United Community Bank in Gonzales, Louisiana (LA)



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Table of contents:
United Community Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)61
Total assets$189,596
Cash and due from depository institutions$21,146
Interest-bearing balances$18,572
Securities$14,307
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$142,300
Loan loss allowance $1,477
Trading account assets$0
Bank premises and fixed assets$6,350
Other real estate owned$506
Goodwill and other intangibles$0
All other assets$4,987
Life insurance assets$189,596
Total liabilities and capital$170,832
Total liabilities$163,713
Total deposits$145,177
Interest-bearing deposits$163,713
Deposits held in domestic offices$82
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,487
Other borrowed funds $0
Subordinated debt $632
All other liabilities $18,764
Total equity capital$18,764
Total bank equity capital$18,764
Perpetual preferred stock$0
Common stock$2,371
Surplus$6,629
Undivided profits $9,764
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,834
Earning assets $0
Long-term assets (5+ years) $583
Average Assets, year-to-date $175,179
Average Assets, quarterly $11,929
Volatile liabilities $199,292
Insider loans $193,630
FHLB advances $142,165
Loans and leases held for sale $195,343
Unused loan commitments $2,185
Tier 1 (core) risk-based capital $2,185
Tier 2 risk-based capital $18,613
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $15,828
Derivatives$532
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,449
Total interest expense $2,482
Net interest income $7,967
Provision for loan and lease losses $1,450
Total noninterest income $1,552
Fiduciary activities $0
Service charges on deposit accounts $823
Trading account gains & fees $0
Additional noninterest income $729
Total noninterest expense $6,634
Salaries and employee benefits $3,099
Premises and equipment expense $1,047
Additional noninterest expense $2,488
Pre-tax net operating income $1,435
Securities gains (losses) $0
Applicable income taxes $444
Income before extraordinary items $991
Extraordinary gains - net $0
Net income attributable to bank $991
Net charge-offs $0
Cash dividends $991
Sale, conversion, retirement of capital stock, net $1,828
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.66%
Cost of funding earning assets 1.34%
Net interest margin 4.31%
Noninterest income to earning assets 0.84%
Noninterest expense to earning assets 3.59%
Net operating income to assets 0.50%
Return on assets (ROA) 0.50%
Pretax return on assets 0.72%
Return on equity (ROE) 5.43%
Retained earnings to average equity (YTD only) 5.43%
Net charge-offs to loans 1.19%
Credit loss provision to net charge-offs 79.32%
Efficiency ratio1.58%
Assets per employee$69,692
Cash dividends to net income (YTD only)3.11%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.03%
Noncurrent assets plus other real estate owned to assets 38.52%
Noncurrent loans to loans 2.29%
Net loans and leases to deposits2.67%
Net loans and leases to core deposits 86.92%
Equity capital to assets 91.49%
Core capital (leverage) ratio 9.90%
Tier 1 risk-based capital ratio 9.53%
Total risk-based capital ratio 13.09%
Memoranda
Average assets$14
Average earning assets$199,292
Average equity $18,264
Average loans $184,651
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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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