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

This bank is inactive as of October 27, 1997

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

Houston National Bank - Overview

  • General
  • FDIC Certificate #: 25904
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sterling Bank (#21726)
    Federal Reserve ID: 196958
    Date Established: March 01, 1985
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    OTS Docket #: 9524
    FDIC's unique #: 32158
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: March 01, 1985
    Last Structure Change Effective Date: October 27, 1997
    Last Structure Change Process Date: November 14, 1997
    Last Data Update: November 14, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 5757 Memorial Drive, Houston, TX 77007
    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: $134.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $37Total assets
  • $132,264Cash and due from depository institutions
  • $6,922Interest-bearing balances
  • $0Securities
  • $53,783Federal funds sold & reverse repurchase agreements
  • $10,563Net loans & leases
  • $56,349Loan loss allowance
  • $475Trading account assets
  • $0Bank premises and fixed assets
  • $2,773Other real estate owned
  • $37Goodwill and other intangibles
  • $1,837Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $132,264Total liabilities
  • $124,758Total deposits
  • $122,931Interest-bearing deposits
  • $95,919Deposits held in domestic offices
  • 122931.00%% insured (estimated)
  • $55Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,827Total equity capital
  • $1,827Total bank equity capital
  • $7,506Perpetual preferred stock
  • $0Common stock
  • $3,000Surplus
  • $3,491Undivided profits
  • Memoranda
  • $1,015Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $336Income earned, not collected on loans
  • $418Earning assets
  • $120,695Long-term assets (5+ years)
  • $1,729Average Assets, year-to-date
  • $121,916Average Assets, quarterly
  • $128,753Volatile liabilities
  • $7,904Insider loans
  • $3,671FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $9,573Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,600Total risk weighted assets
  • $64,301Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $8,759Total interest expense
  • $3,077Net interest income
  • $5,682Provision for loan and lease losses
  • $230Total noninterest income
  • $547Fiduciary activities
  • $0Service charges on deposit accounts
  • $434Trading account gains & fees
  • $0Additional noninterest income
  • $113Total noninterest expense
  • $5,164Salaries and employee benefits
  • $2,840Premises and equipment expense
  • $596Additional noninterest expense
  • $1,728Pre-tax net operating income
  • $835Securities gains (losses)
  • $87Applicable income taxes
  • $347Income before extraordinary items
  • $575Extraordinary gains - net
  • $0Net income attributable to bank
  • $575Net charge-offs
  • $313Cash dividends
  • $90Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.79%Cost of funding earning assets
  • 2.74%Net interest margin
  • 5.05%Noninterest income to earning assets
  • 0.49%Noninterest expense to earning assets
  • 4.59%Net operating income to assets
  • 0.43%Return on assets (ROA)
  • 0.47%Pretax return on assets
  • 0.76%Return on equity (ROE)
  • 7.78%Retained earnings to average equity (YTD only)
  • 6.57%Net charge-offs to loans
  • 0.60%Credit loss provision to net charge-offs
  • 73.48%Efficiency ratio
  • 82,903Assets per employee
  • 3.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 15.65%Loss allowance to loans
  • 0.84%Loss allowance to noncurrent loans
  • 141.37%Noncurrent assets plus other real estate owned to assets
  • 0.28%Noncurrent loans to loans
  • 0.59%Net loans and leases to deposits
  • 45.84%Net loans and leases to core deposits
  • 48.99%Equity capital to assets
  • 5.68%Core capital (leverage) ratio
  • 5.87%Tier 1 risk-based capital ratio
  • 11.82%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $121,916Average earning assets
  • $7,386Average equity
  • $112,472Average loans

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