United National Bank in Denton, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 09, 1993

  • United National Bank in Denton, Texas (TX)
  • Show street view No street view available for this location

United National Bank - Overview

  • General
  • FDIC Certificate #: 25766
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Texas, National Association (#27474)
    Federal Reserve ID: 513452
    Date Established: August 31, 1984
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 17639
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: August 31, 1984
    Last Structure Change Effective Date: April 09, 1993
    Last Structure Change Process Date: July 28, 1993
    Last Data Update: July 28, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 1200 West University Drive, Denton, TX 76201
    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)
  • Financial Summary
  • Total assets: $68.2 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $32Total assets
  • $70,643Cash and due from depository institutions
  • $5,214Interest-bearing balances
  • $0Securities
  • $43,950Federal funds sold & reverse repurchase agreements
  • $5,305Net loans & leases
  • $12,847Loan loss allowance
  • $367Trading account assets
  • $0Bank premises and fixed assets
  • $1,644Other real estate owned
  • $628Goodwill and other intangibles
  • $1,055Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $70,643Total liabilities
  • $66,384Total deposits
  • $66,231Interest-bearing deposits
  • $56,955Deposits held in domestic offices
  • 66231.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $153Total equity capital
  • $153Total bank equity capital
  • $4,259Perpetual preferred stock
  • $0Common stock
  • $1,163Surplus
  • $1,163Undivided profits
  • Memoranda
  • $1,933Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $69Income earned, not collected on loans
  • $45Earning assets
  • $62,102Long-term assets (5+ years)
  • $10,777Average Assets, year-to-date
  • $91,254Average Assets, quarterly
  • $70,286Volatile liabilities
  • $5,203Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $451Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,259Total risk weighted assets
  • $20,353Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,922Total interest expense
  • $2,829Net interest income
  • $2,093Provision for loan and lease losses
  • -$280Total noninterest income
  • $835Fiduciary activities
  • $0Service charges on deposit accounts
  • $537Trading account gains & fees
  • $0Additional noninterest income
  • $298Total noninterest expense
  • $3,123Salaries and employee benefits
  • $1,119Premises and equipment expense
  • $466Additional noninterest expense
  • $1,538Pre-tax net operating income
  • $85Securities gains (losses)
  • $606Applicable income taxes
  • $221Income before extraordinary items
  • $470Extraordinary gains - net
  • $0Net income attributable to bank
  • $470Net charge-offs
  • $63Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • -$4,598Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.07%Cost of funding earning assets
  • 3.49%Net interest margin
  • 2.58%Noninterest income to earning assets
  • 1.03%Noninterest expense to earning assets
  • 3.85%Net operating income to assets
  • 0.06%Return on assets (ROA)
  • 0.52%Pretax return on assets
  • 0.76%Return on equity (ROE)
  • 7.92%Retained earnings to average equity (YTD only)
  • 7.92%Net charge-offs to loans
  • 0.33%Credit loss provision to net charge-offs
  • -444.44%Efficiency ratio
  • 106,660Assets per employee
  • 2.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.78%Loss allowance to noncurrent loans
  • 531.88%Noncurrent assets plus other real estate owned to assets
  • 0.99%Noncurrent loans to loans
  • 0.52%Net loans and leases to deposits
  • 19.40%Net loans and leases to core deposits
  • 21.05%Equity capital to assets
  • 6.03%Core capital (leverage) ratio
  • 6.82%Tier 1 risk-based capital ratio
  • 20.93%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $91,254Average earning assets
  • $5,933Average equity
  • $81,150Average loans

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