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

This bank is inactive as of October 21, 1999

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

Houston Commerce Bank - Overview

  • General
  • FDIC Certificate #: 18700
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sterling Bank (#21726)
    Federal Reserve ID: 709853
    Date Established: Febuary 15, 1963
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 15982
    FDIC's unique #: 12570
    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: Febuary 15, 1963
    Last Structure Change Effective Date: October 21, 1999
    Last Structure Change Process Date: November 17, 1999
    Last Data Update: November 17, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 13300 Almeda Road, Houston, TX 77045
    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: $107.6 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
  • 52Total employees (full-time equivalent)
  • $104,752Total assets
  • $3,601Cash and due from depository institutions
  • $0Interest-bearing balances
  • $8,871Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $87,272Net loans & leases
  • $659Loan loss allowance
  • $0Trading account assets
  • $2,852Bank premises and fixed assets
  • $372Other real estate owned
  • $176Goodwill and other intangibles
  • $0Life insurance assets
  • $1,608All other assets
  • $104,752Total liabilities and capital
  • $97,368Total liabilities
  • $94,113Total deposits
  • $70,440Interest-bearing deposits
  • $94,113Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,904Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,351All other liabilities
  • $7,384Total equity capital
  • $7,384Total bank equity capital
  • $7,384Perpetual preferred stock
  • $0Common stock
  • $754Surplus
  • $4,663Undivided profits
  • Memoranda
  • $1,967Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $385Earning assets
  • $0Long-term assets (5+ years)
  • $522Average Assets, year-to-date
  • $96,143Average Assets, quarterly
  • $4,832Volatile liabilities
  • $93,748Insider loans
  • $102,552FHLB advances
  • $20,772Loans and leases held for sale
  • $2,560Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $34,989Total unused commitments
  • $0Restructured Loans and leases
  • $90,376Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $7,646Total interest income
  • $2,615Total interest expense
  • $5,031Net interest income
  • $340Provision for loan and lease losses
  • $1,219Total noninterest income
  • $0Fiduciary activities
  • $906Service charges on deposit accounts
  • $0Trading account gains & fees
  • $313Additional noninterest income
  • $4,183Total noninterest expense
  • $2,141Salaries and employee benefits
  • $940Premises and equipment expense
  • $1,102Additional noninterest expense
  • $1,727Pre-tax net operating income
  • $0Securities gains (losses)
  • $730Applicable income taxes
  • $997Income before extraordinary items
  • $0Extraordinary gains - net
  • $997Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $77Sale, conversion, retirement of capital stock, net
  • $412Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.98%Yield on earning assets
  • 3.07%Cost of funding earning assets
  • 5.91%Net interest margin
  • 1.43%Noninterest income to earning assets
  • 4.91%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.84%Pretax return on assets
  • 14.02%Return on equity (ROE)
  • 8.22%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 441.56%Credit loss provision to net charge-offs
  • 26.84%Efficiency ratio
  • 66,672Assets per employee
  • 2.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.32%Loss allowance to loans
  • 0.75%Loss allowance to noncurrent loans
  • 171.17%Noncurrent assets plus other real estate owned to assets
  • 0.72%Noncurrent loans to loans
  • 0.44%Net loans and leases to deposits
  • 92.73%Net loans and leases to core deposits
  • 115.98%Equity capital to assets
  • 7.05%Core capital (leverage) ratio
  • 7.16%Tier 1 risk-based capital ratio
  • 7.97%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $93,748Average earning assets
  • $7,113Average equity
  • $85,127Average loans

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