The Bank of River Oaks in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bank of River Oaks - Overview

  • General
  • FDIC Certificate #: 58142
    Status: Active
    Federal Reserve ID: 3386554
    Date Established: November 04, 2005
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 2, Interstate: No)
    FDIC's unique #: 440465
    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: November 04, 2005
    Last Structure Change Effective Date: September 13, 2006
    Last Structure Change Process Date: September 13, 2006
    Last Data Update: September 13, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 2929 Kirby, Houston, TX 77098
    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
  • Change in Location
  • Financial Summary
  • Total assets: $260.0 mil
    Equity capital: $33.6 mil
    Deposits held in domestic offices: $204.7 mil
    Return on assets (ROA): 1.11% ($2.9 mil)
    Quarterly return on assets: 1.39% ($3.6 mil)
    Return on Equity (ROE): 8.44% ($2.9 mil)
    Quarterly return on equity: 10.47% ($3.6 mil)
    Net income: $2.8 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 1.69% ($4,394.8 mil)
    Quarterly Pretax return on assets: 2.12% ($5,513.0 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
  • 37Total employees (full-time equivalent)
  • $260,048Total assets
  • $17,464Cash and due from depository institutions
  • $13,336Interest-bearing balances
  • $36,002Securities
  • $500Federal funds sold & reverse repurchase agreements
  • $199,781Net loans & leases
  • $1,459Loan loss allowance
  • $0Trading account assets
  • $3,664Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $260,048Life insurance assets
  • $2,637All other assets
  • $226,443Total liabilities and capital
  • $204,681Total liabilities
  • $125,257Total deposits
  • $204,681Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 21097.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $665Subordinated debt
  • $33,605All other liabilities
  • $33,605Total equity capital
  • $33,605Total bank equity capital
  • $0Perpetual preferred stock
  • $13,622Common stock
  • $15,901Surplus
  • $4,082Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $572Income earned, not collected on loans
  • $0Earning assets
  • $782Long-term assets (5+ years)
  • $249,619Average Assets, year-to-date
  • $69,515Average Assets, quarterly
  • $251,854Volatile liabilities
  • $251,892Insider loans
  • $207,279FHLB advances
  • $254,257Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $33,755Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $47,138Restructured Loans and leases
  • $9,298Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,952Total interest income
  • $1,082Total interest expense
  • $10,870Net interest income
  • $65Provision for loan and lease losses
  • $353Total noninterest income
  • $0Fiduciary activities
  • $209Service charges on deposit accounts
  • $0Trading account gains & fees
  • $144Additional noninterest income
  • $8,044Total noninterest expense
  • $4,246Salaries and employee benefits
  • $1,465Premises and equipment expense
  • $2,333Additional noninterest expense
  • $3,114Pre-tax net operating income
  • $1,152Securities gains (losses)
  • $1,479Applicable income taxes
  • $2,787Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,787Net income attributable to bank
  • $0Net charge-offs
  • $2,787Cash dividends
  • $11Sale, conversion, retirement of capital stock, net
  • $572Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.99%Yield on earning assets
  • 0.45%Cost of funding earning assets
  • 4.54%Net interest margin
  • 0.15%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 0.81%Net operating income to assets
  • 1.11%Return on assets (ROA)
  • 1.69%Pretax return on assets
  • 8.44%Return on equity (ROE)
  • 6.71%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 590.91%Credit loss provision to net charge-offs
  • 289.00%Efficiency ratio
  • 71,674Assets per employee
  • 7.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.52%Loss allowance to loans
  • 0.73%Loss allowance to noncurrent loans
  • 255.07%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.28%Net loans and leases to deposits
  • 97.61%Net loans and leases to core deposits
  • 111.95%Equity capital to assets
  • 12.92%Core capital (leverage) ratio
  • 13.28%Tier 1 risk-based capital ratio
  • 16.28%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $251,854Average earning assets
  • $33,026Average equity
  • $239,417Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0440465The Bank Of River Oaks2929 Kirby, Houston, TX 77098November 04, 2005Full Service Brick and Mortar
    1470256The Medical Center Branch2348 Holcombe Blvd., Houston, TX 77030October 17, 2007Full Service Brick and Mortar
    2529861Riverway BranchFive Riverway, Suite 100a And 100b, Houston, TX 77056March 12, 2012Full Service Brick and Mortar

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