The State Bank of Texas in Houston, Texas (TX)
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| The State Bank of Texas | |
|---|---|
| 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 33 |
| Total assets | $161,642 |
| Cash and due from depository institutions | $4,649 |
| Interest-bearing balances | $1,700 |
| Securities | $62,390 |
| Federal funds sold & reverse repurchase agreements | $12,600 |
| Net loans & leases | $74,164 |
| Loan loss allowance | $813 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,804 |
| Other real estate owned | $3,148 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,887 |
| Life insurance assets | $161,642 |
| Total liabilities and capital | $148,014 |
| Total liabilities | $147,657 |
| Total deposits | $114,548 |
| Interest-bearing deposits | $147,657 |
| Deposits held in domestic offices | $48 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $357 |
| All other liabilities | $13,628 |
| Total equity capital | $13,628 |
| Total bank equity capital | $13,628 |
| Perpetual preferred stock | $0 |
| Common stock | $1,320 |
| Surplus | $10,160 |
| Undivided profits | $2,148 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $2,066 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $523 |
| Average Assets, year-to-date | $150,854 |
| Average Assets, quarterly | $52,882 |
| Volatile liabilities | $155,849 |
| Insider loans | $158,742 |
| FHLB advances | $69,780 |
| Loans and leases held for sale | $160,306 |
| Unused loan commitments | $221 |
| Tier 1 (core) risk-based capital | $221 |
| Tier 2 risk-based capital | $13,596 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $13,129 |
| Derivatives | $1,242 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $5,777 |
| Total interest expense | $1,766 |
| Net interest income | $4,011 |
| Provision for loan and lease losses | $12 |
| Total noninterest income | $606 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $285 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $321 |
| Total noninterest expense | $4,565 |
| Salaries and employee benefits | $2,484 |
| Premises and equipment expense | $462 |
| Additional noninterest expense | $1,619 |
| Pre-tax net operating income | $40 |
| Securities gains (losses) | $45 |
| Applicable income taxes | $29 |
| Income before extraordinary items | $56 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $56 |
| Net charge-offs | $0 |
| Cash dividends | $56 |
| Sale, conversion, retirement of capital stock, net | $75 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 3.96% |
| Cost of funding earning assets | 1.21% |
| Net interest margin | 2.75% |
| Noninterest income to earning assets | 0.42% |
| Noninterest expense to earning assets | 3.13% |
| Net operating income to assets | 0.02% |
| Return on assets (ROA) | 0.04% |
| Pretax return on assets | 0.05% |
| Return on equity (ROE) | 0.41% |
| Retained earnings to average equity (YTD only) | 0.41% |
| Net charge-offs to loans | 0.10% |
| Credit loss provision to net charge-offs | 16.00% |
| Efficiency ratio | 0.69% |
| Assets per employee | $98,874 |
| Cash dividends to net income (YTD only) | 4.90% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 1.08% |
| Noncurrent assets plus other real estate owned to assets | 39.35% |
| Noncurrent loans to loans | 3.23% |
| Net loans and leases to deposits | 2.76% |
| Net loans and leases to core deposits | 50.23% |
| Equity capital to assets | 102.09% |
| Core capital (leverage) ratio | 8.43% |
| Tier 1 risk-based capital ratio | 8.48% |
| Total risk-based capital ratio | 19.48% |
| Memoranda | |
| Average assets | $21 |
| Average earning assets | $155,849 |
| Average equity | $13,613 |
| Average loans | $145,924 |
| 2 Texas Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 16807 | The State Bank Of Texas | 3330 Antoine Drive, Houston, TX 77092 | October 22, 1982 | Full Service Brick and Mortar |  |
| 1 | 256961 | Stafford Branch | 13023 Murphy Road, Stafford, TX 77477 | Febuary 04, 1998 | Full Service Brick and Mortar |  |
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