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

This bank is inactive as of May 19, 1995

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

National Commerce Bank - Overview

  • General
  • FDIC Certificate #: 26463
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: The Frost National Bank (#5510)
    Federal Reserve ID: 73059
    Date Established: December 12, 1985
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 33118
    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: December 12, 1985
    Last Structure Change Effective Date: May 19, 1995
    Last Structure Change Process Date: June 27, 1995
    Last Data Update: June 27, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 7505 Main Street, Houston, TX 77030
    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
  • Merger - Without Assistance
    Participated in Reorganization
    Corrections
  • Financial Summary
  • Total assets: $123.9 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)
  • $46Total assets
  • $137,101Cash and due from depository institutions
  • $7,832Interest-bearing balances
  • $0Securities
  • $18,759Federal funds sold & reverse repurchase agreements
  • $13,620Net loans & leases
  • $93,428Loan loss allowance
  • $948Trading account assets
  • $0Bank premises and fixed assets
  • $257Other real estate owned
  • $689Goodwill and other intangibles
  • $2,516Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $137,101Total liabilities
  • $125,724Total deposits
  • $124,902Interest-bearing deposits
  • $87,448Deposits held in domestic offices
  • 124902.00%% insured (estimated)
  • $71Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $822Total equity capital
  • $822Total bank equity capital
  • $11,377Perpetual preferred stock
  • $0Common stock
  • $2,495Surplus
  • $2,644Undivided profits
  • Memoranda
  • $6,238Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $431Income earned, not collected on loans
  • $632Earning assets
  • $125,807Long-term assets (5+ years)
  • $11,953Average Assets, year-to-date
  • $132,093Average Assets, quarterly
  • $137,817Volatile liabilities
  • $28,230Insider loans
  • $4,373FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $10,679Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $11,450Total risk weighted assets
  • $96,466Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $10,111Total interest expense
  • $2,581Net interest income
  • $7,530Provision for loan and lease losses
  • $65Total noninterest income
  • $738Fiduciary activities
  • $0Service charges on deposit accounts
  • $447Trading account gains & fees
  • $0Additional noninterest income
  • $291Total noninterest expense
  • $4,753Salaries and employee benefits
  • $2,255Premises and equipment expense
  • $700Additional noninterest expense
  • $1,798Pre-tax net operating income
  • $3,450Securities gains (losses)
  • $0Applicable income taxes
  • $1,147Income before extraordinary items
  • $2,303Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,303Net charge-offs
  • $66Cash dividends
  • $1,195Sale, conversion, retirement of capital stock, net
  • $19Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.27%Cost of funding earning assets
  • 2.11%Net interest margin
  • 6.16%Noninterest income to earning assets
  • 0.60%Noninterest expense to earning assets
  • 3.89%Net operating income to assets
  • 1.74%Return on assets (ROA)
  • 1.74%Pretax return on assets
  • 2.61%Return on equity (ROE)
  • 21.26%Retained earnings to average equity (YTD only)
  • 10.23%Net charge-offs to loans
  • 0.07%Credit loss provision to net charge-offs
  • 98.48%Efficiency ratio
  • 57,487Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.89%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 219.95%Noncurrent assets plus other real estate owned to assets
  • 0.82%Noncurrent loans to loans
  • 0.46%Net loans and leases to deposits
  • 74.80%Net loans and leases to core deposits
  • 96.64%Equity capital to assets
  • 8.30%Core capital (leverage) ratio
  • 8.73%Tier 1 risk-based capital ratio
  • 11.87%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $132,093Average earning assets
  • $10,831Average equity
  • $122,205Average loans

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with National Commerce Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents