Vitals
  • Total Assets
    1.3B -24.0 %
  • Total Deposits
    1.1B -25.5 %
  • Total Net Loans
    361.7M -52.5 %
  • Net Income
    -1125000.0000 -130.1 %
  • Book Value
    138.4M -3.9 %
  • Book Value x2
    276.8M -3.9 %
  • Book Value x3
    415.2M -3.9 %
ROAA

-.168

ROAE

-1.632

Efficiency Ratio

129.559

Net Interest Margin

3.427

Balance Sheet Highlights
Financial Highlights United Central Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 1,287,619 297,589
Total Net Loans 361,691 162,705
Total Deposits 1,112,055 256,132
Total Equity 138,410 31,377
Profitability
Net Income -1,125 1,611
Return on Average Assets -.168 1.027
Return on Average Equity -1.632 9.995
Net Interest Margin 3.427 3.741
Efficiency Ratio 129.559 68.348
Noninterest Income/Revenue 38.669 16.436
Balance Sheet Ratios
Loan-to-Deposit 32.525 60.076
Securities/Assets .521 .244
Total Equity/Total Assets .107 .105
Tangible Equity/Tangible Assets .106 .102
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 132,906 29,561
Tier 2 Capital 5,747 1,971
Total Capital 138,653 31,540
Total Risk Weighted Assets 418,383 180,800
Leverage Ratio 10.22 10.23
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 31.77 18.388
Total Capital Ratio 33.14 19.461

Timeline for United Central Bank

Hanmi Bank

United Central Bank was acquired by Hanmi Bank 10 years

View Profile Sep 01 2014

Mutual Bank

Acquisition: United Central Bank acquired a new subsidiary, Mutual Bank, 15 years

View Profile Aug 01 2009

Jones County Bank

Acquisition: United Central Bank acquired a new subsidiary, Jones County Bank, 16 years

View Profile May 31 2008

Artesia Branch

Acquisition: United Central Bank acquired a new subsidiary, Artesia Branch , 17 years

View Profile Jun 19 2007

Central Bancshares, Inc.

Central Bancshares, Inc. became a new parent organization for United Central Bank.

View Profile Mar 30 1990

Want to see more?

Complete timeline for United Central Bank is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Hanmi Bank Buyer 4,396,418 Acquisition Discontinued 9/1/2014
Mutual Bank Seller 1,595,657 Failure 8/1/2009
Jones County Bank Seller 4,934 Acquisition Discontinued 5/31/2008
Artesia Branch Seller Acquisition Discontinued 6/19/2007
Relationships Role Relationship Start Relationship End
Central Bancorp, Inc. Parent 8/26/2010 8/31/2014
Central Bancshares, Inc. Parent 3/30/1990 8/25/2010
Central Bancorp, Inc. Parent 8/1/1988 3/29/1990
United Bankers, Inc. Parent 11/28/1985 7/31/1988
Texas Southwest Bancorp Inc Parent 8/20/1984 11/27/1985
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