OMNIBANK, National Association in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

OMNIBANK, National Association - Overview

  • General
  • FDIC Certificate #: 17325
    Status: Active
    Federal Reserve ID: 26859
    Bank Holding Company (Regulatory Top Holder): Bancshares, Inc. (RSSDID: 1101735, Location: Houston, TX)
    Date Established: May 15, 1954
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 11176
    FDIC's unique #: 11337
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 15, 1954
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 4328 Old Spanish Trail, Houston, TX 77021
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $335.9 mil
    Equity capital: $31.8 mil
    Deposits held in domestic offices: $302.2 mil
    Return on assets (ROA): -1.27% (-$4.3 mil)
    Quarterly return on assets: -2.91% (-$9.8 mil)
    Return on Equity (ROE): -12.91% (-$4.1 mil)
    Quarterly return on equity: -30.25% (-$9.7 mil)
    Net income: -$4.5 mil
    Quarterly Net income: -$2.5 mil
    Pretax return on assets: -1.90% (-$6,383.0 mil)
    Quarterly Pretax return on assets: -4.38% (-$14,714.6 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, 2011)

  • Dollar figures in thousands
  • 92Total employees (full-time equivalent)
  • $335,949Total assets
  • $97,036Cash and due from depository institutions
  • $83,991Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $210,729Net loans & leases
  • $6,695Loan loss allowance
  • $0Trading account assets
  • $7,385Bank premises and fixed assets
  • $10,325Other real estate owned
  • $0Goodwill and other intangibles
  • $335,949Life insurance assets
  • $10,474All other assets
  • $304,191Total liabilities and capital
  • $302,239Total liabilities
  • $213,546Total deposits
  • $302,239Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $928Trading liabilities
  • $0Other borrowed funds
  • $1,024Subordinated debt
  • $31,758All other liabilities
  • $31,758Total equity capital
  • $31,758Total bank equity capital
  • $0Perpetual preferred stock
  • $950Common stock
  • $3,650Surplus
  • $27,158Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $24,681Income earned, not collected on loans
  • $201Earning assets
  • $739Long-term assets (5+ years)
  • $294,720Average Assets, year-to-date
  • $38,935Average Assets, quarterly
  • $352,008Volatile liabilities
  • $342,938Insider loans
  • $225,198FHLB advances
  • $332,525Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $27,698Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $23,606Restructured Loans and leases
  • $679Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,386Total interest income
  • $2,001Total interest expense
  • $11,385Net interest income
  • $4,266Provision for loan and lease losses
  • -$203Total noninterest income
  • $0Fiduciary activities
  • $684Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$887Additional noninterest income
  • $13,597Total noninterest expense
  • $5,964Salaries and employee benefits
  • $2,249Premises and equipment expense
  • $5,384Additional noninterest expense
  • -$6,681Pre-tax net operating income
  • $0Securities gains (losses)
  • -$2,217Applicable income taxes
  • -$4,464Income before extraordinary items
  • $0Extraordinary gains - net
  • -$4,464Net income attributable to bank
  • $0Net charge-offs
  • -$4,464Cash dividends
  • $3,901Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 0.64%Cost of funding earning assets
  • 3.63%Net interest margin
  • -0.06%Noninterest income to earning assets
  • 4.33%Noninterest expense to earning assets
  • -1.27%Net operating income to assets
  • -1.27%Return on assets (ROA)
  • -1.90%Pretax return on assets
  • -12.91%Return on equity (ROE)
  • -12.91%Retained earnings to average equity (YTD only)
  • 1.55%Net charge-offs to loans
  • 109.36%Credit loss provision to net charge-offs
  • -0.62%Efficiency ratio
  • 121,597Assets per employee
  • 3.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.08%Loss allowance to noncurrent loans
  • 27.13%Noncurrent assets plus other real estate owned to assets
  • 10.42%Noncurrent loans to loans
  • 11.35%Net loans and leases to deposits
  • 69.72%Net loans and leases to core deposits
  • 71.56%Equity capital to assets
  • 9.45%Core capital (leverage) ratio
  • 8.33%Tier 1 risk-based capital ratio
  • 12.30%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $352,008Average earning assets
  • $34,588Average equity
  • $314,065Average loans

List of branches

  • 10 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011337Omnibank, National Association4328 Old Spanish Trail, Houston, TX 77021May 15, 1954Full Service Brick and Mortar
    113948Greenspoint Branch397 North Belt East, Houston, TX 77205October 09, 1970Full Service Brick and Mortar
    711791Lockhart BranchChurch And Market Streets, Lockhart, TX 78644March 27, 1958Full Service Brick and Mortar
    8241458Wayside Branch4600 South Wayside Drive, Houston, TX 77087November 06, 1986Full Service Brick and Mortar
    9241459Westchase BranchRichmond Avenue And Beltway 8, Houston, TX 77042September 02, 1997Full Service Brick and Mortar
    10241460Ominibank, Austin Branch3901-A Spicewood Springs Road, Austin, TX 78759June 15, 1998Full Service Brick and Mortar
    11424718Austin Bee Caves Branch11610 Bee Caves Road - Suite 100, Austin, TX 78746October 27, 2003Full Service Brick and Mortar
    12453859San Antonio Branch19026 Stone Oak Pkwy, Suite 205, San Antonio, TX 78258October 01, 2005Limited Service Loan Production
    13461772Omnibank San Antonio Branch1314 East Sonterra Boulevard, Suite 101, San Antonio, TX 78258March 05, 2007Full Service Brick and Mortar
    14474351Cedar Park Branch1861 South Lakeline Blvd., Cedar Park, TX 78613April 21, 2008Full Service Brick and Mortar

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