United Bank in Springdale, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • United Bank in Springdale, Arkansas (AR)
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United Bank - Overview

  • General
  • FDIC Certificate #: 32025
    Status: Active
    Federal Reserve ID: 539377
    Date Established: January 01, 1978
    WWW: http://www.united-bk.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 7756
    FDIC's unique #: 44859
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 27, 1980
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2600 South Thompson, Springdale, AR 72764
    County: Washington
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Little Rock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Fayetteville-Springdale-Rogers, AR (#2580)
    Core Based Statistical Area (CBSA): Fayetteville-Springdale-Rogers, AR-MO (#22220)
    CBSA Metro Statistical Area: Fayetteville-Springdale-Rogers, AR-MO (#22220)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $169.0 mil
    Equity capital: $17.4 mil
    Deposits held in domestic offices: $134.0 mil
    Return on assets (ROA): 0.43% ($0.7 mil)
    Quarterly return on assets: 0.78% ($1.3 mil)
    Return on Equity (ROE): 4.47% ($0.8 mil)
    Quarterly return on equity: 7.73% ($1.3 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.43% ($726.6 mil)
    Quarterly Pretax return on assets: 0.78% ($1,318.1 mil)

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 47Total employees (full-time equivalent)
  • $168,982Total assets
  • $19,636Cash and due from depository institutions
  • $18,293Interest-bearing balances
  • $19,108Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $117,029Net loans & leases
  • $5,982Loan loss allowance
  • $0Trading account assets
  • $7,226Bank premises and fixed assets
  • $3,781Other real estate owned
  • $0Goodwill and other intangibles
  • $168,982Life insurance assets
  • $2,202All other assets
  • $151,541Total liabilities and capital
  • $134,039Total liabilities
  • $123,272Total deposits
  • $134,039Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $16,755Trading liabilities
  • $0Other borrowed funds
  • $747Subordinated debt
  • $17,441All other liabilities
  • $17,441Total equity capital
  • $17,441Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $9,615Surplus
  • $7,726Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,261Income earned, not collected on loans
  • $0Earning assets
  • $685Long-term assets (5+ years)
  • $154,430Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $176,490Volatile liabilities
  • $170,754Insider loans
  • $116,651FHLB advances
  • $168,918Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,091Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,554Restructured Loans and leases
  • $2,554Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,814Total interest income
  • $2,540Total interest expense
  • $5,274Net interest income
  • $300Provision for loan and lease losses
  • $1,623Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,623Additional noninterest income
  • $5,846Total noninterest expense
  • $2,861Salaries and employee benefits
  • $1,005Premises and equipment expense
  • $1,980Additional noninterest expense
  • $751Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $751Income before extraordinary items
  • $0Extraordinary gains - net
  • $751Net income attributable to bank
  • $0Net charge-offs
  • $751Cash dividends
  • -$389Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.81%Yield on earning assets
  • 1.57%Cost of funding earning assets
  • 3.25%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 3.60%Noninterest expense to earning assets
  • 0.43%Net operating income to assets
  • 0.43%Return on assets (ROA)
  • 0.43%Pretax return on assets
  • 4.47%Return on equity (ROE)
  • 4.47%Retained earnings to average equity (YTD only)
  • -0.31%Net charge-offs to loans
  • -77.12%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 84,761Assets per employee
  • 3.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.86%Loss allowance to noncurrent loans
  • 140.39%Noncurrent assets plus other real estate owned to assets
  • 4.76%Noncurrent loans to loans
  • 3.46%Net loans and leases to deposits
  • 87.31%Net loans and leases to core deposits
  • 118.08%Equity capital to assets
  • 10.32%Core capital (leverage) ratio
  • 10.12%Tier 1 risk-based capital ratio
  • 14.65%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $176,490Average earning assets
  • $16,796Average equity
  • $162,288Average loans

List of branches

  • 4 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    044859United Bank2600 South Thompson, Springdale, AR 72764January 01, 1978Full Service Brick and Mortar
    102270529Springdale Branch607 West Emma, Springdale, AR 72764January 01, 1933Full Service Brick and Mortar
    103427712Fayetteville Branch670 East Joyce Boulevard, Fayetteville, AR 72703March 21, 2002Full Service Brick and Mortar
    104495839Rogers Branch3333 West Walnut, Rogers, AR 72756August 14, 2006Full Service Brick and Mortar

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