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


Central Bank - Overview

  • General
  • FDIC Certificate #: 17612
    Status: Active
    Federal Reserve ID: 31255
    Bank Holding Company (Regulatory Top Holder): Central Bancshares, Inc. (RSSDID: 1106468, Location: Houston, TX)
    Date Established: May 31, 1956
    WWW: http://www.centralbankhouston.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 15662
    FDIC's unique #: 11583
    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: May 31, 1956
    Last Structure Change Effective Date: June 30, 2008
    Last Structure Change Process Date: August 26, 2008
    Last Data Update: August 26, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 11201 Clay Road, Houston, TX 77041
    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: $445.1 mil
    Equity capital: $38.2 mil
    Deposits held in domestic offices: $385.3 mil
    Return on assets (ROA): 0.92% ($4.1 mil)
    Quarterly return on assets: 0.83% ($3.7 mil)
    Return on Equity (ROE): 10.62% ($4.0 mil)
    Quarterly return on equity: 9.59% ($3.6 mil)
    Net income: $3.9 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 1.27% ($5,652.1 mil)
    Quarterly Pretax return on assets: 1.13% ($5,029.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 90Total employees (full-time equivalent)
  • $445,051Total assets
  • $12,676Cash and due from depository institutions
  • $6,776Interest-bearing balances
  • $171,994Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $237,175Net loans & leases
  • $3,861Loan loss allowance
  • $0Trading account assets
  • $9,981Bank premises and fixed assets
  • $144Other real estate owned
  • $933Goodwill and other intangibles
  • $445,051Life insurance assets
  • $12,148All other assets
  • $406,890Total liabilities and capital
  • $385,346Total liabilities
  • $316,508Total deposits
  • $385,346Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 5314.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,181Trading liabilities
  • $0Other borrowed funds
  • $6,049Subordinated debt
  • $38,161All other liabilities
  • $38,161Total equity capital
  • $38,161Total bank equity capital
  • $0Perpetual preferred stock
  • $2,989Common stock
  • $25,311Surplus
  • $9,861Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,197Income earned, not collected on loans
  • $0Earning assets
  • $1,874Long-term assets (5+ years)
  • $415,945Average Assets, year-to-date
  • $93,918Average Assets, quarterly
  • $424,648Volatile liabilities
  • $440,409Insider loans
  • $274,900FHLB advances
  • $434,876Loans and leases held for sale
  • $7,540Unused loan commitments
  • $5,977Tier 1 (core) risk-based capital
  • $35,600Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,563Total unused commitments
  • $61,342Restructured Loans and leases
  • $60Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,180Total interest income
  • $2,806Total interest expense
  • $17,374Net interest income
  • $600Provision for loan and lease losses
  • $1,648Total noninterest income
  • $0Fiduciary activities
  • $892Service charges on deposit accounts
  • $0Trading account gains & fees
  • $756Additional noninterest income
  • $13,478Total noninterest expense
  • $8,902Salaries and employee benefits
  • $2,040Premises and equipment expense
  • $2,536Additional noninterest expense
  • $4,944Pre-tax net operating income
  • $445Securities gains (losses)
  • $1,483Applicable income taxes
  • $3,906Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,906Net income attributable to bank
  • $0Net charge-offs
  • $3,906Cash dividends
  • -$255Sale, conversion, retirement of capital stock, net
  • $1,965Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.10%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 4.39%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 3.40%Noninterest expense to earning assets
  • 0.84%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 10.62%Return on equity (ROE)
  • 5.28%Retained earnings to average equity (YTD only)
  • -0.11%Net charge-offs to loans
  • -235.29%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 70,855Assets per employee
  • 4.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.31%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 120.77%Noncurrent assets plus other real estate owned to assets
  • 0.75%Noncurrent loans to loans
  • 1.33%Net loans and leases to deposits
  • 61.55%Net loans and leases to core deposits
  • 66.04%Equity capital to assets
  • 8.57%Core capital (leverage) ratio
  • 8.19%Tier 1 risk-based capital ratio
  • 12.95%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $424,648Average earning assets
  • $36,779Average equity
  • $395,923Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011583Central Bank11201 Clay Road, Houston, TX 77041May 31, 1956Full Service Brick and Mortar
    2242319Milam Street Branch2217 Milam, Houston, TX 77002Febuary 02, 1989Full Service Brick and Mortar
    5242321Timbergrove Branch1550 West 18th Street, Houston, TX 77008May 15, 1997Full Service Brick and Mortar
    8491192Post Oak Place Branch4605 Post Oak Place Drive, Houston, TX 77027December 11, 2008Full Service Brick and Mortar

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