Post Oak Bank, N. A. in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Post Oak Bank, N. A. - Overview

  • General
  • FDIC Certificate #: 57729
    Status: Active
    Federal Reserve ID: 3274772
    Bank Holding Company (Regulatory Top Holder): Post Oak Bancshares, Inc. (RSSDID: 3802250, Location: Houston, TX)
    Date Established: July 30, 2004
    WWW: http://www.postoakbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 423149
    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: July 30, 2004
    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: 2000 West Loop South, Suite 100, 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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $561.3 mil
    Equity capital: $57.9 mil
    Deposits held in domestic offices: $502.9 mil
    Return on assets (ROA): 0.79% ($4.4 mil)
    Quarterly return on assets: 1.06% ($5.9 mil)
    Return on Equity (ROE): 7.30% ($4.2 mil)
    Quarterly return on equity: 10.23% ($5.9 mil)
    Net income: $4.1 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 1.21% ($6,791.9 mil)
    Quarterly Pretax return on assets: 1.61% ($9,037.1 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
  • 97Total employees (full-time equivalent)
  • $561,313Total assets
  • $105,192Cash and due from depository institutions
  • $91,533Interest-bearing balances
  • $14,132Securities
  • $19,218Federal funds sold & reverse repurchase agreements
  • $403,074Net loans & leases
  • $5,819Loan loss allowance
  • $0Trading account assets
  • $9,349Bank premises and fixed assets
  • $3,803Other real estate owned
  • $0Goodwill and other intangibles
  • $561,313Life insurance assets
  • $6,545All other assets
  • $503,412Total liabilities and capital
  • $502,892Total liabilities
  • $347,735Total deposits
  • $502,892Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $520Subordinated debt
  • $57,901All other liabilities
  • $57,901Total equity capital
  • $57,901Total bank equity capital
  • $0Perpetual preferred stock
  • $14,544Common stock
  • $34,458Surplus
  • $8,899Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $873Income earned, not collected on loans
  • $0Earning assets
  • $1,398Long-term assets (5+ years)
  • $527,957Average Assets, year-to-date
  • $31,625Average Assets, quarterly
  • $515,753Volatile liabilities
  • $552,060Insider loans
  • $414,840FHLB advances
  • $546,604Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $56,354Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $81,793Restructured Loans and leases
  • $12,687Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,873Total interest income
  • $3,054Total interest expense
  • $21,819Net interest income
  • $1,696Provision for loan and lease losses
  • $819Total noninterest income
  • $0Fiduciary activities
  • $498Service charges on deposit accounts
  • $0Trading account gains & fees
  • $321Additional noninterest income
  • $14,710Total noninterest expense
  • $9,352Salaries and employee benefits
  • $2,051Premises and equipment expense
  • $3,307Additional noninterest expense
  • $6,232Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,169Applicable income taxes
  • $4,063Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,063Net income attributable to bank
  • $0Net charge-offs
  • $4,063Cash dividends
  • $881Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.11%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 4.48%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 7.30%Return on equity (ROE)
  • 7.30%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 192.51%Credit loss provision to net charge-offs
  • 9.00%Efficiency ratio
  • 64,979Assets per employee
  • 5.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 666.55%Noncurrent assets plus other real estate owned to assets
  • 0.83%Noncurrent loans to loans
  • 0.21%Net loans and leases to deposits
  • 80.15%Net loans and leases to core deposits
  • 98.15%Equity capital to assets
  • 10.32%Core capital (leverage) ratio
  • 10.31%Tier 1 risk-based capital ratio
  • 13.58%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $515,753Average earning assets
  • $55,670Average equity
  • $486,650Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0423149Post Oak Bank, N. A.2000 West Loop South, Suite 100, Houston, TX 77027July 30, 2004Full Service Brick and Mortar
    1461045Hwy 290 Branch14770 Northwest Freeway, Houston, TX 77040January 16, 2007Full Service Brick and Mortar
    2465430Town And Country Branch790 West Sam Houston Parkway North, Houston, TX 77024April 21, 2006Full Service Brick and Mortar
    4499262Pasadena Branch4420 East Sam Houston Parkway South, Pasadena, TX 77505November 02, 2009Full Service Brick and Mortar
    5505874Post Oak Branch1600 Highway 6, Suite 150, Sugar Land, TX 77478January 04, 2010Full Service Brick and Mortar
    6511427Conroe Branch1302 West Davis, Suite A, Conroe, TX 77304June 08, 2010Limited Service Facility

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