Vitals
  • Total Assets
    571.0M 13.1 %
  • Total Deposits
    512.8M 14.2 %
  • Total Net Loans
    300.2M 3.3 %
  • Net Income
    2.8M 18.2 %
  • Book Value
    55.0M 4.9 %
  • Book Value x2
    110.0M 4.9 %
  • Book Value x3
    165.0M 4.9 %
ROAA

.683

ROAE

6.999

Efficiency Ratio

75.131

Net Interest Margin

3.54

Balance Sheet Highlights
Financial Highlights United Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 571,026 262,366
Total Net Loans 300,205 153,206
Total Deposits 512,775 221,747
Total Equity 55,005 31,740
Profitability
Net Income 2,817 1,948
Return on Average Assets .683 .919
Return on Average Equity 6.999 7.567
Net Interest Margin 3.54 3.875
Efficiency Ratio 75.131 69.018
Noninterest Income/Revenue 22.673 15.504
Balance Sheet Ratios
Loan-to-Deposit 58.545 65.063
Securities/Assets .282 .233
Total Equity/Total Assets .096 .121
Tangible Equity/Tangible Assets .096 .119
Capital Adequacy
Tier 1 Common Capital 53,500 30,064
Tier 1 Capital 53,500 30,064
Tier 2 Capital 4,080 1,856
Total Capital 57,580 31,916
Total Risk Weighted Assets 345,111 178,436
Leverage Ratio 9.57 11.795
Common Equity Tier 1 Capital Ratio 15.5 18.994
Tier 1 Capital Ratio 15.5 18.999
Total Capital Ratio 16.68 20.08

Timeline for United Bank

United Insurance Services, Inc.

United Insurance Services, Inc. became a new subsidiary organization for United Bank.

View Profile Aug 23 2001

Frisco City Branch

Acquisition: United Bank acquired a new subsidiary, Frisco City Branch , 40 years

View Profile Mar 31 1984

United Bancorporation Of Alabama, Inc.

United Bancorporation Of Alabama, Inc. became a new parent organization for United Bank.

View Profile Feb 28 1983

United Bank

United Bank was established 120 years ago and is currently headquartered in Atmore, AL.

Jan 04 1904
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Frisco City Branch Seller Discontinued 3/31/1984
Relationships Role Relationship Start Relationship End
United Bancorporation Of Alabama, Inc. Parent 2/28/1983
United Insurance Services, Inc. Subsidary 6/30/2007
United Insurance Services, Inc. Subsidary 8/23/2001 6/29/2007
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