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


Oasis Bank, SSB - Overview

  • General
  • FDIC Certificate #: 58342
    Status: Active
    Federal Reserve ID: 3599578
    Date Established: May 10, 2007
    WWW: http://www.bankoasis.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 446817
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: May 10, 2007
    Last Structure Change Effective Date: Febuary 10, 2010
    Last Structure Change Process Date: Febuary 10, 2011
    Last Data Update: Febuary 10, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1800 West Loop South, 13th Floor, Houston, TX 77027
    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)
  • Financial Summary
  • Total assets: $81.3 mil
    Equity capital: $9.5 mil
    Deposits held in domestic offices: $70.2 mil
    Return on assets (ROA): 1.06% ($0.9 mil)
    Quarterly return on assets: 1.17% ($0.9 mil)
    Return on Equity (ROE): 9.43% ($0.9 mil)
    Quarterly return on equity: 10.08% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.77% ($625.9 mil)
    Quarterly Pretax return on assets: 0.58% ($471.5 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
  • 14Total employees (full-time equivalent)
  • $81,288Total assets
  • $18,881Cash and due from depository institutions
  • $16,081Interest-bearing balances
  • $2,441Securities
  • $1,095Federal funds sold & reverse repurchase agreements
  • $57,838Net loans & leases
  • $602Loan loss allowance
  • $0Trading account assets
  • $79Bank premises and fixed assets
  • $96Other real estate owned
  • $0Goodwill and other intangibles
  • $81,288Life insurance assets
  • $858All other assets
  • $71,763Total liabilities and capital
  • $70,185Total liabilities
  • $61,428Total deposits
  • $70,185Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,290Trading liabilities
  • $0Other borrowed funds
  • $288Subordinated debt
  • $9,525All other liabilities
  • $9,525Total equity capital
  • $9,525Total bank equity capital
  • $0Perpetual preferred stock
  • $1,341Common stock
  • $12,259Surplus
  • $-4,075Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $295Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $324Long-term assets (5+ years)
  • $77,455Average Assets, year-to-date
  • $1,907Average Assets, quarterly
  • $80,256Volatile liabilities
  • $81,166Insider loans
  • $41,143FHLB advances
  • $80,904Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,530Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $26Restructured Loans and leases
  • $512Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,188Total interest income
  • $770Total interest expense
  • $3,418Net interest income
  • $81Provision for loan and lease losses
  • $232Total noninterest income
  • $0Fiduciary activities
  • $67Service charges on deposit accounts
  • $0Trading account gains & fees
  • $165Additional noninterest income
  • $2,955Total noninterest expense
  • $1,328Salaries and employee benefits
  • $283Premises and equipment expense
  • $1,344Additional noninterest expense
  • $614Pre-tax net operating income
  • $0Securities gains (losses)
  • -$240Applicable income taxes
  • $854Income before extraordinary items
  • $0Extraordinary gains - net
  • $854Net income attributable to bank
  • $0Net charge-offs
  • $854Cash dividends
  • $101Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.45%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 4.45%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 3.84%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 0.77%Pretax return on assets
  • 9.43%Return on equity (ROE)
  • 9.43%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 80.20%Credit loss provision to net charge-offs
  • 6.88%Efficiency ratio
  • 80,959Assets per employee
  • 5.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 82.41%Net loans and leases to core deposits
  • 127.62%Equity capital to assets
  • 11.72%Core capital (leverage) ratio
  • 11.78%Tier 1 risk-based capital ratio
  • 23.16%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $80,256Average earning assets
  • $9,056Average equity
  • $76,857Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0446817Oasis Bank, Ssb1800 West Loop South, 13th Floor, Houston, TX 77027May 10, 2007Full Service Brick and Mortar

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