FDIC Certificate #: 26626 Status: Active Federal Reserve ID: 726953 Date Established: April 07, 1986 WWW:http://www.unitedtexasbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 35350 Numeric code: 13 Regulator: FED 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: April 07, 1986 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 12222 Merit Drive, Suite 100, Dallas, TX 75251 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)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $172.9 mil Equity capital: $19.6 mil Deposits held in domestic offices: $117.2 mil Return on assets (ROA): 0.89% ($1.5 mil) Quarterly return on assets: 0.82% ($1.4 mil) Return on Equity (ROE): 7.39% ($1.5 mil) Quarterly return on equity: 7.07% ($1.4 mil) Net income: $1.3 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.18% ($2,039.8 mil) Quarterly Pretax return on assets: 0.95% ($1,642.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
24Total employees (full-time equivalent)
$172,863Total assets
$14,738Cash and due from depository institutions
$14,161Interest-bearing balances
$84,650Securities
$0Federal funds sold & reverse repurchase agreements
$67,878Net loans & leases
$1,472Loan loss allowance
$0Trading account assets
$123Bank premises and fixed assets
$1,763Other real estate owned
$0Goodwill and other intangibles
$172,863Life insurance assets
$3,711All other assets
$153,304Total liabilities and capital
$117,162Total liabilities
$71,786Total deposits
$117,162Interest-bearing deposits
$75Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$35,979Trading liabilities
$0Other borrowed funds
$163Subordinated debt
$19,559All other liabilities
$19,559Total equity capital
$19,559Total bank equity capital
$0Perpetual preferred stock
$3,200Common stock
$15,391Surplus
$968Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$230Income earned, not collected on loans
$0Earning assets
$834Long-term assets (5+ years)
$166,689Average Assets, year-to-date
$61,884Average Assets, quarterly
$149,784Volatile liabilities
$167,264Insider loans
$105,369FHLB advances
$166,703Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$19,178Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$18,527Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,466Total interest income
$639Total interest expense
$5,827Net interest income
-$50Provision for loan and lease losses
$142Total noninterest income
$0Fiduciary activities
$114Service charges on deposit accounts
$0Trading account gains & fees
$28Additional noninterest income
$4,542Total noninterest expense
$2,473Salaries and employee benefits
$372Premises and equipment expense
$1,697Additional noninterest expense
$1,477Pre-tax net operating income
$290Securities gains (losses)
$441Applicable income taxes
$1,326Income before extraordinary items
$0Extraordinary gains - net
$1,326Net income attributable to bank
$0Net charge-offs
$1,326Cash dividends
$347Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.58%Yield on earning assets
0.45%Cost of funding earning assets
4.12%Net interest margin
0.10%Noninterest income to earning assets
3.21%Noninterest expense to earning assets
0.74%Net operating income to assets
0.89%Return on assets (ROA)
1.18%Pretax return on assets
7.39%Return on equity (ROE)
7.39%Retained earnings to average equity (YTD only)
0.53%Net charge-offs to loans
-14.41%Credit loss provision to net charge-offs
4.11%Efficiency ratio
76,093Assets per employee
7.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.12%Loss allowance to noncurrent loans
640.00%Noncurrent assets plus other real estate owned to assets
1.15%Noncurrent loans to loans
0.33%Net loans and leases to deposits
57.94%Net loans and leases to core deposits
66.67%Equity capital to assets
11.31%Core capital (leverage) ratio
11.50%Tier 1 risk-based capital ratio
18.20%Total risk-based capital ratio
Memoranda
$19Average assets
$149,784Average earning assets
$17,945Average equity
$141,278Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
35350
United Texas Bank
12222 Merit Drive, Suite 100, Dallas, TX 75251
April 07, 1986
Full Service Brick and Mortar
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