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

United Community Bank, National Association - Overview

  • General
  • FDIC Certificate #: 34665
    Status: Active
    Federal Reserve ID: 2646813
    Bank Holding Company (Regulatory Top Holder): Community Group, Inc., The (RSSDID: 2646792, Location: Highland Village, TX)
    Date Established: May 27, 1998
    WWW: http://www.unitedcommunity.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 61117
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 27, 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: 2100 Fm Road 407, Highland Village, TX 75077
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $106.1 mil
    Equity capital: $10.3 mil
    Deposits held in domestic offices: $95.4 mil
    Return on assets (ROA): 0.34% ($0.4 mil)
    Quarterly return on assets: 0.86% ($0.9 mil)
    Return on Equity (ROE): 3.80% ($0.4 mil)
    Quarterly return on equity: 8.84% ($0.9 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.34% ($360.7 mil)
    Quarterly Pretax return on assets: 0.60% ($636.5 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
  • 32Total employees (full-time equivalent)
  • $106,085Total assets
  • $29,588Cash and due from depository institutions
  • $28,265Interest-bearing balances
  • $8,631Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $62,959Net loans & leases
  • $1,765Loan loss allowance
  • $0Trading account assets
  • $2,051Bank premises and fixed assets
  • $1,296Other real estate owned
  • $0Goodwill and other intangibles
  • $106,085Life insurance assets
  • $1,560All other assets
  • $95,758Total liabilities and capital
  • $95,448Total liabilities
  • $68,400Total deposits
  • $95,448Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $310Subordinated debt
  • $10,327All other liabilities
  • $10,327Total equity capital
  • $10,327Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $12,870Surplus
  • $-4,543Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,922Income earned, not collected on loans
  • $100Earning assets
  • $315Long-term assets (5+ years)
  • $99,855Average Assets, year-to-date
  • $28,019Average Assets, quarterly
  • $104,031Volatile liabilities
  • $104,208Insider loans
  • $64,578FHLB advances
  • $103,136Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,865Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,845Restructured Loans and leases
  • $443Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,753Total interest income
  • $524Total interest expense
  • $4,229Net interest income
  • $0Provision for loan and lease losses
  • $645Total noninterest income
  • $0Fiduciary activities
  • $200Service charges on deposit accounts
  • $0Trading account gains & fees
  • $445Additional noninterest income
  • $4,522Total noninterest expense
  • $2,195Salaries and employee benefits
  • $461Premises and equipment expense
  • $1,866Additional noninterest expense
  • $352Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $352Income before extraordinary items
  • $0Extraordinary gains - net
  • $352Net income attributable to bank
  • $0Net charge-offs
  • $352Cash dividends
  • $300Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.96%Yield on earning assets
  • 0.55%Cost of funding earning assets
  • 4.41%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 4.71%Noninterest expense to earning assets
  • 0.34%Net operating income to assets
  • 0.34%Return on assets (ROA)
  • 0.34%Pretax return on assets
  • 3.80%Return on equity (ROE)
  • 3.80%Retained earnings to average equity (YTD only)
  • 0.47%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 1.17%Efficiency ratio
  • 92,778Assets per employee
  • 3.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.73%Loss allowance to noncurrent loans
  • 91.83%Noncurrent assets plus other real estate owned to assets
  • 3.03%Noncurrent loans to loans
  • 2.97%Net loans and leases to deposits
  • 65.96%Net loans and leases to core deposits
  • 68.49%Equity capital to assets
  • 9.73%Core capital (leverage) ratio
  • 9.57%Tier 1 risk-based capital ratio
  • 15.28%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $104,031Average earning assets
  • $9,253Average equity
  • $95,913Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061117United Community Bank, National Association2100 Fm Road 407, Highland Village, TX 75077May 27, 1998Full Service Brick and Mortar
    1363384Colleyville Branch5604 Colleyville Boulevard, Colleyville, TX 76034March 20, 2002Full Service Brick and Mortar
    2429959Coppell Branch150 S. Denton Tap, Ste. 120, Coppell, TX 75019September 01, 2003Full Service Brick and Mortar
    3453535Plano Branch3108 Midway Road Suite 101, Plano, TX 75093May 01, 2006Full Service Brick and Mortar

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