United Bank & Trust, National Association in Dallas, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 30, 1996

  • United Bank & Trust, National Association in Dallas, Texas (TX)
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United Bank & Trust, National Association - Overview

  • General
  • FDIC Certificate #: 26231
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Inwood National Bank (#19080)
    Federal Reserve ID: 1956720
    Date Established: May 13, 1985
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 32568
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: May 13, 1985
    Last Structure Change Effective Date: September 30, 1996
    Last Structure Change Process Date: October 23, 1996
    Last Data Update: October 23, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 1551 South Buckner, Dallas, TX 75217
    County: Dallas
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Dallas, TX (#1920)
    Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
    CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
    Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
  • Financial Summary
  • Total assets: $53.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $21Total assets
  • $64,557Cash and due from depository institutions
  • $2,293Interest-bearing balances
  • $0Securities
  • $24,247Federal funds sold & reverse repurchase agreements
  • $5,555Net loans & leases
  • $29,620Loan loss allowance
  • $339Trading account assets
  • $0Bank premises and fixed assets
  • $1,136Other real estate owned
  • $0Goodwill and other intangibles
  • $1,316Life insurance assets
  • $390All other assets
  • $0Total liabilities and capital
  • $64,557Total liabilities
  • $59,632Total deposits
  • $56,086Interest-bearing deposits
  • $45,808Deposits held in domestic offices
  • 56086.00%% insured (estimated)
  • $64Federal funds purchased & repurchase agreements
  • $3,282Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $264Total equity capital
  • $264Total bank equity capital
  • $4,925Perpetual preferred stock
  • $0Common stock
  • $2,250Surplus
  • $2,250Undivided profits
  • Memoranda
  • $425Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $144Income earned, not collected on loans
  • $249Earning assets
  • $59,422Long-term assets (5+ years)
  • $754Average Assets, year-to-date
  • $62,528Average Assets, quarterly
  • $63,478Volatile liabilities
  • $16,747Insider loans
  • $2,944FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,308Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,440Total risk weighted assets
  • $33,209Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,357Total interest expense
  • $2,226Net interest income
  • $2,131Provision for loan and lease losses
  • $0Total noninterest income
  • $429Fiduciary activities
  • $0Service charges on deposit accounts
  • $298Trading account gains & fees
  • $0Additional noninterest income
  • $131Total noninterest expense
  • $2,275Salaries and employee benefits
  • $973Premises and equipment expense
  • $452Additional noninterest expense
  • $850Pre-tax net operating income
  • $285Securities gains (losses)
  • $18Applicable income taxes
  • $0Income before extraordinary items
  • $303Extraordinary gains - net
  • $0Net income attributable to bank
  • $303Net charge-offs
  • $20Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.59%Cost of funding earning assets
  • 3.88%Net interest margin
  • 3.71%Noninterest income to earning assets
  • 0.75%Noninterest expense to earning assets
  • 3.97%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.48%Pretax return on assets
  • 0.48%Return on equity (ROE)
  • 6.70%Retained earnings to average equity (YTD only)
  • 6.70%Net charge-offs to loans
  • 0.07%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 85,586Assets per employee
  • 3.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 235.42%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.48%Net loans and leases to deposits
  • 52.81%Net loans and leases to core deposits
  • 69.50%Equity capital to assets
  • 7.63%Core capital (leverage) ratio
  • 7.22%Tier 1 risk-based capital ratio
  • 13.37%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $62,528Average earning assets
  • $4,520Average equity
  • $57,368Average loans

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