FDIC Certificate #: 26809 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Tradition Bank - Bellaire (#23032) Federal Reserve ID: 605852 Date Established: October 01, 1986 WWW:http://www.katybank.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) FDIC's unique #: 35989 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: October 01, 1986 Last Structure Change Effective Date: March 30, 2004 Last Structure Change Process Date: April 13, 2004 Last Data Update: April 13, 2004 Data Source Date: April 05, 2012
Location
Address: 701 Pin Oak Road, Katy, TX 77491 County: Fort Bend 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: $43.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
23Total employees (full-time equivalent)
$43,523Total assets
$3,202Cash and due from depository institutions
$0Interest-bearing balances
$13,577Securities
$1,070Federal funds sold & reverse repurchase agreements
$22,390Net loans & leases
$271Loan loss allowance
$0Trading account assets
$2,987Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$297All other assets
$43,523Total liabilities and capital
$40,537Total liabilities
$40,366Total deposits
$25,867Interest-bearing deposits
$40,366Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$171All other liabilities
$2,986Total equity capital
$2,986Total bank equity capital
$2,986Perpetual preferred stock
$0Common stock
$1,250Surplus
$1,250Undivided profits
Memoranda
$486Noncurrent loans and leases
$1,131Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$492Earning assets
$0Long-term assets (5+ years)
$176Average Assets, year-to-date
$37,037Average Assets, quarterly
$10,487Volatile liabilities
$43,217Insider loans
$43,337FHLB advances
$5,802Loans and leases held for sale
$135Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,131Total unused commitments
$0Restructured Loans and leases
$271Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$1,910Total interest income
$468Total interest expense
$1,442Net interest income
$60Provision for loan and lease losses
$604Total noninterest income
$0Fiduciary activities
$514Service charges on deposit accounts
$0Trading account gains & fees
$90Additional noninterest income
$1,883Total noninterest expense
$954Salaries and employee benefits
$331Premises and equipment expense
$598Additional noninterest expense
$103Pre-tax net operating income
$179Securities gains (losses)
$86Applicable income taxes
$196Income before extraordinary items
$0Extraordinary gains - net
$196Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$28Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.22%Yield on earning assets
1.28%Cost of funding earning assets
3.94%Net interest margin
1.65%Noninterest income to earning assets
5.14%Noninterest expense to earning assets
0.16%Net operating income to assets
0.45%Return on assets (ROA)
0.65%Pretax return on assets
6.52%Return on equity (ROE)
6.52%Retained earnings to average equity (YTD only)
-0.14%Net charge-offs to loans
-214.29%Credit loss provision to net charge-offs
0.00%Efficiency ratio
92,033Assets per employee
1.89%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.20%Loss allowance to noncurrent loans
55.08%Noncurrent assets plus other real estate owned to assets
1.13%Noncurrent loans to loans
2.17%Net loans and leases to deposits
55.47%Net loans and leases to core deposits
64.78%Equity capital to assets
6.86%Core capital (leverage) ratio
6.93%Tier 1 risk-based capital ratio
10.72%Total risk-based capital ratio
Memoranda
$12Average assets
$43,217Average earning assets
$3,006Average equity
$36,612Average loans
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