Post Oak Bank, N. A. in Houston, Texas (TX)

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Post Oak Bank, N. A. routing number info

Table of contents:
Post Oak Bank, N. A.
GeneralFDIC 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
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)97
Total assets$561,313
Cash and due from depository institutions$105,192
Interest-bearing balances$91,533
Federal funds sold & reverse repurchase agreements$19,218
Net loans & leases$403,074
Loan loss allowance $5,819
Trading account assets$0
Bank premises and fixed assets$9,349
Other real estate owned$3,803
Goodwill and other intangibles$0
All other assets$6,545
Life insurance assets$561,313
Total liabilities and capital$503,412
Total liabilities$502,892
Total deposits$347,735
Interest-bearing deposits$502,892
Deposits held in domestic offices$70
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $520
All other liabilities $57,901
Total equity capital$57,901
Total bank equity capital$57,901
Perpetual preferred stock$0
Common stock$14,544
Undivided profits $8,899
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $873
Earning assets $0
Long-term assets (5+ years) $1,398
Average Assets, year-to-date $527,957
Average Assets, quarterly $31,625
Volatile liabilities $515,753
Insider loans $552,060
FHLB advances $414,840
Loans and leases held for sale $546,604
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $56,354
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $81,793
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $24,873
Total interest expense $3,054
Net interest income $21,819
Provision for loan and lease losses $1,696
Total noninterest income $819
Fiduciary activities $0
Service charges on deposit accounts $498
Trading account gains & fees $0
Additional noninterest income $321
Total noninterest expense $14,710
Salaries and employee benefits $9,352
Premises and equipment expense $2,051
Additional noninterest expense $3,307
Pre-tax net operating income $6,232
Securities gains (losses) $0
Applicable income taxes $2,169
Income before extraordinary items $4,063
Extraordinary gains - net $0
Net income attributable to bank $4,063
Net charge-offs $0
Cash dividends $4,063
Sale, conversion, retirement of capital stock, net $881
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 assets5.11%
Cost of funding earning assets 0.63%
Net interest margin 4.48%
Noninterest income to earning assets 0.17%
Noninterest expense to earning assets 3.02%
Net operating income to assets 0.79%
Return on assets (ROA) 0.79%
Pretax return on assets 1.21%
Return on equity (ROE) 7.30%
Retained earnings to average equity (YTD only) 7.30%
Net charge-offs to loans 0.22%
Credit loss provision to net charge-offs 192.51%
Efficiency ratio9.00%
Assets per employee$64,979
Cash dividends to net income (YTD only)5.79%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.42%
Noncurrent assets plus other real estate owned to assets 666.55%
Noncurrent loans to loans 0.83%
Net loans and leases to deposits0.21%
Net loans and leases to core deposits 80.15%
Equity capital to assets 98.15%
Core capital (leverage) ratio 10.32%
Tier 1 risk-based capital ratio 10.31%
Total risk-based capital ratio 13.58%
Average assets$15
Average earning assets$515,753
Average equity $55,670
Average loans $486,650
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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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