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
  • 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

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