United Heritage Bank in Orlando, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 27, 2007

  • United Heritage Bank in Orlando, Florida (FL)
  • Show street view No street view available for this location

United Heritage Bank - Overview

  • General
  • FDIC Certificate #: 57108
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: M&I Marshall and Ilsley Bank (#1020)
    Federal Reserve ID: 3004803
    Date Established: March 15, 2001
    WWW: http://www.uhb-fl.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 14 (Interstate: No)
    FDIC's unique #: 357930
    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: March 15, 2001
    Last Structure Change Effective Date: June 27, 2007
    Last Structure Change Process Date: June 27, 2007
    Last Data Update: June 27, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 3378 Edgewater Drive, Orlando, FL 32804
    County: Orange
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Tampa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Orlando, FL (#5960)
    Combined Statistical Area (CSA): Orlando-Deltona-Daytona Beach, FL (#422)
    Core Based Statistical Area (CBSA): Orlando-Kissimmee-Sanford, FL (#36740)
    CBSA Metro Statistical Area: Orlando-Kissimmee-Sanford, FL (#36740)
  • Financial Summary
  • Total assets: $791.3 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, 2006)

  • Dollar figures in thousands
  • 98Total employees (full-time equivalent)
  • $748,639Total assets
  • $11,238Cash and due from depository institutions
  • $0Interest-bearing balances
  • $203,426Securities
  • $71,334Federal funds sold & reverse repurchase agreements
  • $439,085Net loans & leases
  • $5,557Loan loss allowance
  • $0Trading account assets
  • $10,754Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $6,000Life insurance assets
  • $12,802All other assets
  • $748,639Total liabilities and capital
  • $684,906Total liabilities
  • $660,828Total deposits
  • $625,471Interest-bearing deposits
  • $660,828Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $22,503Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,575All other liabilities
  • $63,733Total equity capital
  • $63,733Total bank equity capital
  • $63,733Perpetual preferred stock
  • $0Common stock
  • $12,510Surplus
  • $39,042Undivided profits
  • Memoranda
  • $12,181Noncurrent loans and leases
  • $160,252Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $49Earning assets
  • $0Long-term assets (5+ years)
  • $3,444Average Assets, year-to-date
  • $713,845Average Assets, quarterly
  • $191,627Volatile liabilities
  • $731,982Insider loans
  • $741,705FHLB advances
  • $270,981Loans and leases held for sale
  • $19,261Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $160,252Total unused commitments
  • $0Restructured Loans and leases
  • $5,557Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $45,887Total interest income
  • $21,214Total interest expense
  • $24,673Net interest income
  • $974Provision for loan and lease losses
  • $1,086Total noninterest income
  • $0Fiduciary activities
  • $740Service charges on deposit accounts
  • $0Trading account gains & fees
  • $346Additional noninterest income
  • $13,174Total noninterest expense
  • $6,964Salaries and employee benefits
  • $2,703Premises and equipment expense
  • $3,507Additional noninterest expense
  • $11,611Pre-tax net operating income
  • $0Securities gains (losses)
  • $4,070Applicable income taxes
  • $7,541Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,541Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$3Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.57%Yield on earning assets
  • 3.04%Cost of funding earning assets
  • 3.53%Net interest margin
  • 0.16%Noninterest income to earning assets
  • 1.89%Noninterest expense to earning assets
  • 1.03%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 1.59%Pretax return on assets
  • 12.79%Return on equity (ROE)
  • 12.79%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • -32466.67%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 51,143Assets per employee
  • 7.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 11340.82%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 66.44%Net loans and leases to core deposits
  • 106.48%Equity capital to assets
  • 8.51%Core capital (leverage) ratio
  • 8.94%Tier 1 risk-based capital ratio
  • 11.90%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $731,982Average earning assets
  • $58,945Average equity
  • $698,604Average loans

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