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

Golden Bank, National Association - Overview

  • General
  • FDIC Certificate #: 26223
    Status: Active
    Federal Reserve ID: 536059
    Date Established: May 03, 1985
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 32555
    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: May 03, 1985
    Last Structure Change Effective Date: October 01, 2006
    Last Structure Change Process Date: December 13, 2006
    Last Data Update: December 13, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 9315 Bellaire Boulevard, Houston, TX 77036
    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
  • Name Change
  • Financial Summary
  • Total assets: $517.5 mil
    Equity capital: $66.5 mil
    Deposits held in domestic offices: $446.3 mil
    Return on assets (ROA): 0.51% ($2.6 mil)
    Quarterly return on assets: 0.61% ($3.2 mil)
    Return on Equity (ROE): 4.11% ($2.8 mil)
    Quarterly return on equity: 4.80% ($3.2 mil)
    Net income: $2.7 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 0.69% ($3,570.5 mil)
    Quarterly Pretax return on assets: 0.82% ($4,243.2 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
  • 89Total employees (full-time equivalent)
  • $517,463Total assets
  • $122,537Cash and due from depository institutions
  • $109,940Interest-bearing balances
  • $84,498Securities
  • $2,585Federal funds sold & reverse repurchase agreements
  • $285,612Net loans & leases
  • $7,004Loan loss allowance
  • $0Trading account assets
  • $3,758Bank premises and fixed assets
  • $8,173Other real estate owned
  • $0Goodwill and other intangibles
  • $517,463Life insurance assets
  • $10,300All other assets
  • $450,951Total liabilities and capital
  • $446,344Total liabilities
  • $399,454Total deposits
  • $446,344Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $1,607Subordinated debt
  • $66,512All other liabilities
  • $66,512Total equity capital
  • $66,512Total bank equity capital
  • $0Perpetual preferred stock
  • $5,000Common stock
  • $12,514Surplus
  • $48,998Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $15,715Income earned, not collected on loans
  • $0Earning assets
  • $703Long-term assets (5+ years)
  • $482,635Average Assets, year-to-date
  • $69,831Average Assets, quarterly
  • $521,144Volatile liabilities
  • $517,501Insider loans
  • $326,772FHLB advances
  • $521,926Loans and leases held for sale
  • $2,183Unused loan commitments
  • $2,183Tier 1 (core) risk-based capital
  • $64,644Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,723Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,066Total interest income
  • $4,692Total interest expense
  • $16,374Net interest income
  • -$57Provision for loan and lease losses
  • -$1,108Total noninterest income
  • $0Fiduciary activities
  • $406Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,514Additional noninterest income
  • $11,959Total noninterest expense
  • $6,469Salaries and employee benefits
  • $974Premises and equipment expense
  • $4,516Additional noninterest expense
  • $3,364Pre-tax net operating income
  • $220Securities gains (losses)
  • $921Applicable income taxes
  • $2,663Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,663Net income attributable to bank
  • $0Net charge-offs
  • $2,663Cash dividends
  • $782Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.38%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 3.41%Net interest margin
  • -0.23%Noninterest income to earning assets
  • 2.49%Noninterest expense to earning assets
  • 0.48%Net operating income to assets
  • 0.51%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 4.11%Return on equity (ROE)
  • 4.11%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • -7.29%Credit loss provision to net charge-offs
  • 4.23%Efficiency ratio
  • 78,337Assets per employee
  • 5.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.39%Loss allowance to noncurrent loans
  • 44.57%Noncurrent assets plus other real estate owned to assets
  • 4.62%Noncurrent loans to loans
  • 5.37%Net loans and leases to deposits
  • 63.99%Net loans and leases to core deposits
  • 65.20%Equity capital to assets
  • 12.85%Core capital (leverage) ratio
  • 12.39%Tier 1 risk-based capital ratio
  • 19.78%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $521,144Average earning assets
  • $64,739Average equity
  • $480,758Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032555Golden Bank, National Association9315 Bellaire Boulevard, Houston, TX 77036May 03, 1985Full Service Brick and Mortar
    1258555Champions Branch6623 Fm 1960 West, Suite 100, Houston, TX 77069Febuary 15, 1995Full Service Brick and Mortar
    2258556Sugar Land Branch2287 Highway 6, Sugar Land, TX 77478August 07, 1995Full Service Brick and Mortar
    3258557Richardson Branch300 E. Terrace Drive, Suite 309, Richardson, TX 75081August 08, 1996Full Service Brick and Mortar
    4466233Legacy Branch240 Legacy Dr., #210, Plano, TX 75023January 01, 2007Full Service Brick and Mortar
    5493138Harwin Branch7250 Harwin, Suite #d, Houston, TX 77036March 25, 2009Full Service Retail

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