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


Uvalde National Bank - Overview

  • General
  • FDIC Certificate #: 24465
    Status: Active
    Federal Reserve ID: 363264
    Bank Holding Company (Regulatory Top Holder): Texas Country Bancshares, Inc. (RSSDID: 1106990, Location: Brady, TX)
    Date Established: April 13, 1983
    WWW: http://www.myunb.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: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 10021
    FDIC's unique #: 17002
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: April 13, 1983
    Last Structure Change Effective Date: August 24, 2006
    Last Structure Change Process Date: October 18, 2006
    Last Data Update: October 18, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 727 East Main Street, Uvalde, TX 78801
    County: Uvalde
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Uvalde, TX (#46620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $29.9 mil
    Equity capital: $4.4 mil
    Deposits held in domestic offices: $25.4 mil
    Return on assets (ROA): 0.32% ($0.1 mil)
    Quarterly return on assets: -0.01% (-$0.0 mil)
    Return on Equity (ROE): 2.39% ($0.1 mil)
    Quarterly return on equity: -0.09% (-$0.0 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.32% ($95.5 mil)
    Quarterly Pretax return on assets: -0.01% (-$3.0 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
  • 15Total employees (full-time equivalent)
  • $29,853Total assets
  • $4,140Cash and due from depository institutions
  • $2,272Interest-bearing balances
  • $5,368Securities
  • $3,600Federal funds sold & reverse repurchase agreements
  • $14,385Net loans & leases
  • $639Loan loss allowance
  • $0Trading account assets
  • $655Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $29,853Life insurance assets
  • $1,705All other assets
  • $25,488Total liabilities and capital
  • $25,443Total liabilities
  • $19,937Total deposits
  • $25,443Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $45Subordinated debt
  • $4,365All other liabilities
  • $4,365Total equity capital
  • $4,365Total bank equity capital
  • $0Perpetual preferred stock
  • $875Common stock
  • $3,906Surplus
  • $-416Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $235Income earned, not collected on loans
  • $0Earning assets
  • $149Long-term assets (5+ years)
  • $25,625Average Assets, year-to-date
  • $7,557Average Assets, quarterly
  • $31,844Volatile liabilities
  • $30,634Insider loans
  • $17,416FHLB advances
  • $29,683Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,634Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $714Restructured Loans and leases
  • $4Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,431Total interest income
  • $196Total interest expense
  • $1,235Net interest income
  • -$25Provision for loan and lease losses
  • $167Total noninterest income
  • $0Fiduciary activities
  • $76Service charges on deposit accounts
  • $0Trading account gains & fees
  • $91Additional noninterest income
  • $1,371Total noninterest expense
  • $623Salaries and employee benefits
  • $210Premises and equipment expense
  • $538Additional noninterest expense
  • $56Pre-tax net operating income
  • $45Securities gains (losses)
  • $0Applicable income taxes
  • $101Income before extraordinary items
  • $0Extraordinary gains - net
  • $101Net income attributable to bank
  • $0Net charge-offs
  • $101Cash dividends
  • $99Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 4.43%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 4.91%Noninterest expense to earning assets
  • 0.18%Net operating income to assets
  • 0.32%Return on assets (ROA)
  • 0.32%Pretax return on assets
  • 2.39%Return on equity (ROE)
  • 2.39%Retained earnings to average equity (YTD only)
  • 0.57%Net charge-offs to loans
  • -25.25%Credit loss provision to net charge-offs
  • 0.31%Efficiency ratio
  • 97,789Assets per employee
  • 1.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.25%Loss allowance to noncurrent loans
  • 271.91%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 1.56%Net loans and leases to deposits
  • 56.54%Net loans and leases to core deposits
  • 57.10%Equity capital to assets
  • 14.62%Core capital (leverage) ratio
  • 12.24%Tier 1 risk-based capital ratio
  • 20.87%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $31,844Average earning assets
  • $4,228Average equity
  • $27,901Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017002Uvalde National Bank727 East Main Street, Uvalde, TX 78801April 13, 1983Full Service Brick and Mortar

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