United Bank & Trust in Dallas, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 1994

  • United Bank & Trust in Dallas, Texas (TX)
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United Bank & Trust - Overview

  • General
  • FDIC Certificate #: 33591
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: United Bank & Trust, National Association (#26231)
    Federal Reserve ID: 1956720
    Date Established: May 01, 1992
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 11397
    FDIC's unique #: 47536
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 01, 1992
    Last Structure Change Effective Date: April 01, 1994
    Last Structure Change Process Date: April 13, 1994
    Last Data Update: April 13, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 1525 Elm Street, Dallas, TX 75201
    County: Dallas
    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: $55.9 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $16Total assets
  • $56,229Cash and due from depository institutions
  • $3,427Interest-bearing balances
  • $1,997Securities
  • $24,543Federal funds sold & reverse repurchase agreements
  • $3,375Net loans & leases
  • $23,018Loan loss allowance
  • $248Trading account assets
  • $0Bank premises and fixed assets
  • $1,071Other real estate owned
  • $0Goodwill and other intangibles
  • $694Life insurance assets
  • $101All other assets
  • $0Total liabilities and capital
  • $56,229Total liabilities
  • $51,221Total deposits
  • $44,648Interest-bearing deposits
  • $30,567Deposits held in domestic offices
  • 44648.00%% insured (estimated)
  • $58Federal funds purchased & repurchase agreements
  • $6,401Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $172Total equity capital
  • $172Total bank equity capital
  • $5,008Perpetual preferred stock
  • $0Common stock
  • $2,250Surplus
  • $2,250Undivided profits
  • Memoranda
  • $508Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $122Earning assets
  • $52,933Long-term assets (5+ years)
  • $5,222Average Assets, year-to-date
  • $50,932Average Assets, quarterly
  • $51,486Volatile liabilities
  • $16,734Insider loans
  • $4,684FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,264Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,907Total risk weighted assets
  • $28,016Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,697Total interest expense
  • $997Net interest income
  • $1,700Provision for loan and lease losses
  • $0Total noninterest income
  • $207Fiduciary activities
  • $0Service charges on deposit accounts
  • $186Trading account gains & fees
  • $0Additional noninterest income
  • $21Total noninterest expense
  • $1,822Salaries and employee benefits
  • $712Premises and equipment expense
  • $380Additional noninterest expense
  • $730Pre-tax net operating income
  • $85Securities gains (losses)
  • $292Applicable income taxes
  • $115Income before extraordinary items
  • $262Extraordinary gains - net
  • -$7Net income attributable to bank
  • $255Net charge-offs
  • $9Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 5.90%Cost of funding earning assets
  • 2.18%Net interest margin
  • 3.72%Noninterest income to earning assets
  • 0.45%Noninterest expense to earning assets
  • 3.98%Net operating income to assets
  • 0.12%Return on assets (ROA)
  • 0.50%Pretax return on assets
  • 0.73%Return on equity (ROE)
  • 5.23%Retained earnings to average equity (YTD only)
  • 5.23%Net charge-offs to loans
  • 0.04%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 93,550Assets per employee
  • 3.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 51.55%Net loans and leases to core deposits
  • 67.08%Equity capital to assets
  • 8.91%Core capital (leverage) ratio
  • 8.97%Tier 1 risk-based capital ratio
  • 17.52%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $50,932Average earning assets
  • $4,873Average equity
  • $45,745Average loans

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