained earnings to average equity (YTD only)
  • -4.32%Net charge-offs to loans
  • 0.42%Credit loss provision to net charge-offs
  • 576.16%Efficiency ratio
  • 68,973Assets per employee
  • 2.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 595.24%Loss allowance to loans
  • 3.69%Loss allowance to noncurrent loans
  • 95.96%Noncurrent assets plus other real estate owned to assets
  • 2.63%Noncurrent loans to loans
  • 3.84%Net loans and leases to deposits
  • 68.78%Net loans and leases to core deposits
  • 73.99%Equity capital to assets
  • 6.73%Core capital (leverage) ratio
  • 6.62%Tier 1 risk-based capital ratio
  • 9.55%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $274,831Average earning assets
  • $19,246Average equity
  • $243,745Average loans

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