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


Patriot Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 211Total employees (full-time equivalent)
  • $1,222,763Total assets
  • $46,423Cash and due from depository institutions
  • $40,960Interest-bearing balances
  • $245,282Securities
  • $1,006Federal funds sold & reverse repurchase agreements
  • $861,456Net loans & leases
  • $15,986Loan loss allowance
  • $0Trading account assets
  • $4,489Bank premises and fixed assets
  • $32,967Other real estate owned
  • $7,503Goodwill and other intangibles
  • $1,222,763Life insurance assets
  • $23,637All other assets
  • $1,096,535Total liabilities and capital
  • $988,440Total liabilities
  • $876,322Total deposits
  • $988,440Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $102,500Trading liabilities
  • $0Other borrowed funds
  • $5,595Subordinated debt
  • $126,228All other liabilities
  • $126,228Total equity capital
  • $126,228Total bank equity capital
  • $0Perpetual preferred stock
  • $35,827Common stock
  • $86,696Surplus
  • $3,705Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $35,293Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $35,270Income earned, not collected on loans
  • $0Earning assets
  • $3,428Long-term assets (5+ years)
  • $1,148,704Average Assets, year-to-date
  • $120,699Average Assets, quarterly
  • $1,262,901Volatile liabilities
  • $1,242,337Insider loans
  • $918,077FHLB advances
  • $1,244,139Loans and leases held for sale
  • $1,406Unused loan commitments
  • $1,406Tier 1 (core) risk-based capital
  • $118,676Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $93,156Restructured Loans and leases
  • $58,942Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $53,499Total interest income
  • $16,599Total interest expense
  • $36,900Net interest income
  • $12,398Provision for loan and lease losses
  • $17,120Total noninterest income
  • $0Fiduciary activities
  • $704Service charges on deposit accounts
  • $0Trading account gains & fees
  • $16,416Additional noninterest income
  • $40,789Total noninterest expense
  • $20,109Salaries and employee benefits
  • $3,693Premises and equipment expense
  • $16,987Additional noninterest expense
  • $833Pre-tax net operating income
  • $1,139Securities gains (losses)
  • $653Applicable income taxes
  • $1,319Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,319Net income attributable to bank
  • $0Net charge-offs
  • $1,319Cash dividends
  • $17,108Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.47%Yield on earning assets
  • 1.39%Cost of funding earning assets
  • 3.08%Net interest margin
  • 1.43%Noninterest income to earning assets
  • 3.40%Noninterest expense to earning assets
  • 0.04%Net operating income to assets
  • 0.10%Return on assets (ROA)
  • 0.16%Pretax return on assets
  • 1.05%Return on equity (ROE)
  • 1.05%Retained earnings to average equity (YTD only)
  • 1.83%Net charge-offs to loans
  • 72.47%Credit loss provision to net charge-offs
  • 0.77%Efficiency ratio
  • 75,213Assets per employee
  • 5.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 45.32%Noncurrent assets plus other real estate owned to assets
  • 5.58%Noncurrent loans to loans
  • 4.02%Net loans and leases to deposits
  • 87.15%Net loans and leases to core deposits
  • 94.08%Equity capital to assets
  • 10.32%Core capital (leverage) ratio
  • 9.54%Tier 1 risk-based capital ratio
  • 12.93%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $1,262,901Average earning assets
  • $125,588Average equity
  • $1,198,109Average loans

List of branches

  • 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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