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

This bank is inactive as of October 07, 2000

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

Bank of Houston - Overview

  • General
  • FDIC Certificate #: 16706
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Whitney National Bank (#18538)
    Federal Reserve ID: 647656
    Date Established: June 15, 1948
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 10829
    Numeric code: 13
    Regulator: FED
    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: June 15, 1948
    Last Structure Change Effective Date: October 07, 2000
    Last Structure Change Process Date: November 16, 2000
    Last Data Update: November 16, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 5115 Main Street, Houston, TX 77004
    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: $244.7 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, 1999)

  • Dollar figures in thousands
  • 65Total employees (full-time equivalent)
  • $183,897Total assets
  • $9,180Cash and due from depository institutions
  • $0Interest-bearing balances
  • $123,899Securities
  • $560Federal funds sold & reverse repurchase agreements
  • $41,985Net loans & leases
  • $1,449Loan loss allowance
  • $0Trading account assets
  • $5,328Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,945All other assets
  • $183,897Total liabilities and capital
  • $163,695Total liabilities
  • $161,553Total deposits
  • $127,190Interest-bearing deposits
  • $161,553Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,400Other borrowed funds
  • $0Subordinated debt
  • $742All other liabilities
  • $20,202Total equity capital
  • $20,202Total bank equity capital
  • $20,202Perpetual preferred stock
  • $0Common stock
  • $2,750Surplus
  • $6,000Undivided profits
  • Memoranda
  • $11,452Noncurrent loans and leases
  • $7,250Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $244Earning assets
  • $0Long-term assets (5+ years)
  • $257Average Assets, year-to-date
  • $166,444Average Assets, quarterly
  • $7,761Volatile liabilities
  • $184,719Insider loans
  • $184,631FHLB advances
  • $26,364Loans and leases held for sale
  • $667Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,250Total unused commitments
  • $0Restructured Loans and leases
  • $932Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $11,295Total interest income
  • $4,453Total interest expense
  • $6,842Net interest income
  • $0Provision for loan and lease losses
  • $2,010Total noninterest income
  • $0Fiduciary activities
  • $1,779Service charges on deposit accounts
  • $0Trading account gains & fees
  • $231Additional noninterest income
  • $6,137Total noninterest expense
  • $3,388Salaries and employee benefits
  • $910Premises and equipment expense
  • $1,839Additional noninterest expense
  • $2,715Pre-tax net operating income
  • $0Securities gains (losses)
  • $909Applicable income taxes
  • $1,806Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,806Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $115Sale, conversion, retirement of capital stock, net
  • $714Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.67%Yield on earning assets
  • 2.63%Cost of funding earning assets
  • 4.04%Net interest margin
  • 1.19%Noninterest income to earning assets
  • 3.62%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 1.47%Pretax return on assets
  • 8.79%Return on equity (ROE)
  • 5.32%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 23.61%Efficiency ratio
  • 69,329Assets per employee
  • 2.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.53%Loss allowance to loans
  • 3.34%Loss allowance to noncurrent loans
  • 593.85%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.56%Net loans and leases to deposits
  • 25.99%Net loans and leases to core deposits
  • 30.74%Equity capital to assets
  • 10.99%Core capital (leverage) ratio
  • 11.58%Tier 1 risk-based capital ratio
  • 29.07%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $184,719Average earning assets
  • $20,541Average equity
  • $169,426Average loans

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank of Houston.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents