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)
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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

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