United Community Bank in Gonzales, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • United Community Bank in Gonzales, Louisiana (LA)
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United Community Bank - Overview

  • General
  • FDIC Certificate #: 34777
    Status: Active
    Federal Reserve ID: 2654818
    Bank Holding Company (Regulatory Top Holder): United Community Bancshares, Inc. (RSSDID: 2654809, Location: Gonzales, LA)
    Date Established: June 15, 1998
    WWW: http://www.ucbanking.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 15810
    FDIC's unique #: 61550
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 15, 1998
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 12328 Highway 44, Gonzales, LA 70737
    County: Ascension
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Baton Rouge
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Baton Rouge, LA (#760)
    Combined Statistical Area (CSA): Baton Rouge-Pierre Part, LA (#132)
    Core Based Statistical Area (CBSA): Baton Rouge, LA (#12940)
    CBSA Metro Statistical Area: Baton Rouge, LA (#12940)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $189.6 mil
    Equity capital: $18.8 mil
    Deposits held in domestic offices: $163.7 mil
    Return on assets (ROA): 0.50% ($0.9 mil)
    Quarterly return on assets: 0.50% ($0.9 mil)
    Return on Equity (ROE): 5.43% ($1.0 mil)
    Quarterly return on equity: 5.21% ($1.0 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.72% ($1,365.1 mil)
    Quarterly Pretax return on assets: 0.62% ($1,175.5 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
  • 61Total employees (full-time equivalent)
  • $189,596Total assets
  • $21,146Cash and due from depository institutions
  • $18,572Interest-bearing balances
  • $14,307Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $142,300Net loans & leases
  • $1,477Loan loss allowance
  • $0Trading account assets
  • $6,350Bank premises and fixed assets
  • $506Other real estate owned
  • $0Goodwill and other intangibles
  • $189,596Life insurance assets
  • $4,987All other assets
  • $170,832Total liabilities and capital
  • $163,713Total liabilities
  • $145,177Total deposits
  • $163,713Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,487Trading liabilities
  • $0Other borrowed funds
  • $632Subordinated debt
  • $18,764All other liabilities
  • $18,764Total equity capital
  • $18,764Total bank equity capital
  • $0Perpetual preferred stock
  • $2,371Common stock
  • $6,629Surplus
  • $9,764Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,834Income earned, not collected on loans
  • $0Earning assets
  • $583Long-term assets (5+ years)
  • $175,179Average Assets, year-to-date
  • $11,929Average Assets, quarterly
  • $199,292Volatile liabilities
  • $193,630Insider loans
  • $142,165FHLB advances
  • $195,343Loans and leases held for sale
  • $2,185Unused loan commitments
  • $2,185Tier 1 (core) risk-based capital
  • $18,613Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,828Restructured Loans and leases
  • $532Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,449Total interest income
  • $2,482Total interest expense
  • $7,967Net interest income
  • $1,450Provision for loan and lease losses
  • $1,552Total noninterest income
  • $0Fiduciary activities
  • $823Service charges on deposit accounts
  • $0Trading account gains & fees
  • $729Additional noninterest income
  • $6,634Total noninterest expense
  • $3,099Salaries and employee benefits
  • $1,047Premises and equipment expense
  • $2,488Additional noninterest expense
  • $1,435Pre-tax net operating income
  • $0Securities gains (losses)
  • $444Applicable income taxes
  • $991Income before extraordinary items
  • $0Extraordinary gains - net
  • $991Net income attributable to bank
  • $0Net charge-offs
  • $991Cash dividends
  • $1,828Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.66%Yield on earning assets
  • 1.34%Cost of funding earning assets
  • 4.31%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 3.59%Noninterest expense to earning assets
  • 0.50%Net operating income to assets
  • 0.50%Return on assets (ROA)
  • 0.72%Pretax return on assets
  • 5.43%Return on equity (ROE)
  • 5.43%Retained earnings to average equity (YTD only)
  • 1.19%Net charge-offs to loans
  • 79.32%Credit loss provision to net charge-offs
  • 1.58%Efficiency ratio
  • 69,692Assets per employee
  • 3.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 38.52%Noncurrent assets plus other real estate owned to assets
  • 2.29%Noncurrent loans to loans
  • 2.67%Net loans and leases to deposits
  • 86.92%Net loans and leases to core deposits
  • 91.49%Equity capital to assets
  • 9.90%Core capital (leverage) ratio
  • 9.53%Tier 1 risk-based capital ratio
  • 13.09%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $199,292Average earning assets
  • $18,264Average equity
  • $184,651Average loans

List of branches

  • 6 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061550United Community Bank12328 Highway 44, Gonzales, LA 70737June 15, 1998Full Service Brick and Mortar
    1360378Wal-Mart Branch308 N. Airline Highway, Gonzales, LA 70737September 27, 2000Full Service Retail
    3363305Gonzales Old Main Branch318 S. Burnside Avenue, Gonzales, LA 70737January 22, 2002Full Service Brick and Mortar
    4462276Prairieville Branch17257 Airline Highway, Prairieville, LA 70769April 09, 2007Full Service Brick and Mortar
    5462872Coursey Branch11280 Coursey Boulevard, Baton Rouge, LA 70816May 03, 2007Full Service Brick and Mortar
    6470383Main Street Branch6473 Highway 44, Suite 106, Gonzales, LA 70737January 22, 2008Full Service Brick and Mortar

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