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


  • The State Bank of Texas in Houston, Texas (TX)
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The State Bank of Texas - Overview

  • General
  • FDIC Certificate #: 24109
    Status: Active
    Federal Reserve ID: 706151
    Date Established: October 22, 1982
    WWW: http://www.tsbot.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 16807
    Numeric code: 13
    Regulator: FED
    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: October 22, 1982
    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
  • Location
  • Address: 3330 Antoine Drive, Houston, TX 77092
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $161.6 mil
    Equity capital: $13.6 mil
    Deposits held in domestic offices: $147.7 mil
    Return on assets (ROA): 0.04% ($0.1 mil)
    Quarterly return on assets: 0.05% ($0.1 mil)
    Return on Equity (ROE): 0.41% ($0.1 mil)
    Quarterly return on equity: 0.53% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.05% ($80.8 mil)
    Quarterly Pretax return on assets: 0.07% ($113.1 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, 2011)

  • Dollar figures in thousands
  • 33Total employees (full-time equivalent)
  • $161,642Total assets
  • $4,649Cash and due from depository institutions
  • $1,700Interest-bearing balances
  • $62,390Securities
  • $12,600Federal funds sold & reverse repurchase agreements
  • $74,164Net loans & leases
  • $813Loan loss allowance
  • $0Trading account assets
  • $2,804Bank premises and fixed assets
  • $3,148Other real estate owned
  • $0Goodwill and other intangibles
  • $161,642Life insurance assets
  • $1,887All other assets
  • $148,014Total liabilities and capital
  • $147,657Total liabilities
  • $114,548Total deposits
  • $147,657Interest-bearing deposits
  • $48Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $357Subordinated debt
  • $13,628All other liabilities
  • $13,628Total equity capital
  • $13,628Total bank equity capital
  • $0Perpetual preferred stock
  • $1,320Common stock
  • $10,160Surplus
  • $2,148Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,066Income earned, not collected on loans
  • $0Earning assets
  • $523Long-term assets (5+ years)
  • $150,854Average Assets, year-to-date
  • $52,882Average Assets, quarterly
  • $155,849Volatile liabilities
  • $158,742Insider loans
  • $69,780FHLB advances
  • $160,306Loans and leases held for sale
  • $221Unused loan commitments
  • $221Tier 1 (core) risk-based capital
  • $13,596Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,129Restructured Loans and leases
  • $1,242Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,777Total interest income
  • $1,766Total interest expense
  • $4,011Net interest income
  • $12Provision for loan and lease losses
  • $606Total noninterest income
  • $0Fiduciary activities
  • $285Service charges on deposit accounts
  • $0Trading account gains & fees
  • $321Additional noninterest income
  • $4,565Total noninterest expense
  • $2,484Salaries and employee benefits
  • $462Premises and equipment expense
  • $1,619Additional noninterest expense
  • $40Pre-tax net operating income
  • $45Securities gains (losses)
  • $29Applicable income taxes
  • $56Income before extraordinary items
  • $0Extraordinary gains - net
  • $56Net income attributable to bank
  • $0Net charge-offs
  • $56Cash dividends
  • $75Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.96%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 2.75%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 0.02%Net operating income to assets
  • 0.04%Return on assets (ROA)
  • 0.05%Pretax return on assets
  • 0.41%Return on equity (ROE)
  • 0.41%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 16.00%Credit loss provision to net charge-offs
  • 0.69%Efficiency ratio
  • 98,874Assets per employee
  • 4.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 39.35%Noncurrent assets plus other real estate owned to assets
  • 3.23%Noncurrent loans to loans
  • 2.76%Net loans and leases to deposits
  • 50.23%Net loans and leases to core deposits
  • 102.09%Equity capital to assets
  • 8.43%Core capital (leverage) ratio
  • 8.48%Tier 1 risk-based capital ratio
  • 19.48%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $155,849Average earning assets
  • $13,613Average equity
  • $145,924Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016807The State Bank Of Texas3330 Antoine Drive, Houston, TX 77092October 22, 1982Full Service Brick and Mortar
    1256961Stafford Branch13023 Murphy Road, Stafford, TX 77477Febuary 04, 1998Full Service Brick and Mortar

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