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

This bank is inactive as of October 30, 2009

  • North Houston Bank in Houston, Texas (TX)
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North Houston Bank - Overview

  • General
  • FDIC Certificate #: 18776
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: U.S. Bank National Association (#6548)
    Federal Reserve ID: 215756
    Date Established: May 15, 1963
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 12638
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 15, 1963
    Last Structure Change Effective Date: October 30, 2009
    Last Structure Change Process Date: November 03, 2009
    Last Data Update: November 03, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 3945 East Little York Road, Houston, TX 77093
    County: Harris
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Chicago
    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
  • Absorption - Assisted
  • Financial Summary
  • Total assets: $325.5 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, 2008)

  • Dollar figures in thousands
  • 64Total employees (full-time equivalent)
  • $351,092Total assets
  • $7,681Cash and due from depository institutions
  • $567Interest-bearing balances
  • $19,068Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $285,852Net loans & leases
  • $4,325Loan loss allowance
  • $0Trading account assets
  • $2,590Bank premises and fixed assets
  • $6,617Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $29,284All other assets
  • $351,092Total liabilities and capital
  • $313,730Total liabilities
  • $251,276Total deposits
  • $219,451Interest-bearing deposits
  • $251,276Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $60,400Other borrowed funds
  • $0Subordinated debt
  • $2,054All other liabilities
  • $37,362Total equity capital
  • $37,362Total bank equity capital
  • $37,362Perpetual preferred stock
  • $0Common stock
  • $920Surplus
  • $67,480Undivided profits
  • Memoranda
  • $-31,038Noncurrent loans and leases
  • $96,443Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $6,913Earning assets
  • $0Long-term assets (5+ years)
  • $1,423Average Assets, year-to-date
  • $305,487Average Assets, quarterly
  • $26,457Volatile liabilities
  • $415,385Insider loans
  • $392,970FHLB advances
  • $155,770Loans and leases held for sale
  • $0Unused loan commitments
  • $60,400Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $96,443Total unused commitments
  • $0Restructured Loans and leases
  • $3,963Derivatives

Income and Expense (December 31, 2008)

  • Dollar figures in thousands
  • $26,944Total interest income
  • $11,806Total interest expense
  • $15,138Net interest income
  • $1,882Provision for loan and lease losses
  • $621Total noninterest income
  • $0Fiduciary activities
  • $673Service charges on deposit accounts
  • $1,322Trading account gains & fees
  • -$1,374Additional noninterest income
  • $10,263Total noninterest expense
  • $5,414Salaries and employee benefits
  • $1,395Premises and equipment expense
  • $3,454Additional noninterest expense
  • $3,614Pre-tax net operating income
  • -$50,861Securities gains (losses)
  • -$17,394Applicable income taxes
  • -$29,853Income before extraordinary items
  • $0Extraordinary gains - net
  • -$29,853Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,707Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2008)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.14%Yield on earning assets
  • 3.13%Cost of funding earning assets
  • 4.01%Net interest margin
  • 0.16%Noninterest income to earning assets
  • 2.72%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • -7.19%Return on assets (ROA)
  • -11.37%Pretax return on assets
  • -74.85%Return on equity (ROE)
  • -74.85%Retained earnings to average equity (YTD only)
  • 0.52%Net charge-offs to loans
  • 110.25%Credit loss provision to net charge-offs
  • 3.22%Efficiency ratio
  • 65,125Assets per employee
  • 5.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 62.56%Noncurrent assets plus other real estate owned to assets
  • 4.55%Noncurrent loans to loans
  • 2.38%Net loans and leases to deposits
  • 113.76%Net loans and leases to core deposits
  • 183.35%Equity capital to assets
  • 10.64%Core capital (leverage) ratio
  • 6.85%Tier 1 risk-based capital ratio
  • 8.79%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $415,385Average earning assets
  • $39,884Average equity
  • $377,235Average loans

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