Central Bank in city_name, state_name - Detailed Financial Reports, Location

Central Bank in Houston, Texas (TX)
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Central Bank routing number info

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

No	ID	Name	Address	Established	Service Type
0	11583	Central Bank	11201 Clay Road, Houston, TX 77041	May 31, 1956	Full Service Brick and Mortar
2	242319	Milam Street Branch	2217 Milam, Houston, TX 77002	Febuary 02, 1989	Full Service Brick and Mortar
5	242321	Timbergrove Branch	1550 West 18th Street, Houston, TX 77008	May 15, 1997	Full Service Brick and Mortar
8	491192	Post Oak Place Branch	4605 Post Oak Place Drive, Houston, TX 77027	December 11, 2008	Full Service Brick and Mortar

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

Central Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Central Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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