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

Houston Community Bank, National Association - Overview

  • General
  • FDIC Certificate #: 23453
    Status: Active
    Federal Reserve ID: 472858
    Bank Holding Company (Regulatory Top Holder): Houston City Bancshares, Inc. (RSSDID: 1110269, Location: Houston, TX)
    Date Established: June 01, 1981
    WWW: http://www.houstoncommunitybank.com
    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)
    OTS Docket #: 10628
    FDIC's unique #: 16436
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 01, 1981
    Last Structure Change Effective Date: July 15, 2011
    Last Structure Change Process Date: August 15, 2011
    Last Data Update: August 15, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 11390 Veterans Memorial, Houston, TX 77067
    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
  • Office Purchased
  • Financial Summary
  • Total assets: $255.5 mil
    Equity capital: $25.1 mil
    Deposits held in domestic offices: $229.6 mil
    Return on assets (ROA): 1.79% ($4.6 mil)
    Quarterly return on assets: 1.41% ($3.6 mil)
    Return on Equity (ROE): 18.85% ($4.7 mil)
    Quarterly return on equity: 14.65% ($3.7 mil)
    Net income: $4.5 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 1.79% ($4,573.9 mil)
    Quarterly Pretax return on assets: 1.41% ($3,602.9 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
  • 72Total employees (full-time equivalent)
  • $255,525Total assets
  • $37,142Cash and due from depository institutions
  • $33,235Interest-bearing balances
  • $26,705Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $179,129Net loans & leases
  • $2,143Loan loss allowance
  • $0Trading account assets
  • $7,855Bank premises and fixed assets
  • $537Other real estate owned
  • $1,030Goodwill and other intangibles
  • $255,525Life insurance assets
  • $3,127All other assets
  • $230,470Total liabilities and capital
  • $229,645Total liabilities
  • $171,428Total deposits
  • $229,645Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $825Subordinated debt
  • $25,055All other liabilities
  • $25,055Total equity capital
  • $25,055Total bank equity capital
  • $0Perpetual preferred stock
  • $1,088Common stock
  • $2,944Surplus
  • $21,023Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $328Income earned, not collected on loans
  • $0Earning assets
  • $1,137Long-term assets (5+ years)
  • $239,069Average Assets, year-to-date
  • $69,507Average Assets, quarterly
  • $250,213Volatile liabilities
  • $257,660Insider loans
  • $180,479FHLB advances
  • $254,279Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $23,403Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,067Restructured Loans and leases
  • $1,607Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,684Total interest income
  • $1,570Total interest expense
  • $11,114Net interest income
  • $185Provision for loan and lease losses
  • $1,202Total noninterest income
  • $0Fiduciary activities
  • $855Service charges on deposit accounts
  • $0Trading account gains & fees
  • $347Additional noninterest income
  • $8,335Total noninterest expense
  • $5,023Salaries and employee benefits
  • $951Premises and equipment expense
  • $2,361Additional noninterest expense
  • $3,796Pre-tax net operating income
  • $672Securities gains (losses)
  • $0Applicable income taxes
  • $4,468Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,468Net income attributable to bank
  • $0Net charge-offs
  • $4,468Cash dividends
  • $25Sale, conversion, retirement of capital stock, net
  • $2,467Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.36%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 4.70%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • 1.52%Net operating income to assets
  • 1.79%Return on assets (ROA)
  • 1.79%Pretax return on assets
  • 18.85%Return on equity (ROE)
  • 8.44%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 740.00%Credit loss provision to net charge-offs
  • 159.24%Efficiency ratio
  • 67,660Assets per employee
  • 3.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 55.21%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 653.35%Noncurrent assets plus other real estate owned to assets
  • 0.34%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 78.00%Net loans and leases to core deposits
  • 108.86%Equity capital to assets
  • 9.81%Core capital (leverage) ratio
  • 9.20%Tier 1 risk-based capital ratio
  • 12.97%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $250,213Average earning assets
  • $23,706Average equity
  • $236,660Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016436Houston Community Bank, National Association11390 Veterans Memorial, Houston, TX 77067June 01, 1981Full Service Brick and Mortar
    1256343Humble Community Branch1515 Fm 1960 East Bypass, Humble, TX 77338January 20, 1998Full Service Brick and Mortar
    2362556Houston Community Bank, Fort Bend Branch19855 Southwest Freeway, Suite 100, Sugar Land, TX 77479November 09, 2001Full Service Brick and Mortar
    3430118Houston Community Bank, Stafford Branch13811 Murphy Road (Fm 1092), Stafford, TX 77477January 20, 2004Full Service Brick and Mortar
    4493618Porter Branch22240 Farris Green, Porter, TX 77365November 24, 2008Full Service Brick and Mortar
    5480421Mykawa Branch4605 W Broadway, Pearland, TX 77581June 30, 2008Full Service Brick and Mortar

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