The MINT National Bank in Kingwood, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The MINT National Bank - Overview

  • General
  • FDIC Certificate #: 58764
    Status: Active
    Federal Reserve ID: 3821626
    Date Established: January 05, 2009
    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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 467437
    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: January 05, 2009
    Last Structure Change Effective Date: January 16, 2009
    Last Structure Change Process Date: January 16, 2009
    Last Data Update: January 16, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1213 Kingwood Drive, Kingwood, TX 77339
    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 Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $46.0 mil
    Equity capital: $7.8 mil
    Deposits held in domestic offices: $38.2 mil
    Return on assets (ROA): 0.50% ($0.2 mil)
    Quarterly return on assets: 0.55% ($0.3 mil)
    Return on Equity (ROE): 2.72% ($0.2 mil)
    Quarterly return on equity: 3.52% ($0.3 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.50% ($229.8 mil)
    Quarterly Pretax return on assets: 0.55% ($252.8 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
  • 6Total employees (full-time equivalent)
  • $45,966Total assets
  • $11,125Cash and due from depository institutions
  • $10,945Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $34,037Net loans & leases
  • $510Loan loss allowance
  • $0Trading account assets
  • $333Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $45,966Life insurance assets
  • $471All other assets
  • $38,198Total liabilities and capital
  • $38,157Total liabilities
  • $34,685Total deposits
  • $38,157Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $41Subordinated debt
  • $7,768All other liabilities
  • $7,768Total equity capital
  • $7,768Total bank equity capital
  • $0Perpetual preferred stock
  • $4,359Common stock
  • $4,405Surplus
  • $-996Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $858Income earned, not collected on loans
  • $0Earning assets
  • $118Long-term assets (5+ years)
  • $44,982Average Assets, year-to-date
  • $21,288Average Assets, quarterly
  • $41,819Volatile liabilities
  • $49,260Insider loans
  • $29,800FHLB advances
  • $51,839Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,768Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,798Restructured Loans and leases
  • $977Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,961Total interest income
  • $386Total interest expense
  • $1,575Net interest income
  • $130Provision for loan and lease losses
  • $11Total noninterest income
  • $0Fiduciary activities
  • $9Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2Additional noninterest income
  • $1,248Total noninterest expense
  • $571Salaries and employee benefits
  • $128Premises and equipment expense
  • $549Additional noninterest expense
  • $208Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $208Income before extraordinary items
  • $0Extraordinary gains - net
  • $208Net income attributable to bank
  • $0Net charge-offs
  • $208Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.83%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 3.88%Net interest margin
  • 0.03%Noninterest income to earning assets
  • 3.07%Noninterest expense to earning assets
  • 0.50%Net operating income to assets
  • 0.50%Return on assets (ROA)
  • 0.50%Pretax return on assets
  • 2.72%Return on equity (ROE)
  • 2.72%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 78,689Assets per employee
  • 7.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 59.44%Noncurrent assets plus other real estate owned to assets
  • 1.87%Noncurrent loans to loans
  • 2.48%Net loans and leases to deposits
  • 89.20%Net loans and leases to core deposits
  • 94.36%Equity capital to assets
  • 16.90%Core capital (leverage) ratio
  • 14.98%Tier 1 risk-based capital ratio
  • 26.07%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $41,819Average earning assets
  • $7,643Average equity
  • $40,633Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0467437The Mint National Bank1213 Kingwood Drive, Kingwood, TX 77339January 05, 2009Full Service Brick and Mortar

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