Third Coast Bank, SSB in Humble, Texas (TX)

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Third Coast Bank, SSB routing number info

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Third Coast Bank, SSB
GeneralFDIC Certificate #: 58716
Status: Active
Federal Reserve ID: 3630323
Date Established: Febuary 25, 2008
Trust Powers Granted: No
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 463605
Numeric code: 41
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: 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: Febuary 25, 2008
Last Structure Change Effective Date: August 11, 2011
Last Structure Change Process Date: August 11, 2011
Last Data Update: August 11, 2011
Data Source Date: April 05, 2012
LocationAddress: 20202 Hwy 59 North, Suite 190, Humble, TX 77338
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 ChangesChange in Entity Type
Financial SummaryTotal assets: $228.6 mil
Equity capital: $30.1 mil
Deposits held in domestic offices: $197.8 mil
Return on assets (ROA): 0.05% ($0.1 mil)
Quarterly return on assets: -0.94% (-$2.2 mil)
Return on Equity (ROE): 0.43% ($0.1 mil)
Quarterly return on equity: -7.06% (-$2.1 mil)
Net income: $0.1 mil
Quarterly Net income: -$0.5 mil
Pretax return on assets: 0.05% ($114.3 mil)
Quarterly Pretax return on assets: -0.94% (-$2,148.5 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)
Total employees (full-time equivalent)40
Total assets$228,560
Cash and due from depository institutions$29,183
Interest-bearing balances$22,384
Federal funds sold & reverse repurchase agreements$7,686
Net loans & leases$180,856
Loan loss allowance $2,701
Trading account assets$0
Bank premises and fixed assets$876
Other real estate owned$2,970
Goodwill and other intangibles$0
All other assets$6,222
Life insurance assets$228,560
Total liabilities and capital$198,474
Total liabilities$197,758
Total deposits$167,544
Interest-bearing deposits$197,758
Deposits held in domestic offices$65
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $716
All other liabilities $30,086
Total equity capital$30,086
Total bank equity capital$30,086
Perpetual preferred stock$8,673
Common stock$2,451
Undivided profits $-3,711
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 $2,397
Earning assets $0
Long-term assets (5+ years) $625
Average Assets, year-to-date $211,693
Average Assets, quarterly $3,554
Volatile liabilities $213,740
Insider loans $227,667
FHLB advances $201,601
Loans and leases held for sale $233,648
Unused loan commitments $5,198
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $30,068
Total risk weighted assets $0
Total unused commitments $5,198
Restructured Loans and leases $33,786
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,895
Total interest expense $1,774
Net interest income $8,121
Provision for loan and lease losses $1,300
Total noninterest income $216
Fiduciary activities $0
Service charges on deposit accounts $150
Trading account gains & fees $0
Additional noninterest income $66
Total noninterest expense $7,021
Salaries and employee benefits $3,356
Premises and equipment expense $723
Additional noninterest expense $2,942
Pre-tax net operating income $16
Securities gains (losses) $91
Applicable income taxes $0
Income before extraordinary items $107
Extraordinary gains - net $0
Net income attributable to bank $107
Net charge-offs $0
Cash dividends $107
Sale, conversion, retirement of capital stock, net $249
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.94%
Cost of funding earning assets 0.89%
Net interest margin 4.06%
Noninterest income to earning assets 0.11%
Noninterest expense to earning assets 3.51%
Net operating income to assets 0.01%
Return on assets (ROA) 0.05%
Pretax return on assets 0.05%
Return on equity (ROE) 0.43%
Retained earnings to average equity (YTD only) 0.43%
Net charge-offs to loans 0.15%
Credit loss provision to net charge-offs 522.09%
Efficiency ratio5.29%
Assets per employee$84,215
Cash dividends to net income (YTD only)5.71%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.47%
Noncurrent assets plus other real estate owned to assets 112.68%
Noncurrent loans to loans 2.35%
Net loans and leases to deposits1.31%
Net loans and leases to core deposits 91.45%
Equity capital to assets 103.99%
Core capital (leverage) ratio 13.16%
Tier 1 risk-based capital ratio 12.87%
Total risk-based capital ratio 14.91%
Average assets$16
Average earning assets$213,740
Average equity $24,722
Average loans $200,148
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3 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0463605Third Coast Bank, Ssb20202 Hwy 59 North, Suite 190, Humble, TX 77338Febuary 25, 2008Full Service Brick and Mortar
3493484Beaumont Branch229 Dowlen Suite C, Beaumont, TX 77706April 01, 2009Full Service Brick and Mortar
4520820Galleria Branch1800 West Loop South, Suite 100, Houston, TX 77027June 13, 2011Full Service Brick and Mortar
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