United Community Bank Tennessee in Lenoir City, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 2006

  • United Community Bank Tennessee in Lenoir City, Tennessee (TN)
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United Community Bank Tennessee - Overview

  • General
  • FDIC Certificate #: 33417
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: United Community Bank (#16889)
    Federal Reserve ID: 1864375
    Date Established: June 04, 1991
    WWW: http://www.ucbi.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Interstate: No)
    OTS Docket #: 10419
    FDIC's unique #: 47077
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: June 04, 1991
    Last Structure Change Effective Date: April 01, 2006
    Last Structure Change Process Date: April 07, 2006
    Last Data Update: April 07, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 725 Highway 321 North, Lenoir City, TN 37771
    County: Loudon
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Knoxville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Knoxville, TN (#3840)
    Combined Statistical Area (CSA): Knoxville-Sevierville-La Follette, TN (#314)
    Core Based Statistical Area (CBSA): Knoxville, TN (#28940)
    CBSA Metro Statistical Area: Knoxville, TN (#28940)
  • Financial Summary
  • Total assets: $333.8 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, 2005)

  • Dollar figures in thousands
  • 69Total employees (full-time equivalent)
  • $303,752Total assets
  • $5,602Cash and due from depository institutions
  • $110Interest-bearing balances
  • $50,095Securities
  • $32,931Federal funds sold & reverse repurchase agreements
  • $185,533Net loans & leases
  • $2,335Loan loss allowance
  • $0Trading account assets
  • $7,311Bank premises and fixed assets
  • $0Other real estate owned
  • $19,571Goodwill and other intangibles
  • $0Life insurance assets
  • $2,709All other assets
  • $303,752Total liabilities and capital
  • $263,452Total liabilities
  • $259,735Total deposits
  • $225,085Interest-bearing deposits
  • $259,735Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $880Other borrowed funds
  • $0Subordinated debt
  • $2,837All other liabilities
  • $40,300Total equity capital
  • $40,300Total bank equity capital
  • $40,300Perpetual preferred stock
  • $0Common stock
  • $1,929Surplus
  • $35,671Undivided profits
  • Memoranda
  • $2,700Noncurrent loans and leases
  • $57,016Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $578Earning assets
  • $0Long-term assets (5+ years)
  • $1,239Average Assets, year-to-date
  • $268,669Average Assets, quarterly
  • $20,766Volatile liabilities
  • $268,844Insider loans
  • $290,014FHLB advances
  • $61,344Loans and leases held for sale
  • $9,948Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,000Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $57,016Total unused commitments
  • $0Restructured Loans and leases
  • $2,335Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $14,556Total interest income
  • $5,300Total interest expense
  • $9,256Net interest income
  • $555Provision for loan and lease losses
  • $1,644Total noninterest income
  • $0Fiduciary activities
  • $903Service charges on deposit accounts
  • $0Trading account gains & fees
  • $741Additional noninterest income
  • $7,973Total noninterest expense
  • $3,755Salaries and employee benefits
  • $847Premises and equipment expense
  • $3,371Additional noninterest expense
  • $2,372Pre-tax net operating income
  • $0Securities gains (losses)
  • $851Applicable income taxes
  • $1,521Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,521Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $98Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.21%Yield on earning assets
  • 2.26%Cost of funding earning assets
  • 3.95%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 3.40%Noninterest expense to earning assets
  • 0.57%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.88%Pretax return on assets
  • 4.00%Return on equity (ROE)
  • 4.00%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 566.33%Credit loss provision to net charge-offs
  • 29.87%Efficiency ratio
  • 70,523Assets per employee
  • 4.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 403.98%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.31%Net loans and leases to deposits
  • 71.43%Net loans and leases to core deposits
  • 93.11%Equity capital to assets
  • 13.27%Core capital (leverage) ratio
  • 8.22%Tier 1 risk-based capital ratio
  • 10.31%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $268,844Average earning assets
  • $38,028Average equity
  • $234,370Average loans

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