Unity National Bank of Houston in Houston, Texas (TX)



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Unity National Bank of Houston routing number info

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Unity National Bank of Houston
GeneralFDIC Certificate #: 26351
Status: Active
Federal Reserve ID: 853251
Date Established: August 01, 1985
WWW: http://www.unitybanktexas.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 32907
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: August 01, 1985
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
LocationAddress: 2602 Blodgett Street, Houston, TX 77004
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $71.6 mil
Equity capital: $7.3 mil
Deposits held in domestic offices: $59.9 mil
Return on assets (ROA): 0.13% ($0.1 mil)
Quarterly return on assets: 0.25% ($0.2 mil)
Return on Equity (ROE): 1.22% ($0.1 mil)
Quarterly return on equity: 2.36% ($0.2 mil)
Net income: $0.1 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.13% ($93.1 mil)
Quarterly Pretax return on assets: 0.25% ($179.0 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)26
Total assets$71,584
Cash and due from depository institutions$4,612
Interest-bearing balances$1,708
Securities$9,247
Federal funds sold & reverse repurchase agreements$13,214
Net loans & leases$39,145
Loan loss allowance $792
Trading account assets$0
Bank premises and fixed assets$3,019
Other real estate owned$844
Goodwill and other intangibles$0
All other assets$1,503
Life insurance assets$71,584
Total liabilities and capital$64,312
Total liabilities$59,947
Total deposits$48,240
Interest-bearing deposits$59,947
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,024
Other borrowed funds $0
Subordinated debt $341
All other liabilities $7,272
Total equity capital$7,272
Total bank equity capital$7,272
Perpetual preferred stock$750
Common stock$5,190
Surplus$10,071
Undivided profits $-8,739
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 $585
Earning assets $0
Long-term assets (5+ years) $274
Average Assets, year-to-date $63,314
Average Assets, quarterly $13,871
Volatile liabilities $67,964
Insider loans $68,875
FHLB advances $46,375
Loans and leases held for sale $65,841
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,370
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,703
Derivatives$452
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,199
Total interest expense $491
Net interest income $2,708
Provision for loan and lease losses $67
Total noninterest income $861
Fiduciary activities $0
Service charges on deposit accounts $626
Trading account gains & fees $0
Additional noninterest income $235
Total noninterest expense $3,667
Salaries and employee benefits $1,878
Premises and equipment expense $662
Additional noninterest expense $1,127
Pre-tax net operating income -$165
Securities gains (losses) $253
Applicable income taxes $0
Income before extraordinary items $88
Extraordinary gains - net $0
Net income attributable to bank $88
Net charge-offs $0
Cash dividends $88
Sale, conversion, retirement of capital stock, net -$4
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 assets5.28%
Cost of funding earning assets 0.81%
Net interest margin 4.47%
Noninterest income to earning assets 1.42%
Noninterest expense to earning assets 6.05%
Net operating income to assets -0.24%
Return on assets (ROA) 0.13%
Pretax return on assets 0.13%
Return on equity (ROE) 1.22%
Retained earnings to average equity (YTD only) 1.22%
Net charge-offs to loans -0.01%
Credit loss provision to net charge-offs -1675.00%
Efficiency ratio0.00%
Assets per employee$102,746
Cash dividends to net income (YTD only)2.75%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.98%
Noncurrent assets plus other real estate owned to assets 135.38%
Noncurrent loans to loans 2.00%
Net loans and leases to deposits1.46%
Net loans and leases to core deposits 65.30%
Equity capital to assets 72.70%
Core capital (leverage) ratio 10.16%
Tier 1 risk-based capital ratio 11.19%
Total risk-based capital ratio 15.89%
Memoranda
Average assets$17
Average earning assets$67,964
Average equity $7,206
Average loans $60,635
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2 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
032907Unity National Bank Of Houston2602 Blodgett Street, Houston, TX 77004August 01, 1985Full Service Brick and Mortar
3259217Missouri Branch1661 Texas Parkway (Fm 2234), Missouri City, TX 77489March 19, 1998Full Service Brick and Mortar
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