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)
  • Show street view No street view available for this location

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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Guardian Bank of Houston.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents