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

This bank is inactive as of August 24, 1998

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

Humble National Bank - Overview

  • General
  • FDIC Certificate #: 23159
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sterling Bank (#21726)
    Federal Reserve ID: 582850
    Date Established: July 01, 1980
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    OTS Docket #: 11089
    FDIC's unique #: 16226
    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: July 01, 1980
    Last Structure Change Effective Date: August 24, 1998
    Last Structure Change Process Date: September 23, 1998
    Last Data Update: September 23, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 111 F.M. 1960 East By-Pass, Humble, TX 77338
    County: Harris
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Kansas City
    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: $54.1 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 36Total employees (full-time equivalent)
  • $54,172Total assets
  • $4,073Cash and due from depository institutions
  • $0Interest-bearing balances
  • $14,738Securities
  • $7,500Federal funds sold & reverse repurchase agreements
  • $25,289Net loans & leases
  • $253Loan loss allowance
  • $0Trading account assets
  • $1,545Bank premises and fixed assets
  • $197Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $830All other assets
  • $54,172Total liabilities and capital
  • $50,712Total liabilities
  • $49,573Total deposits
  • $33,058Interest-bearing deposits
  • $49,573Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,139All other liabilities
  • $3,460Total equity capital
  • $3,460Total bank equity capital
  • $3,460Perpetual preferred stock
  • $0Common stock
  • $1,417Surplus
  • $751Undivided profits
  • Memoranda
  • $1,292Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $34Earning assets
  • $27Long-term assets (5+ years)
  • $145Average Assets, year-to-date
  • $47,527Average Assets, quarterly
  • $8,486Volatile liabilities
  • $47,279Insider loans
  • $51,532FHLB advances
  • $2,139Loans and leases held for sale
  • $266Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,820Total unused commitments
  • $0Restructured Loans and leases
  • $29,956Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $3,419Total interest income
  • $1,045Total interest expense
  • $2,374Net interest income
  • $96Provision for loan and lease losses
  • $1,180Total noninterest income
  • $0Fiduciary activities
  • $1,039Service charges on deposit accounts
  • $0Trading account gains & fees
  • $141Additional noninterest income
  • $2,935Total noninterest expense
  • $1,022Salaries and employee benefits
  • $466Premises and equipment expense
  • $1,447Additional noninterest expense
  • $523Pre-tax net operating income
  • $0Securities gains (losses)
  • $260Applicable income taxes
  • $263Income before extraordinary items
  • $0Extraordinary gains - net
  • $263Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $34Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.39%Yield on earning assets
  • 2.56%Cost of funding earning assets
  • 5.82%Net interest margin
  • 2.89%Noninterest income to earning assets
  • 7.20%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 7.88%Return on equity (ROE)
  • 7.88%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 282.35%Credit loss provision to net charge-offs
  • 18.21%Efficiency ratio
  • 82,583Assets per employee
  • 1.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 744.12%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 51.01%Net loans and leases to core deposits
  • 53.31%Equity capital to assets
  • 6.39%Core capital (leverage) ratio
  • 6.78%Tier 1 risk-based capital ratio
  • 11.36%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $47,279Average earning assets
  • $3,338Average equity
  • $40,766Average loans

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