Tradition Bank - Bellaire in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Tradition Bank - Bellaire - Overview

  • General
  • FDIC Certificate #: 23032
    Status: Active
    Federal Reserve ID: 468954
    Bank Holding Company (Regulatory Top Holder): Tradition Bancshares, Inc. (RSSDID: 2928461, Location: Houston, TX)
    Date Established: January 17, 1980
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 16126
    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: January 17, 1980
    Last Structure Change Effective Date: June 30, 2006
    Last Structure Change Process Date: August 11, 2006
    Last Data Update: August 11, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 5501 Bissonnet, Houston, TX 77081
    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)
  • Financial Summary
  • Total assets: $454.5 mil
    Equity capital: $41.6 mil
    Deposits held in domestic offices: $403.7 mil
    Return on assets (ROA): 0.74% ($3.4 mil)
    Quarterly return on assets: 0.83% ($3.8 mil)
    Return on Equity (ROE): 8.18% ($3.4 mil)
    Quarterly return on equity: 9.04% ($3.8 mil)
    Net income: $3.3 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 0.82% ($3,727.0 mil)
    Quarterly Pretax return on assets: 0.92% ($4,181.6 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
  • 107Total employees (full-time equivalent)
  • $454,518Total assets
  • $44,346Cash and due from depository institutions
  • $41,269Interest-bearing balances
  • $164,178Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $219,404Net loans & leases
  • $3,614Loan loss allowance
  • $0Trading account assets
  • $14,538Bank premises and fixed assets
  • $6,204Other real estate owned
  • $788Goodwill and other intangibles
  • $454,518Life insurance assets
  • $5,060All other assets
  • $412,936Total liabilities and capital
  • $403,671Total liabilities
  • $310,195Total deposits
  • $403,671Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 7486.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,779Subordinated debt
  • $41,582All other liabilities
  • $41,582Total equity capital
  • $41,582Total bank equity capital
  • $0Perpetual preferred stock
  • $1,100Common stock
  • $28,682Surplus
  • $11,800Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $537Income earned, not collected on loans
  • $0Earning assets
  • $2,201Long-term assets (5+ years)
  • $424,851Average Assets, year-to-date
  • $144,160Average Assets, quarterly
  • $437,973Volatile liabilities
  • $452,699Insider loans
  • $263,566FHLB advances
  • $457,298Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $39,627Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,726Restructured Loans and leases
  • $547Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,643Total interest income
  • $3,906Total interest expense
  • $15,737Net interest income
  • $428Provision for loan and lease losses
  • $1,441Total noninterest income
  • $0Fiduciary activities
  • $1,139Service charges on deposit accounts
  • $0Trading account gains & fees
  • $302Additional noninterest income
  • $13,265Total noninterest expense
  • $6,934Salaries and employee benefits
  • $1,779Premises and equipment expense
  • $4,552Additional noninterest expense
  • $3,485Pre-tax net operating income
  • $121Securities gains (losses)
  • $345Applicable income taxes
  • $3,261Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,261Net income attributable to bank
  • $0Net charge-offs
  • $3,261Cash dividends
  • $318Sale, conversion, retirement of capital stock, net
  • $810Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.83%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 3.26%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.74%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 8.18%Return on equity (ROE)
  • 6.15%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 134.59%Credit loss provision to net charge-offs
  • 12.31%Efficiency ratio
  • 77,221Assets per employee
  • 4.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.84%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 673.00%Noncurrent assets plus other real estate owned to assets
  • 1.48%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 54.35%Net loans and leases to core deposits
  • 56.01%Equity capital to assets
  • 9.15%Core capital (leverage) ratio
  • 8.67%Tier 1 risk-based capital ratio
  • 15.03%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $437,973Average earning assets
  • $39,876Average equity
  • $406,366Average loans

List of branches

  • 7 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016126Tradition Bank - Bellaire5501 Bissonnet, Houston, TX 77081January 17, 1980Full Service Brick and Mortar
    112716Tradition Bank - Alief12300 Bellaire, Houston, TX 77072August 15, 1963Full Service Brick and Mortar
    235989Tradition Bank - Grand Parkway1515 S. Grand Parkway, Katy, TX 77494October 01, 1986Full Service Brick and Mortar
    3359783Tradition Bank - Fry Road2117 Fry Road, Katy, TX 77449June 27, 2000Full Service Brick and Mortar
    4430117Tradition Bank - Pinoak550 Pin Oak Road, Katy, TX 77494April 01, 2004Full Service Brick and Mortar
    5454774Tradition Bank - The Woodlands Branc3205 College Park Dr., The Woodlands, TX 77384March 16, 2006Full Service Brick and Mortar
    6466153Tradition Bank - The Plaza Branch5020 Montrose, Houston, TX 77006January 02, 2007Full Service Brick and Mortar

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