Queststar Bank, National Association in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 26, 1996

  • Queststar Bank, National Association in Houston, Texas (TX)
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Queststar Bank, National Association - Overview

  • General
  • FDIC Certificate #: 25755
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Comerica Bank - Texas (#1493)
    Federal Reserve ID: 604257
    Date Established: August 15, 1984
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Interstate: No)
    OTS Docket #: 9990
    FDIC's unique #: 17628
    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 15, 1984
    Last Structure Change Effective Date: January 26, 1996
    Last Structure Change Process Date: Febuary 21, 1996
    Last Data Update: March 22, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 1900 West Loop South, 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
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $219.9 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)
  • $106Total assets
  • $219,866Cash and due from depository institutions
  • $33,929Interest-bearing balances
  • $21,108Securities
  • $51,191Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $113,898Loan loss allowance
  • $1,202Trading account assets
  • $0Bank premises and fixed assets
  • $2,057Other real estate owned
  • $0Goodwill and other intangibles
  • $3,699Life insurance assets
  • $15,092All other assets
  • $0Total liabilities and capital
  • $219,866Total liabilities
  • $191,508Total deposits
  • $185,577Interest-bearing deposits
  • $138,352Deposits held in domestic offices
  • 185577.00%% insured (estimated)
  • $79Federal funds purchased & repurchase agreements
  • $604Trading liabilities
  • $0Other borrowed funds
  • $1,000Subordinated debt
  • $0All other liabilities
  • $4,327Total equity capital
  • $4,327Total bank equity capital
  • $28,358Perpetual preferred stock
  • $0Common stock
  • $2,638Surplus
  • $24,543Undivided profits
  • Memoranda
  • $1,177Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,142Income earned, not collected on loans
  • $899Earning assets
  • $186,197Long-term assets (5+ years)
  • $27,886Average Assets, year-to-date
  • $200,652Average Assets, quarterly
  • $209,331Volatile liabilities
  • $36,071Insider loans
  • $751FHLB advances
  • $0Loans and leases held for sale
  • $1,074Unused loan commitments
  • $19,507Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $13,132Total risk weighted assets
  • $124,885Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,041Total interest expense
  • $1,054Net interest income
  • $1,987Provision for loan and lease losses
  • $0Total noninterest income
  • $1,118Fiduciary activities
  • $0Service charges on deposit accounts
  • $408Trading account gains & fees
  • $0Additional noninterest income
  • $710Total noninterest expense
  • $1,512Salaries and employee benefits
  • $725Premises and equipment expense
  • $224Additional noninterest expense
  • $563Pre-tax net operating income
  • $1,593Securities gains (losses)
  • $0Applicable income taxes
  • $570Income before extraordinary items
  • $1,023Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,023Net charge-offs
  • $206Cash dividends
  • $528Sale, 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
  • 1.67%Cost of funding earning assets
  • 0.58%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 0.61%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.51%Return on assets (ROA)
  • 0.51%Pretax return on assets
  • 0.79%Return on equity (ROE)
  • 6.94%Retained earnings to average equity (YTD only)
  • 3.36%Net charge-offs to loans
  • 0.18%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 45,121Assets per employee
  • 2.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.61%Loss allowance to loans
  • 1.04%Loss allowance to noncurrent loans
  • 56.12%Noncurrent assets plus other real estate owned to assets
  • 0.97%Noncurrent loans to loans
  • 1.86%Net loans and leases to deposits
  • 61.38%Net loans and leases to core deposits
  • 75.62%Equity capital to assets
  • 12.90%Core capital (leverage) ratio
  • 6.42%Tier 1 risk-based capital ratio
  • 10.52%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $200,652Average earning assets
  • $14,734Average equity
  • $182,485Average loans

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