United Community Bank, National Association in Highland Village, Texas (TX)
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United Community Bank, National Association routing number info
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| United Community Bank, National Association | |
|---|---|
| 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 32 |
| Total assets | $106,085 |
| Cash and due from depository institutions | $29,588 |
| Interest-bearing balances | $28,265 |
| Securities | $8,631 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $62,959 |
| Loan loss allowance | $1,765 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,051 |
| Other real estate owned | $1,296 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,560 |
| Life insurance assets | $106,085 |
| Total liabilities and capital | $95,758 |
| Total liabilities | $95,448 |
| Total deposits | $68,400 |
| Interest-bearing deposits | $95,448 |
| Deposits held in domestic offices | $93 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $310 |
| All other liabilities | $10,327 |
| Total equity capital | $10,327 |
| Total bank equity capital | $10,327 |
| Perpetual preferred stock | $0 |
| Common stock | $2,000 |
| Surplus | $12,870 |
| Undivided profits | $-4,543 |
| 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 | $1,922 |
| Earning assets | $100 |
| Long-term assets (5+ years) | $315 |
| Average Assets, year-to-date | $99,855 |
| Average Assets, quarterly | $28,019 |
| Volatile liabilities | $104,031 |
| Insider loans | $104,208 |
| FHLB advances | $64,578 |
| Loans and leases held for sale | $103,136 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $9,865 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $6,845 |
| Derivatives | $443 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $4,753 |
| Total interest expense | $524 |
| Net interest income | $4,229 |
| Provision for loan and lease losses | $0 |
| Total noninterest income | $645 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $200 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $445 |
| Total noninterest expense | $4,522 |
| Salaries and employee benefits | $2,195 |
| Premises and equipment expense | $461 |
| Additional noninterest expense | $1,866 |
| Pre-tax net operating income | $352 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $352 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $352 |
| Net charge-offs | $0 |
| Cash dividends | $352 |
| Sale, conversion, retirement of capital stock, net | $300 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.96% |
| Cost of funding earning assets | 0.55% |
| Net interest margin | 4.41% |
| Noninterest income to earning assets | 0.67% |
| Noninterest expense to earning assets | 4.71% |
| Net operating income to assets | 0.34% |
| Return on assets (ROA) | 0.34% |
| Pretax return on assets | 0.34% |
| Return on equity (ROE) | 3.80% |
| Retained earnings to average equity (YTD only) | 3.80% |
| Net charge-offs to loans | 0.47% |
| Credit loss provision to net charge-offs | 0.00% |
| Efficiency ratio | 1.17% |
| Assets per employee | $92,778 |
| Cash dividends to net income (YTD only) | 3.32% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 2.73% |
| Noncurrent assets plus other real estate owned to assets | 91.83% |
| Noncurrent loans to loans | 3.03% |
| Net loans and leases to deposits | 2.97% |
| Net loans and leases to core deposits | 65.96% |
| Equity capital to assets | 68.49% |
| Core capital (leverage) ratio | 9.73% |
| Tier 1 risk-based capital ratio | 9.57% |
| Total risk-based capital ratio | 15.28% |
| Memoranda | |
| Average assets | $17 |
| Average earning assets | $104,031 |
| Average equity | $9,253 |
| Average loans | $95,913 |
| 4 Texas Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 61117 | United Community Bank, National Association | 2100 Fm Road 407, Highland Village, TX 75077 | May 27, 1998 | Full Service Brick and Mortar |  |
| 1 | 363384 | Colleyville Branch | 5604 Colleyville Boulevard, Colleyville, TX 76034 | March 20, 2002 | Full Service Brick and Mortar |  |
| 2 | 429959 | Coppell Branch | 150 S. Denton Tap, Ste. 120, Coppell, TX 75019 | September 01, 2003 | Full Service Brick and Mortar | |
| 3 | 453535 | Plano Branch | 3108 Midway Road Suite 101, Plano, TX 75093 | May 01, 2006 | Full Service Brick and Mortar | |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.