Unity National Bank of Houston in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Unity National Bank of Houston - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 26Total employees (full-time equivalent)
  • $71,584Total assets
  • $4,612Cash and due from depository institutions
  • $1,708Interest-bearing balances
  • $9,247Securities
  • $13,214Federal funds sold & reverse repurchase agreements
  • $39,145Net loans & leases
  • $792Loan loss allowance
  • $0Trading account assets
  • $3,019Bank premises and fixed assets
  • $844Other real estate owned
  • $0Goodwill and other intangibles
  • $71,584Life insurance assets
  • $1,503All other assets
  • $64,312Total liabilities and capital
  • $59,947Total liabilities
  • $48,240Total deposits
  • $59,947Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,024Trading liabilities
  • $0Other borrowed funds
  • $341Subordinated debt
  • $7,272All other liabilities
  • $7,272Total equity capital
  • $7,272Total bank equity capital
  • $750Perpetual preferred stock
  • $5,190Common stock
  • $10,071Surplus
  • $-8,739Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $585Income earned, not collected on loans
  • $0Earning assets
  • $274Long-term assets (5+ years)
  • $63,314Average Assets, year-to-date
  • $13,871Average Assets, quarterly
  • $67,964Volatile liabilities
  • $68,875Insider loans
  • $46,375FHLB advances
  • $65,841Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,370Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,703Restructured Loans and leases
  • $452Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,199Total interest income
  • $491Total interest expense
  • $2,708Net interest income
  • $67Provision for loan and lease losses
  • $861Total noninterest income
  • $0Fiduciary activities
  • $626Service charges on deposit accounts
  • $0Trading account gains & fees
  • $235Additional noninterest income
  • $3,667Total noninterest expense
  • $1,878Salaries and employee benefits
  • $662Premises and equipment expense
  • $1,127Additional noninterest expense
  • -$165Pre-tax net operating income
  • $253Securities gains (losses)
  • $0Applicable income taxes
  • $88Income before extraordinary items
  • $0Extraordinary gains - net
  • $88Net income attributable to bank
  • $0Net charge-offs
  • $88Cash dividends
  • -$4Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.28%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 4.47%Net interest margin
  • 1.42%Noninterest income to earning assets
  • 6.05%Noninterest expense to earning assets
  • -0.24%Net operating income to assets
  • 0.13%Return on assets (ROA)
  • 0.13%Pretax return on assets
  • 1.22%Return on equity (ROE)
  • 1.22%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -1675.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 102,746Assets per employee
  • 2.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.98%Loss allowance to noncurrent loans
  • 135.38%Noncurrent assets plus other real estate owned to assets
  • 2.00%Noncurrent loans to loans
  • 1.46%Net loans and leases to deposits
  • 65.30%Net loans and leases to core deposits
  • 72.70%Equity capital to assets
  • 10.16%Core capital (leverage) ratio
  • 11.19%Tier 1 risk-based capital ratio
  • 15.89%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $67,964Average earning assets
  • $7,206Average equity
  • $60,635Average loans

List of branches

  • 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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