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

This bank is inactive as of June 07, 1996

  • Park National Bank of Houston in Houston, Texas (TX)
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Park National Bank of Houston - Overview

  • General
  • FDIC Certificate #: 25757
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Frost National Bank (#5510)
    Federal Reserve ID: 714259
    Date Established: August 29, 1984
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    OTS Docket #: 11404
    FDIC's unique #: 17630
    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: August 29, 1984
    Last Structure Change Effective Date: June 07, 1996
    Last Structure Change Process Date: June 26, 1996
    Last Data Update: June 26, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 1313 Binz Street, Houston, TX 77288
    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: $269.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $123Total assets
  • $233,159Cash and due from depository institutions
  • $16,497Interest-bearing balances
  • $0Securities
  • $33,512Federal funds sold & reverse repurchase agreements
  • $19,154Net loans & leases
  • $155,871Loan loss allowance
  • $1,381Trading account assets
  • $0Bank premises and fixed assets
  • $5,612Other real estate owned
  • $793Goodwill and other intangibles
  • $1,720Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $233,159Total liabilities
  • $215,270Total deposits
  • $212,442Interest-bearing deposits
  • $146,279Deposits held in domestic offices
  • 212442.00%% insured (estimated)
  • $77Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $2,828Total equity capital
  • $2,828Total bank equity capital
  • $17,889Perpetual preferred stock
  • $0Common stock
  • $2,465Surplus
  • $2,484Undivided profits
  • Memoranda
  • $12,940Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $366Income earned, not collected on loans
  • $919Earning assets
  • $208,537Long-term assets (5+ years)
  • $3,481Average Assets, year-to-date
  • $226,197Average Assets, quarterly
  • $229,758Volatile liabilities
  • $38,795Insider loans
  • $2,143FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $28,562Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $17,889Total risk weighted assets
  • $156,009Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $18,172Total interest expense
  • $6,107Net interest income
  • $12,065Provision for loan and lease losses
  • $1,150Total noninterest income
  • $2,083Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,764Trading account gains & fees
  • $0Additional noninterest income
  • $319Total noninterest expense
  • $9,572Salaries and employee benefits
  • $5,448Premises and equipment expense
  • $1,442Additional noninterest expense
  • $2,682Pre-tax net operating income
  • $3,426Securities gains (losses)
  • $0Applicable income taxes
  • $620Income before extraordinary items
  • $2,806Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,806Net charge-offs
  • $243Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.95%Cost of funding earning assets
  • 3.01%Net interest margin
  • 5.94%Noninterest income to earning assets
  • 1.03%Noninterest expense to earning assets
  • 4.72%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.24%Pretax return on assets
  • 1.51%Return on equity (ROE)
  • 16.76%Retained earnings to average equity (YTD only)
  • 16.76%Net charge-offs to loans
  • 0.16%Credit loss provision to net charge-offs
  • 473.25%Efficiency ratio
  • 67,656Assets per employee
  • 1.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.88%Loss allowance to noncurrent loans
  • 377.32%Noncurrent assets plus other real estate owned to assets
  • 0.50%Noncurrent loans to loans
  • 0.23%Net loans and leases to deposits
  • 73.37%Net loans and leases to core deposits
  • 89.76%Equity capital to assets
  • 7.67%Core capital (leverage) ratio
  • 7.80%Tier 1 risk-based capital ratio
  • 11.47%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $226,197Average earning assets
  • $16,741Average equity
  • $202,997Average loans

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