Encore Bank, National Association in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Encore Bank, National Association - Overview

  • General
  • FDIC Certificate #: 34378
    Status: Active
    Federal Reserve ID: 2558970
    Bank Holding Company (Regulatory Top Holder): Encore Bancshares, Inc. (RSSDID: 3555341, Location: Houston, TX)
    Date Established: December 20, 1956
    WWW: http://www.encorebank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 14 (Domestic: 14, Interstate: No)
    FDIC's unique #: 57141
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 30, 2007
    Last Structure Change Effective Date: June 30, 2007
    Last Structure Change Process Date: July 17, 2007
    Last Data Update: July 17, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: Nine East Greenway Plaza, Suite 1000, Houston, TX 77046
    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
  • Participated in Absorption/Consolidation/Merger
    Change in Location
    Name Change
  • Financial Summary
  • Total assets: $1,514.4 mil
    Equity capital: $179.6 mil
    Deposits held in domestic offices: $1,108.2 mil
    Return on assets (ROA): 0.49% ($7.4 mil)
    Quarterly return on assets: 0.63% ($9.5 mil)
    Return on Equity (ROE): 4.14% ($7.5 mil)
    Quarterly return on equity: 5.25% ($9.4 mil)
    Net income: $7.3 mil
    Quarterly Net income: $2.3 mil
    Pretax return on assets: 0.72% ($10,903.4 mil)
    Quarterly Pretax return on assets: 0.93% ($14,083.6 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
  • 257Total employees (full-time equivalent)
  • $1,514,363Total assets
  • $127,800Cash and due from depository institutions
  • $114,403Interest-bearing balances
  • $270,431Securities
  • $1,269Federal funds sold & reverse repurchase agreements
  • $1,007,296Net loans & leases
  • $17,968Loan loss allowance
  • $0Trading account assets
  • $6,391Bank premises and fixed assets
  • $2,090Other real estate owned
  • $35,729Goodwill and other intangibles
  • $1,514,363Life insurance assets
  • $63,357All other assets
  • $1,334,803Total liabilities and capital
  • $1,108,170Total liabilities
  • $768,183Total deposits
  • $1,108,170Interest-bearing deposits
  • $63Deposits held in domestic offices
  • 10483.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $208,219Trading liabilities
  • $0Other borrowed funds
  • $7,931Subordinated debt
  • $179,560All other liabilities
  • $179,560Total equity capital
  • $179,560Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $190,261Surplus
  • $-10,951Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,778Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,789Income earned, not collected on loans
  • $391Earning assets
  • $5,133Long-term assets (5+ years)
  • $1,393,399Average Assets, year-to-date
  • $449,876Average Assets, quarterly
  • $1,469,470Volatile liabilities
  • $1,488,114Insider loans
  • $1,058,524FHLB advances
  • $1,440,963Loans and leases held for sale
  • $16,508Unused loan commitments
  • $9,979Tier 1 (core) risk-based capital
  • $132,088Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,529Total unused commitments
  • $175,117Restructured Loans and leases
  • $2,931Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $63,979Total interest income
  • $17,005Total interest expense
  • $46,974Net interest income
  • $7,252Provision for loan and lease losses
  • $20,347Total noninterest income
  • $10,048Fiduciary activities
  • $1,229Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9,070Additional noninterest income
  • $49,324Total noninterest expense
  • $30,450Salaries and employee benefits
  • $4,816Premises and equipment expense
  • $14,058Additional noninterest expense
  • $10,745Pre-tax net operating income
  • -$95Securities gains (losses)
  • $3,394Applicable income taxes
  • $7,256Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,256Net income attributable to bank
  • $0Net charge-offs
  • $7,256Cash dividends
  • $7,923Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.78%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 3.51%Net interest margin
  • 1.52%Noninterest income to earning assets
  • 3.68%Noninterest expense to earning assets
  • 0.50%Net operating income to assets
  • 0.49%Return on assets (ROA)
  • 0.72%Pretax return on assets
  • 4.14%Return on equity (ROE)
  • 4.14%Retained earnings to average equity (YTD only)
  • 0.82%Net charge-offs to loans
  • 91.53%Credit loss provision to net charge-offs
  • 2.27%Efficiency ratio
  • 72,698Assets per employee
  • 5.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 166.54%Noncurrent assets plus other real estate owned to assets
  • 0.85%Noncurrent loans to loans
  • 1.05%Net loans and leases to deposits
  • 90.90%Net loans and leases to core deposits
  • 99.55%Equity capital to assets
  • 11.86%Core capital (leverage) ratio
  • 9.17%Tier 1 risk-based capital ratio
  • 12.48%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $1,469,470Average earning assets
  • $175,299Average equity
  • $1,339,659Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,007,396Managed Assets
  • 1Number of Accounts
  • $991,179Personal trust and agency accounts
  • $904,017Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $5,714Other retirement accounts
  • $14,793Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $63,641Other fiduciary accounts
  • $3,014Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2186Number of Accounts
  • $0Personal trust and agency accounts
  • $14,793Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $16,217Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $13,656Fiduciary accounts held in foreign offices

List of branches

  • 14 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057141Encore Bank, National AssociationNine East Greenway Plaza, Suite 1000, Houston, TX 77046December 20, 1956Full Service Brick and Mortar
    1590525433 Westheimer Road Branch5433 Westheimer Road, Houston, TX 77056March 31, 1997Full Service Brick and Mortar
    327979312500 Memorial Branch12520 Memorial Dr, Houston, TX 77024June 30, 1985Full Service Brick and Mortar
    7436688Champions Forest5544 Fm 1960 Road West, Houston, TX 77069July 14, 2003Full Service Brick and Mortar
    8463617Sugar Land Branch4647 Sweetwater Blvd., Ste A, Sugar Land, TX 77479May 30, 2006Full Service Brick and Mortar
    9463618The Woodlands Branch9595 Six Pines Dr., Suite 1500, The Woodlands, TX 77380September 07, 2004Full Service Brick and Mortar
    10463619West University Branch5815 Kirby Drive, Houston, TX 77005January 20, 2004Full Service Brick and Mortar
    11463621Highland Village Branch3754 Westheimer Rd, Houston, TX 77027January 05, 2004Full Service Brick and Mortar
    12463622Downtown Houston909 Fannin, Ste 1350, Houston, TX 77010August 04, 2003Full Service Brick and Mortar
    13463623River Oaks Branch2049 West Gray St., Houston, TX 77019August 01, 2002Full Service Brick and Mortar
    14463624Tanglewood Branch6330 San Felipe St, Houston, TX 77057March 17, 2003Full Service Brick and Mortar
    15463625Greenway Branch9 E Greenway Plaza, Ste 110, Houston, TX 77046March 21, 2005Full Service Brick and Mortar
    16463626Medical Center Branch6400 Fannin St, Ste 222, Houston, TX 77030Febuary 15, 2007Full Service Brick and Mortar
    19527713Eldridge Parkway Branch845 North Eldridge Parkway, Houston, TX 77079December 19, 2011Full Service Brick and Mortar

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