Charter Bank, S.S.B. in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 30, 1996

  • Charter Bank, S.S.B. in Houston, Texas (TX)
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Charter Bank, S.S.B. - Overview

  • General
  • FDIC Certificate #: 32437
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Charter National Bank - Houston (#18755)
    Federal Reserve ID: 807179
    Date Established: December 27, 1985
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 8262
    FDIC's unique #: 45271
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 27, 1985
    Last Structure Change Effective Date: April 30, 1996
    Last Structure Change Process Date: June 03, 1996
    Last Data Update: June 03, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 4672 Beechnut Street, Houston, TX 77096
    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: $119.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $38Total assets
  • $130,056Cash and due from depository institutions
  • $1,060Interest-bearing balances
  • $0Securities
  • $19,627Federal funds sold & reverse repurchase agreements
  • $13,352Net loans & leases
  • $93,017Loan loss allowance
  • $941Trading account assets
  • $0Bank premises and fixed assets
  • $890Other real estate owned
  • $482Goodwill and other intangibles
  • $841Life insurance assets
  • $787All other assets
  • $0Total liabilities and capital
  • $130,056Total liabilities
  • $119,671Total deposits
  • $88,939Interest-bearing deposits
  • $87,805Deposits held in domestic offices
  • 88939.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $7,500Trading liabilities
  • $0Other borrowed funds
  • $22,019Subordinated debt
  • $0All other liabilities
  • $1,213Total equity capital
  • $1,213Total bank equity capital
  • $10,385Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $7,899Undivided profits
  • Memoranda
  • $2,485Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $883Income earned, not collected on loans
  • $674Earning assets
  • $125,996Long-term assets (5+ years)
  • $27,918Average Assets, year-to-date
  • $134,671Average Assets, quarterly
  • $129,927Volatile liabilities
  • $18,959Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $106Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $9,186Total risk weighted assets
  • $67,216Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $13,245Total interest expense
  • $7,410Net interest income
  • $5,835Provision for loan and lease losses
  • $250Total noninterest income
  • $42Fiduciary activities
  • $0Service charges on deposit accounts
  • $35Trading account gains & fees
  • $0Additional noninterest income
  • $7Total noninterest expense
  • $2,883Salaries and employee benefits
  • $1,187Premises and equipment expense
  • $484Additional noninterest expense
  • $1,212Pre-tax net operating income
  • $2,744Securities gains (losses)
  • $477Applicable income taxes
  • $1,148Income before extraordinary items
  • $2,073Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,073Net charge-offs
  • $108Cash dividends
  • $1,670Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 10.20%Cost of funding earning assets
  • 5.70%Net interest margin
  • 4.49%Noninterest income to earning assets
  • 0.03%Noninterest expense to earning assets
  • 2.22%Net operating income to assets
  • 1.31%Return on assets (ROA)
  • 1.54%Pretax return on assets
  • 2.39%Return on equity (ROE)
  • 20.84%Retained earnings to average equity (YTD only)
  • 4.05%Net charge-offs to loans
  • 0.12%Credit loss provision to net charge-offs
  • 231.48%Efficiency ratio
  • 48,052Assets per employee
  • 3.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.56%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 106.57%Noncurrent assets plus other real estate owned to assets
  • 1.05%Noncurrent loans to loans
  • 0.94%Net loans and leases to deposits
  • 104.59%Net loans and leases to core deposits
  • 120.05%Equity capital to assets
  • 7.99%Core capital (leverage) ratio
  • 7.20%Tier 1 risk-based capital ratio
  • 13.67%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $134,671Average earning assets
  • $9,947Average equity
  • $129,908Average loans

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