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
No
ID
Name
Address
Established
Service Type
Map
0
17002
Uvalde National Bank
727 East Main Street, Uvalde, TX 78801
April 13, 1983
Full Service Brick and Mortar
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