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

This bank is inactive as of May 08, 2002

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

  • General
  • FDIC Certificate #: 25739
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: Prosperity Bank (#16835)
    Federal Reserve ID: 144959
    Date Established: October 29, 1984
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 17612
    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: October 29, 1984
    Last Structure Change Effective Date: May 08, 2002
    Last Structure Change Process Date: July 23, 2002
    Last Data Update: July 23, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 12602 Memorial Drive, Houston, TX 77077
    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)
  • Financial Summary
  • Total assets: $79.2 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, 2001)

  • Dollar figures in thousands
  • 39Total employees (full-time equivalent)
  • $82,204Total assets
  • $5,567Cash and due from depository institutions
  • $3,012Interest-bearing balances
  • $14,220Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $59,079Net loans & leases
  • $650Loan loss allowance
  • $0Trading account assets
  • $1,579Bank premises and fixed assets
  • $13Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,746All other assets
  • $82,204Total liabilities and capital
  • $72,757Total liabilities
  • $62,935Total deposits
  • $48,786Interest-bearing deposits
  • $62,935Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,000Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $8,500Other borrowed funds
  • $0Subordinated debt
  • $322All other liabilities
  • $9,447Total equity capital
  • $9,447Total bank equity capital
  • $9,447Perpetual preferred stock
  • $0Common stock
  • $2,098Surplus
  • $4,413Undivided profits
  • Memoranda
  • $2,936Noncurrent loans and leases
  • $12,851Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $299Earning assets
  • $0Long-term assets (5+ years)
  • $415Average Assets, year-to-date
  • $76,311Average Assets, quarterly
  • $10,633Volatile liabilities
  • $79,437Insider loans
  • $78,612FHLB advances
  • $22,265Loans and leases held for sale
  • $659Unused loan commitments
  • $8,500Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $12,851Total unused commitments
  • $0Restructured Loans and leases
  • $650Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $6,013Total interest income
  • $2,748Total interest expense
  • $3,265Net interest income
  • $237Provision for loan and lease losses
  • $483Total noninterest income
  • $0Fiduciary activities
  • $367Service charges on deposit accounts
  • $0Trading account gains & fees
  • $116Additional noninterest income
  • $3,443Total noninterest expense
  • $1,866Salaries and employee benefits
  • $721Premises and equipment expense
  • $856Additional noninterest expense
  • $68Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $68Income before extraordinary items
  • $0Extraordinary gains - net
  • $68Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$16Sale, conversion, retirement of capital stock, net
  • $125Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.20%Yield on earning assets
  • 3.75%Cost of funding earning assets
  • 4.45%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 4.70%Noninterest expense to earning assets
  • 0.09%Net operating income to assets
  • 0.09%Return on assets (ROA)
  • 0.09%Pretax return on assets
  • 0.73%Return on equity (ROE)
  • -0.61%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • -1481.25%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 91,862Assets per employee
  • 2.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 183.82%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 217.39%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.50%Net loans and leases to deposits
  • 93.87%Net loans and leases to core deposits
  • 117.76%Equity capital to assets
  • 11.49%Core capital (leverage) ratio
  • 11.26%Tier 1 risk-based capital ratio
  • 14.33%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $79,437Average earning assets
  • $9,292Average equity
  • $73,304Average loans

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