Tradition Bank - Bellaire in Houston, Texas (TX)



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Tradition Bank - Bellaire routing number info

Table of contents:
Tradition Bank - Bellaire
GeneralFDIC 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
WWW: http://www.traditionbank.com
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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)107
Total assets$454,518
Cash and due from depository institutions$44,346
Interest-bearing balances$41,269
Securities$164,178
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$219,404
Loan loss allowance $3,614
Trading account assets$0
Bank premises and fixed assets$14,538
Other real estate owned$6,204
Goodwill and other intangibles$788
All other assets$5,060
Life insurance assets$454,518
Total liabilities and capital$412,936
Total liabilities$403,671
Total deposits$310,195
Interest-bearing deposits$403,671
Deposits held in domestic offices$94
% insured (estimated)7486.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,779
All other liabilities $41,582
Total equity capital$41,582
Total bank equity capital$41,582
Perpetual preferred stock$0
Common stock$1,100
Surplus$28,682
Undivided profits $11,800
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 $537
Earning assets $0
Long-term assets (5+ years) $2,201
Average Assets, year-to-date $424,851
Average Assets, quarterly $144,160
Volatile liabilities $437,973
Insider loans $452,699
FHLB advances $263,566
Loans and leases held for sale $457,298
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $39,627
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $17,726
Derivatives$547
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $19,643
Total interest expense $3,906
Net interest income $15,737
Provision for loan and lease losses $428
Total noninterest income $1,441
Fiduciary activities $0
Service charges on deposit accounts $1,139
Trading account gains & fees $0
Additional noninterest income $302
Total noninterest expense $13,265
Salaries and employee benefits $6,934
Premises and equipment expense $1,779
Additional noninterest expense $4,552
Pre-tax net operating income $3,485
Securities gains (losses) $121
Applicable income taxes $345
Income before extraordinary items $3,261
Extraordinary gains - net $0
Net income attributable to bank $3,261
Net charge-offs $0
Cash dividends $3,261
Sale, conversion, retirement of capital stock, net $318
Net operating income $810
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.83%
Cost of funding earning assets 0.96%
Net interest margin 3.87%
Noninterest income to earning assets 0.35%
Noninterest expense to earning assets 3.26%
Net operating income to assets 0.72%
Return on assets (ROA) 0.74%
Pretax return on assets 0.82%
Return on equity (ROE) 8.18%
Retained earnings to average equity (YTD only) 6.15%
Net charge-offs to loans 0.14%
Credit loss provision to net charge-offs 134.59%
Efficiency ratio12.31%
Assets per employee$77,221
Cash dividends to net income (YTD only)4.25%
Condition Ratios (%)
Loss allowance to loans 24.84%
Loss allowance to noncurrent loans 1.62%
Noncurrent assets plus other real estate owned to assets 673.00%
Noncurrent loans to loans 1.48%
Net loans and leases to deposits0.24%
Net loans and leases to core deposits 54.35%
Equity capital to assets 56.01%
Core capital (leverage) ratio 9.15%
Tier 1 risk-based capital ratio 8.67%
Total risk-based capital ratio 15.03%
Memoranda
Average assets$16
Average earning assets$437,973
Average equity $39,876
Average loans $406,366
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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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