Patriot Bank in Houston, Texas (TX)



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Patriot Bank routing number info

Table of contents:
Patriot Bank
GeneralFDIC Certificate #: 3258
Status: Active
Federal Reserve ID: 78858
Bank Holding Company (Regulatory Top Holder): Patriot Bancshares, Inc. (RSSDID: 3390430, Location: Houston, TX)
Date Established: January 01, 1930
WWW: http://www.patriotbankusa.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 10 (Domestic: 10, Interstate: No)
FDIC's unique #: 2105
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 18, 2006
Last Structure Change Process Date: January 16, 2007
Last Data Update: January 16, 2007
Data Source Date: April 05, 2012
LocationAddress: 7500 San Felipe Street, Houston, TX 77063
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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $1,222.8 mil
Equity capital: $126.2 mil
Deposits held in domestic offices: $988.4 mil
Return on assets (ROA): 0.10% ($1.2 mil)
Quarterly return on assets: -0.79% (-$9.7 mil)
Return on Equity (ROE): 1.05% ($1.3 mil)
Quarterly return on equity: -7.73% (-$9.7 mil)
Net income: $1.3 mil
Quarterly Net income: -$2.5 mil
Pretax return on assets: 0.16% ($1,956.4 mil)
Quarterly Pretax return on assets: -1.20% (-$14,673.2 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)
Total employees (full-time equivalent)211
Total assets$1,222,763
Cash and due from depository institutions$46,423
Interest-bearing balances$40,960
Securities$245,282
Federal funds sold & reverse repurchase agreements$1,006
Net loans & leases$861,456
Loan loss allowance $15,986
Trading account assets$0
Bank premises and fixed assets$4,489
Other real estate owned$32,967
Goodwill and other intangibles$7,503
All other assets$23,637
Life insurance assets$1,222,763
Total liabilities and capital$1,096,535
Total liabilities$988,440
Total deposits$876,322
Interest-bearing deposits$988,440
Deposits held in domestic offices$84
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$102,500
Other borrowed funds $0
Subordinated debt $5,595
All other liabilities $126,228
Total equity capital$126,228
Total bank equity capital$126,228
Perpetual preferred stock$0
Common stock$35,827
Surplus$86,696
Undivided profits $3,705
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $35,293
Income earned, not collected on loans $35,270
Earning assets $0
Long-term assets (5+ years) $3,428
Average Assets, year-to-date $1,148,704
Average Assets, quarterly $120,699
Volatile liabilities $1,262,901
Insider loans $1,242,337
FHLB advances $918,077
Loans and leases held for sale $1,244,139
Unused loan commitments $1,406
Tier 1 (core) risk-based capital $1,406
Tier 2 risk-based capital $118,676
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $93,156
Derivatives$58,942
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $53,499
Total interest expense $16,599
Net interest income $36,900
Provision for loan and lease losses $12,398
Total noninterest income $17,120
Fiduciary activities $0
Service charges on deposit accounts $704
Trading account gains & fees $0
Additional noninterest income $16,416
Total noninterest expense $40,789
Salaries and employee benefits $20,109
Premises and equipment expense $3,693
Additional noninterest expense $16,987
Pre-tax net operating income $833
Securities gains (losses) $1,139
Applicable income taxes $653
Income before extraordinary items $1,319
Extraordinary gains - net $0
Net income attributable to bank $1,319
Net charge-offs $0
Cash dividends $1,319
Sale, conversion, retirement of capital stock, net $17,108
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.47%
Cost of funding earning assets 1.39%
Net interest margin 3.08%
Noninterest income to earning assets 1.43%
Noninterest expense to earning assets 3.40%
Net operating income to assets 0.04%
Return on assets (ROA) 0.10%
Pretax return on assets 0.16%
Return on equity (ROE) 1.05%
Retained earnings to average equity (YTD only) 1.05%
Net charge-offs to loans 1.83%
Credit loss provision to net charge-offs 72.47%
Efficiency ratio0.77%
Assets per employee$75,213
Cash dividends to net income (YTD only)5.80%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.82%
Noncurrent assets plus other real estate owned to assets 45.32%
Noncurrent loans to loans 5.58%
Net loans and leases to deposits4.02%
Net loans and leases to core deposits 87.15%
Equity capital to assets 94.08%
Core capital (leverage) ratio 10.32%
Tier 1 risk-based capital ratio 9.54%
Total risk-based capital ratio 12.93%
Memoranda
Average assets$14
Average earning assets$1,262,901
Average equity $125,588
Average loans $1,198,109
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10 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02105Patriot Bank7500 San Felipe Street, Houston, TX 77063January 01, 1930Full Service Brick and Mortar
3222317Honey Grove Branch201 West Main Street, Honey Grove, TX 75446May 01, 1988Full Service Brick and Mortar
4452611Dallas Lincoln Center Branch5430 Lbj Freeway Suite 200 And Suite 210, Dallas, TX 75240March 26, 2006Full Service Brick and Mortar
5453024Friendswood Branch102 West Parkwood, Friendswood, TX 77546January 26, 2006Full Service Brick and Mortar
636118Mesquite Branch1438 Oates Drive, Mesquite, TX 75150December 08, 1986Full Service Brick and Mortar
7461446Katy Freeway Branch9545 Katy Freeway Ste 100, Houston, TX 77024December 19, 2006Full Service Brick and Mortar
10462495Wescott & Memorial Branch5900 Memorial Dr., Suite 100, Houston, TX 77007November 27, 2006Full Service Brick and Mortar
11470563Cmimney Rock/Queen Anne Branch8301 Katy Freeway, Houston, TX 77024January 28, 2007Full Service Brick and Mortar
14479079Allen Branch700 Central Expressway South Suite 120, Allen, TX 75013April 01, 2008Full Service Brick and Mortar
15493274Bay Area Branch2424 Bay Area Blvd, Houston, TX 77058January 01, 2008Full Service Brick and Mortar
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