United Commerce Bank of Highland Village, National Association in Highland Village, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 22, 1996

  • United Commerce Bank of Highland Village, National Association in Highland Village, Texas (TX)
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United Commerce Bank of Highland Village, National Association - Overview

  • General
  • FDIC Certificate #: 26858
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First State Bank of Texas (#10348)
    Federal Reserve ID: 62352
    Date Established: December 01, 1986
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 36122
    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: December 01, 1986
    Last Structure Change Effective Date: March 22, 1996
    Last Structure Change Process Date: April 22, 1996
    Last Data Update: April 22, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 1900 Fm 407, Highland Village, TX 75067
    County: Denton
    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: $58.4 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $25Total assets
  • $58,421Cash and due from depository institutions
  • $2,669Interest-bearing balances
  • $0Securities
  • $19,623Federal funds sold & reverse repurchase agreements
  • $16,165Net loans & leases
  • $14,705Loan loss allowance
  • $167Trading account assets
  • $0Bank premises and fixed assets
  • $3,138Other real estate owned
  • $138Goodwill and other intangibles
  • $551Life insurance assets
  • $1,432All other assets
  • $0Total liabilities and capital
  • $58,421Total liabilities
  • $52,725Total deposits
  • $51,975Interest-bearing deposits
  • $35,713Deposits held in domestic offices
  • 51975.00%% insured (estimated)
  • $82Federal funds purchased & repurchase agreements
  • $348Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $402Total equity capital
  • $402Total bank equity capital
  • $5,696Perpetual preferred stock
  • $0Common stock
  • $1,910Surplus
  • $3,648Undivided profits
  • Memoranda
  • $138Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $109Earning assets
  • $50,493Long-term assets (5+ years)
  • $2,365Average Assets, year-to-date
  • $53,168Average Assets, quarterly
  • $54,404Volatile liabilities
  • $5,501Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,494Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,107Total risk weighted assets
  • $23,733Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $137Total interest expense
  • $93Net interest income
  • $43Provision for loan and lease losses
  • $0Total noninterest income
  • $312Fiduciary activities
  • $0Service charges on deposit accounts
  • $52Trading account gains & fees
  • $0Additional noninterest income
  • $260Total noninterest expense
  • $282Salaries and employee benefits
  • $84Premises and equipment expense
  • $20Additional noninterest expense
  • $178Pre-tax net operating income
  • $73Securities gains (losses)
  • $0Applicable income taxes
  • -$65Income before extraordinary items
  • $138Extraordinary gains - net
  • $0Net income attributable to bank
  • $138Net charge-offs
  • $0Cash 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
  • 0.30%Cost of funding earning assets
  • 0.20%Net interest margin
  • 0.09%Noninterest income to earning assets
  • 0.67%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.26%Return on assets (ROA)
  • 0.26%Pretax return on assets
  • 0.14%Return on equity (ROE)
  • 3.81%Retained earnings to average equity (YTD only)
  • 3.81%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 79,437Assets per employee
  • 2.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 28.29%Net loans and leases to core deposits
  • 31.41%Equity capital to assets
  • 9.75%Core capital (leverage) ratio
  • 7.23%Tier 1 risk-based capital ratio
  • 17.31%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $53,168Average earning assets
  • $3,623Average equity
  • $46,289Average loans

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