Clear Lake National Bank in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 09, 1999

  • Clear Lake National Bank in Houston, Texas (TX)
  • Show street view No street view available for this location

Clear Lake National Bank - Overview

  • General
  • FDIC Certificate #: 23593
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sterling Bank (#21726)
    Federal Reserve ID: 645559
    Date Established: November 09, 1981
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 16525
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: November 09, 1981
    Last Structure Change Effective Date: April 09, 1999
    Last Structure Change Process Date: May 14, 1999
    Last Data Update: May 14, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 16211 Space Center Boulevard, Houston, TX 77062
    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: $87.5 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, 1998)

  • Dollar figures in thousands
  • 48Total employees (full-time equivalent)
  • $93,761Total assets
  • $7,743Cash and due from depository institutions
  • $500Interest-bearing balances
  • $6,638Securities
  • $14,800Federal funds sold & reverse repurchase agreements
  • $60,212Net loans & leases
  • $661Loan loss allowance
  • $0Trading account assets
  • $3,524Bank premises and fixed assets
  • $290Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $554All other assets
  • $93,761Total liabilities and capital
  • $88,243Total liabilities
  • $86,704Total deposits
  • $55,224Interest-bearing deposits
  • $86,704Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,223Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $316All other liabilities
  • $5,518Total equity capital
  • $5,518Total bank equity capital
  • $5,518Perpetual preferred stock
  • $0Common stock
  • $1,150Surplus
  • $1,915Undivided profits
  • Memoranda
  • $2,453Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $29Earning assets
  • $0Long-term assets (5+ years)
  • $324Average Assets, year-to-date
  • $82,150Average Assets, quarterly
  • $1,820Volatile liabilities
  • $84,049Insider loans
  • $90,353FHLB advances
  • $8,238Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $15,648Total unused commitments
  • $0Restructured Loans and leases
  • $67,961Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $6,447Total interest income
  • $1,784Total interest expense
  • $4,663Net interest income
  • $433Provision for loan and lease losses
  • $859Total noninterest income
  • $0Fiduciary activities
  • $498Service charges on deposit accounts
  • $0Trading account gains & fees
  • $361Additional noninterest income
  • $4,855Total noninterest expense
  • $2,237Salaries and employee benefits
  • $874Premises and equipment expense
  • $1,744Additional noninterest expense
  • $234Pre-tax net operating income
  • $0Securities gains (losses)
  • $109Applicable income taxes
  • $125Income before extraordinary items
  • $0Extraordinary gains - net
  • $125Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $49Sale, conversion, retirement of capital stock, net
  • $450Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.84%Yield on earning assets
  • 2.45%Cost of funding earning assets
  • 6.39%Net interest margin
  • 1.18%Noninterest income to earning assets
  • 6.65%Noninterest expense to earning assets
  • 0.15%Net operating income to assets
  • 0.15%Return on assets (ROA)
  • 0.28%Pretax return on assets
  • 2.13%Return on equity (ROE)
  • -5.53%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 883.67%Credit loss provision to net charge-offs
  • 13.61%Efficiency ratio
  • 87,921Assets per employee
  • 1.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 360.00%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 2279.31%Noncurrent assets plus other real estate owned to assets
  • 0.34%Noncurrent loans to loans
  • 0.05%Net loans and leases to deposits
  • 69.45%Net loans and leases to core deposits
  • 75.56%Equity capital to assets
  • 5.89%Core capital (leverage) ratio
  • 6.17%Tier 1 risk-based capital ratio
  • 8.12%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $84,049Average earning assets
  • $5,877Average equity
  • $72,957Average loans

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