United Bank and Trust in Abilene, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 10, 2000

  • United Bank and Trust in Abilene, Texas (TX)
  • Show street view No street view available for this location

United Bank and Trust - Overview

  • General
  • FDIC Certificate #: 26804
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: State National Bank of West Texas (#24343)
    Federal Reserve ID: 326652
    Date Established: October 01, 1986
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Interstate: No)
    OTS Docket #: 12601
    FDIC's unique #: 35979
    Numeric code: 13
    Regulator: FED
    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: October 01, 1986
    Last Structure Change Effective Date: November 10, 2000
    Last Structure Change Process Date: January 02, 2001
    Last Data Update: January 02, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 1011 North Third Street, Abilene, TX 79601
    County: Taylor
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Abilene, TX (#40)
    Core Based Statistical Area (CBSA): Abilene, TX (#10180)
    CBSA Metro Statistical Area: Abilene, TX (#10180)
  • Financial Summary
  • Total assets: $110.1 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 69Total employees (full-time equivalent)
  • $118,991Total assets
  • $5,972Cash and due from depository institutions
  • $16Interest-bearing balances
  • $21,887Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $76,646Net loans & leases
  • $2,007Loan loss allowance
  • $0Trading account assets
  • $3,674Bank premises and fixed assets
  • $0Other real estate owned
  • $9,137Goodwill and other intangibles
  • $0Life insurance assets
  • $1,675All other assets
  • $118,991Total liabilities and capital
  • $102,273Total liabilities
  • $98,881Total deposits
  • $83,385Interest-bearing deposits
  • $98,881Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,061Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,331All other liabilities
  • $16,718Total equity capital
  • $16,718Total bank equity capital
  • $16,718Perpetual preferred stock
  • $0Common stock
  • $1,200Surplus
  • $15,427Undivided profits
  • Memoranda
  • $91Noncurrent loans and leases
  • $13,074Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,236Earning assets
  • $245Long-term assets (5+ years)
  • $684Average Assets, year-to-date
  • $98,549Average Assets, quarterly
  • $8,909Volatile liabilities
  • $129,618Insider loans
  • $120,830FHLB advances
  • $20,108Loans and leases held for sale
  • $468Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $13,074Total unused commitments
  • $0Restructured Loans and leases
  • $1,022Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $7,901Total interest income
  • $3,603Total interest expense
  • $4,298Net interest income
  • $341Provision for loan and lease losses
  • $969Total noninterest income
  • $0Fiduciary activities
  • $766Service charges on deposit accounts
  • $0Trading account gains & fees
  • $203Additional noninterest income
  • $4,117Total noninterest expense
  • $1,966Salaries and employee benefits
  • $161Premises and equipment expense
  • $1,990Additional noninterest expense
  • $809Pre-tax net operating income
  • $0Securities gains (losses)
  • $350Applicable income taxes
  • $459Income before extraordinary items
  • $0Extraordinary gains - net
  • $459Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,172Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.17%Yield on earning assets
  • 3.27%Cost of funding earning assets
  • 3.90%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 3.74%Noninterest expense to earning assets
  • 0.35%Net operating income to assets
  • 0.35%Return on assets (ROA)
  • 0.62%Pretax return on assets
  • 2.98%Return on equity (ROE)
  • 2.98%Retained earnings to average equity (YTD only)
  • 1.35%Net charge-offs to loans
  • 29.10%Credit loss provision to net charge-offs
  • 0.98%Efficiency ratio
  • 63,338Assets per employee
  • 1.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.55%Loss allowance to noncurrent loans
  • 89.76%Noncurrent assets plus other real estate owned to assets
  • 1.88%Noncurrent loans to loans
  • 2.84%Net loans and leases to deposits
  • 77.51%Net loans and leases to core deposits
  • 94.82%Equity capital to assets
  • 14.05%Core capital (leverage) ratio
  • 7.03%Tier 1 risk-based capital ratio
  • 9.84%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $129,618Average earning assets
  • $15,422Average equity
  • $110,185Average loans

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