American Bank in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 10, 2001

  • American Bank in Houston, Texas (TX)
  • Show street view No street view available for this location

American Bank - Overview

  • General
  • FDIC Certificate #: 22968
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Whitney National Bank (#18538)
    Federal Reserve ID: 705659
    Date Established: October 15, 1979
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 9517
    FDIC's unique #: 16071
    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: October 15, 1979
    Last Structure Change Effective Date: March 10, 2001
    Last Structure Change Process Date: March 28, 2001
    Last Data Update: March 28, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 1600 Smith Street, Houston, TX 77002
    County: Harris
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Houston, TX (#3360)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • Financial Summary
  • Total assets: $274.9 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 90Total employees (full-time equivalent)
  • $274,930Total assets
  • $13,573Cash and due from depository institutions
  • $13Interest-bearing balances
  • $20,451Securities
  • $30,226Federal funds sold & reverse repurchase agreements
  • $207,837Net loans & leases
  • $2,215Loan loss allowance
  • $0Trading account assets
  • $876Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,967All other assets
  • $274,930Total liabilities and capital
  • $256,764Total liabilities
  • $237,463Total deposits
  • $178,425Interest-bearing deposits
  • $237,463Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $5,539Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $12,897Other borrowed funds
  • $0Subordinated debt
  • $865All other liabilities
  • $18,166Total equity capital
  • $18,166Total bank equity capital
  • $18,166Perpetual preferred stock
  • $0Common stock
  • $4,118Surplus
  • $11,152Undivided profits
  • Memoranda
  • $2,896Noncurrent loans and leases
  • $57,292Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $1,486Average Assets, year-to-date
  • $258,527Average Assets, quarterly
  • $7,582Volatile liabilities
  • $263,134Insider loans
  • $277,074FHLB advances
  • $60,512Loans and leases held for sale
  • $1,571Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $57,292Total unused commitments
  • $0Restructured Loans and leases
  • $2,215Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $21,449Total interest income
  • $9,271Total interest expense
  • $12,178Net interest income
  • $800Provision for loan and lease losses
  • $1,009Total noninterest income
  • $0Fiduciary activities
  • $569Service charges on deposit accounts
  • $0Trading account gains & fees
  • $440Additional noninterest income
  • $8,300Total noninterest expense
  • $5,305Salaries and employee benefits
  • $1,471Premises and equipment expense
  • $1,524Additional noninterest expense
  • $4,087Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $4,087Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,087Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $16Sale, conversion, retirement of capital stock, net
  • $3,088Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.69%Yield on earning assets
  • 3.76%Cost of funding earning assets
  • 4.93%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 1.55%Net operating income to assets
  • 1.55%Return on assets (ROA)
  • 1.55%Pretax return on assets
  • 23.04%Return on equity (ROE)
  • 5.63%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 5000.00%Credit loss provision to net charge-offs
  • 305.44%Efficiency ratio
  • 62,941Assets per employee
  • 3.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.56%Loss allowance to loans
  • 1.05%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
  • 87.52%Net loans and leases to core deposits
  • 106.37%Equity capital to assets
  • 6.61%Core capital (leverage) ratio
  • 6.51%Tier 1 risk-based capital ratio
  • 8.02%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $263,134Average earning assets
  • $17,735Average equity
  • $246,849Average loans

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