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

This bank is inactive as of January 03, 1995

  • Guardian Bank of Houston in Houston, Texas (TX)
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Guardian Bank of Houston - Overview

  • General
  • FDIC Certificate #: 20230
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sterling Bank (#21726)
    Federal Reserve ID: 8556
    Date Established: August 10, 1970
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 13911
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: August 10, 1970
    Last Structure Change Effective Date: January 03, 1995
    Last Structure Change Process Date: January 13, 1995
    Last Data Update: January 13, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 2201 Mangum Road, Houston, TX 77018
    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: $98.1 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $42Total assets
  • $98,055Cash and due from depository institutions
  • $6,130Interest-bearing balances
  • $0Securities
  • $29,760Federal funds sold & reverse repurchase agreements
  • $5,820Net loans & leases
  • $52,382Loan loss allowance
  • $1,454Trading account assets
  • $0Bank premises and fixed assets
  • $1,523Other real estate owned
  • $889Goodwill and other intangibles
  • $1,551Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $98,055Total liabilities
  • $90,577Total deposits
  • $89,569Interest-bearing deposits
  • $57,615Deposits held in domestic offices
  • 89569.00%% insured (estimated)
  • $85Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,008Total equity capital
  • $1,008Total bank equity capital
  • $7,478Perpetual preferred stock
  • $0Common stock
  • $1,500Surplus
  • $3,500Undivided profits
  • Memoranda
  • $2,478Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $424Income earned, not collected on loans
  • $379Earning assets
  • $87,962Long-term assets (5+ years)
  • $8,726Average Assets, year-to-date
  • $95,758Average Assets, quarterly
  • $97,948Volatile liabilities
  • $5,406Insider loans
  • $2,473FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $6,607Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,028Total risk weighted assets
  • $61,193Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,894Total interest expense
  • $1,825Net interest income
  • $5,069Provision for loan and lease losses
  • $45Total noninterest income
  • $1,197Fiduciary activities
  • $0Service charges on deposit accounts
  • $774Trading account gains & fees
  • $0Additional noninterest income
  • $423Total noninterest expense
  • $4,039Salaries and employee benefits
  • $2,108Premises and equipment expense
  • $529Additional noninterest expense
  • $1,402Pre-tax net operating income
  • $2,182Securities gains (losses)
  • $0Applicable income taxes
  • $645Income before extraordinary items
  • $1,537Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,537Net charge-offs
  • -$6Cash dividends
  • $1,212Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.00%Cost of funding earning assets
  • 2.12%Net interest margin
  • 5.88%Noninterest income to earning assets
  • 1.39%Noninterest expense to earning assets
  • 4.68%Net operating income to assets
  • 1.61%Return on assets (ROA)
  • 1.61%Pretax return on assets
  • 2.28%Return on equity (ROE)
  • 20.54%Retained earnings to average equity (YTD only)
  • 4.34%Net charge-offs to loans
  • -0.01%Credit loss provision to net charge-offs
  • -750.00%Efficiency ratio
  • 64,459Assets per employee
  • 2.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.85%Loss allowance to loans
  • 2.70%Loss allowance to noncurrent loans
  • 342.92%Noncurrent assets plus other real estate owned to assets
  • 1.34%Noncurrent loans to loans
  • 0.79%Net loans and leases to deposits
  • 58.48%Net loans and leases to core deposits
  • 62.24%Equity capital to assets
  • 7.63%Core capital (leverage) ratio
  • 8.07%Tier 1 risk-based capital ratio
  • 13.12%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $95,758Average earning assets
  • $7,483Average equity
  • $86,213Average loans

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