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

This bank is inactive as of July 07, 1995

  • National Bank of Conroe in Conroe, Texas (TX)
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National Bank of Conroe - Overview

  • General
  • FDIC Certificate #: 24469
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Woodforest National Bank (#23220)
    Federal Reserve ID: 804253
    Date Established: April 25, 1983
    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 #: 17006
    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: April 25, 1983
    Last Structure Change Effective Date: July 07, 1995
    Last Structure Change Process Date: October 11, 1995
    Last Data Update: October 11, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: Wilson Road And Interstate 45, Conroe, TX 77305
    County: Montgomery
    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
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $123.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $67Total assets
  • $127,807Cash and due from depository institutions
  • $15,471Interest-bearing balances
  • $5,253Securities
  • $8,706Federal funds sold & reverse repurchase agreements
  • $10,000Net loans & leases
  • $88,688Loan loss allowance
  • $587Trading account assets
  • $0Bank premises and fixed assets
  • $2,744Other real estate owned
  • $1,142Goodwill and other intangibles
  • $1,056Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $127,807Total liabilities
  • $118,147Total deposits
  • $117,369Interest-bearing deposits
  • $95,481Deposits held in domestic offices
  • 117369.00%% insured (estimated)
  • $73Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $778Total equity capital
  • $778Total bank equity capital
  • $9,660Perpetual preferred stock
  • $0Common stock
  • $2,481Surplus
  • $1,712Undivided profits
  • Memoranda
  • $5,467Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $286Income earned, not collected on loans
  • $862Earning assets
  • $112,647Long-term assets (5+ years)
  • $2,973Average Assets, year-to-date
  • $118,948Average Assets, quarterly
  • $124,696Volatile liabilities
  • $29,457Insider loans
  • $596FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $13,071Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $9,744Total risk weighted assets
  • $72,270Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $8,646Total interest expense
  • $3,070Net interest income
  • $5,576Provision for loan and lease losses
  • $155Total noninterest income
  • $893Fiduciary activities
  • $0Service charges on deposit accounts
  • $679Trading account gains & fees
  • $0Additional noninterest income
  • $214Total noninterest expense
  • $4,037Salaries and employee benefits
  • $1,985Premises and equipment expense
  • $728Additional noninterest expense
  • $1,324Pre-tax net operating income
  • $2,277Securities gains (losses)
  • $0Applicable income taxes
  • $697Income before extraordinary items
  • $1,580Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,580Net charge-offs
  • $101Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.14%Cost of funding earning assets
  • 2.89%Net interest margin
  • 5.25%Noninterest income to earning assets
  • 0.84%Noninterest expense to earning assets
  • 3.80%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 1.91%Return on equity (ROE)
  • 17.64%Retained earnings to average equity (YTD only)
  • 17.64%Net charge-offs to loans
  • 0.12%Credit loss provision to net charge-offs
  • 153.47%Efficiency ratio
  • 62,405Assets per employee
  • 1.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.66%Loss allowance to noncurrent loans
  • 205.24%Noncurrent assets plus other real estate owned to assets
  • 1.12%Noncurrent loans to loans
  • 0.32%Net loans and leases to deposits
  • 75.56%Net loans and leases to core deposits
  • 100.88%Equity capital to assets
  • 7.56%Core capital (leverage) ratio
  • 7.81%Tier 1 risk-based capital ratio
  • 13.48%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $118,948Average earning assets
  • $8,955Average equity
  • $106,239Average loans

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