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

Bank of Houston - Overview

  • General
  • FDIC Certificate #: 57965
    Status: Active
    Federal Reserve ID: 3327164
    Bank Holding Company (Regulatory Top Holder): Boh Holdings, Inc. (RSSDID: 3807974, Location: Houston, TX)
    Date Established: March 24, 2005
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 432664
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 24, 2005
    Last Structure Change Effective Date: June 09, 2006
    Last Structure Change Process Date: June 21, 2006
    Last Data Update: June 21, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 750 Bering Drive, Suite 100, Houston, TX 77057
    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)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $747.9 mil
    Equity capital: $68.2 mil
    Deposits held in domestic offices: $623.1 mil
    Return on assets (ROA): 0.96% ($7.2 mil)
    Quarterly return on assets: 0.92% ($6.9 mil)
    Return on Equity (ROE): 11.10% ($7.5 mil)
    Quarterly return on equity: 9.81% ($6.7 mil)
    Net income: $6.3 mil
    Quarterly Net income: $1.7 mil
    Pretax return on assets: 1.34% ($10,022.1 mil)
    Quarterly Pretax return on assets: 1.38% ($10,321.3 mil)

2000 - 2011 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, 2011)

  • Dollar figures in thousands
  • 104Total employees (full-time equivalent)
  • $747,920Total assets
  • $107,098Cash and due from depository institutions
  • $95,207Interest-bearing balances
  • $85,759Securities
  • $18,200Federal funds sold & reverse repurchase agreements
  • $509,740Net loans & leases
  • $5,942Loan loss allowance
  • $0Trading account assets
  • $7,836Bank premises and fixed assets
  • $1,689Other real estate owned
  • $0Goodwill and other intangibles
  • $747,920Life insurance assets
  • $17,598All other assets
  • $679,702Total liabilities and capital
  • $623,119Total liabilities
  • $341,399Total deposits
  • $623,119Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 10000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $45,000Trading liabilities
  • $0Other borrowed funds
  • $1,583Subordinated debt
  • $68,218All other liabilities
  • $68,218Total equity capital
  • $68,218Total bank equity capital
  • $0Perpetual preferred stock
  • $24,971Common stock
  • $26,811Surplus
  • $16,436Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $623Income earned, not collected on loans
  • $0Earning assets
  • $1,845Long-term assets (5+ years)
  • $708,906Average Assets, year-to-date
  • $106,380Average Assets, quarterly
  • $656,403Volatile liabilities
  • $717,935Insider loans
  • $550,298FHLB advances
  • $696,183Loans and leases held for sale
  • $11,305Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $66,340Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $11,305Total unused commitments
  • $116,881Restructured Loans and leases
  • $7,922Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $30,604Total interest income
  • $3,756Total interest expense
  • $26,848Net interest income
  • $1,060Provision for loan and lease losses
  • $619Total noninterest income
  • $0Fiduciary activities
  • $317Service charges on deposit accounts
  • $0Trading account gains & fees
  • $302Additional noninterest income
  • $17,661Total noninterest expense
  • $10,520Salaries and employee benefits
  • $1,722Premises and equipment expense
  • $5,419Additional noninterest expense
  • $8,746Pre-tax net operating income
  • $61Securities gains (losses)
  • $2,531Applicable income taxes
  • $6,276Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,276Net income attributable to bank
  • $0Net charge-offs
  • $6,276Cash dividends
  • $564Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.94%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 4.34%Net interest margin
  • 0.10%Noninterest income to earning assets
  • 2.85%Noninterest expense to earning assets
  • 0.95%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 11.10%Return on equity (ROE)
  • 11.10%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 187.94%Credit loss provision to net charge-offs
  • 17.39%Efficiency ratio
  • 64,299Assets per employee
  • 7.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 953.77%Noncurrent assets plus other real estate owned to assets
  • 0.31%Noncurrent loans to loans
  • 0.12%Net loans and leases to deposits
  • 81.80%Net loans and leases to core deposits
  • 91.58%Equity capital to assets
  • 9.12%Core capital (leverage) ratio
  • 9.53%Tier 1 risk-based capital ratio
  • 12.06%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $656,403Average earning assets
  • $56,556Average equity
  • $619,158Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0432664Bank Of Houston750 Bering Drive, Suite 100, Houston, TX 77057March 24, 2005Full Service Brick and Mortar
    1467664River Oaks Branch3900 Essex Lane Suite 100, Houston, TX 77027December 04, 2006Full Service Brick and Mortar
    2469150Memorial9601 Katy Freeway, Houston, TX 77024August 06, 2007Full Service Brick and Mortar
    4477924Cypress Branch1051 Fm 1960 Rd West, Houston, TX 77090June 16, 2008Full Service Brick and Mortar
    5492960Medical Center Branch4120 Bellaire Blvd., Houston, TX 77025May 01, 2009Full Service Brick and Mortar
    6511429Kingwood Branch2661 Royal Forest Drive, Suite B100, Kingwood, TX 77339August 24, 2009Full Service Retail

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