Union National Bank of Texas in Laredo, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 12, 1996

  • Union National Bank of Texas in Laredo, Texas (TX)
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Union National Bank of Texas - Overview

  • General
  • FDIC Certificate #: 1489
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Norwest Bank Texas, South, National Association (#5511)
    Federal Reserve ID: 879952
    Date Established: April 02, 1928
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    FDIC's unique #: 984
    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: January 01, 1934
    Last Structure Change Effective Date: July 12, 1996
    Last Structure Change Process Date: July 26, 1996
    Last Data Update: July 26, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 1100 Matamoros Street, Laredo, TX 78040
    County: Webb
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Laredo, TX (#4080)
    Core Based Statistical Area (CBSA): Laredo, TX (#29700)
    CBSA Metro Statistical Area: Laredo, TX (#29700)
  • Financial Summary
  • Total assets: $243.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $126Total assets
  • $237,638Cash and due from depository institutions
  • $7,764Interest-bearing balances
  • $100Securities
  • $72,367Federal funds sold & reverse repurchase agreements
  • $22,700Net loans & leases
  • $115,950Loan loss allowance
  • $2,230Trading account assets
  • $0Bank premises and fixed assets
  • $4,904Other real estate owned
  • $6,529Goodwill and other intangibles
  • $7,424Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $237,638Total liabilities
  • $227,448Total deposits
  • $225,633Interest-bearing deposits
  • $196,816Deposits held in domestic offices
  • 225633.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $501Trading liabilities
  • $0Other borrowed funds
  • $151Subordinated debt
  • $0All other liabilities
  • $1,163Total equity capital
  • $1,163Total bank equity capital
  • $10,190Perpetual preferred stock
  • $0Common stock
  • $1,485Surplus
  • $11,089Undivided profits
  • Memoranda
  • $-2,384Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,369Income earned, not collected on loans
  • $1,011Earning assets
  • $211,117Long-term assets (5+ years)
  • $39,505Average Assets, year-to-date
  • $241,255Average Assets, quarterly
  • $234,538Volatile liabilities
  • $71,324Insider loans
  • $1,098FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $15,973Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $10,125Total risk weighted assets
  • $119,056Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $16,400Total interest expense
  • $7,714Net interest income
  • $8,686Provision for loan and lease losses
  • $320Total noninterest income
  • $1,960Fiduciary activities
  • $19Service charges on deposit accounts
  • $1,229Trading account gains & fees
  • $0Additional noninterest income
  • $712Total noninterest expense
  • $10,542Salaries and employee benefits
  • $4,368Premises and equipment expense
  • $1,627Additional noninterest expense
  • $4,547Pre-tax net operating income
  • -$216Securities gains (losses)
  • $83Applicable income taxes
  • -$18Income before extraordinary items
  • -$115Extraordinary gains - net
  • $0Net income attributable to bank
  • -$115Net charge-offs
  • $648Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.65%Cost of funding earning assets
  • 3.60%Net interest margin
  • 4.05%Noninterest income to earning assets
  • 0.91%Noninterest expense to earning assets
  • 4.92%Net operating income to assets
  • -0.08%Return on assets (ROA)
  • -0.05%Pretax return on assets
  • -0.06%Return on equity (ROE)
  • -1.15%Retained earnings to average equity (YTD only)
  • -1.15%Net charge-offs to loans
  • 0.53%Credit loss provision to net charge-offs
  • 49.38%Efficiency ratio
  • 99,023Assets per employee
  • 1.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 66.19%Noncurrent assets plus other real estate owned to assets
  • 4.17%Noncurrent loans to loans
  • 2.85%Net loans and leases to deposits
  • 51.39%Net loans and leases to core deposits
  • 74.83%Equity capital to assets
  • 4.29%Core capital (leverage) ratio
  • 4.37%Tier 1 risk-based capital ratio
  • 8.50%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $241,255Average earning assets
  • $10,012Average equity
  • $214,356Average loans

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