University Bank in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 06, 1997

  • University Bank in Houston, Texas (TX)
  • Show street view No street view available for this location

University Bank - Overview

  • General
  • FDIC Certificate #: 15885
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: International Bank of Commerce (#19629)
    Federal Reserve ID: 780357
    Date Established: April 01, 1942
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 10533
    FDIC's unique #: 10121
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 20, 1942
    Last Structure Change Effective Date: November 06, 1997
    Last Structure Change Process Date: December 31, 1997
    Last Data Update: December 31, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 5615 Kirby Drive, Houston, TX 77005
    County: Harris
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: New York
    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: $228.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $99Total assets
  • $225,776Cash and due from depository institutions
  • $10,525Interest-bearing balances
  • $1,594Securities
  • $64,248Federal funds sold & reverse repurchase agreements
  • $12,500Net loans & leases
  • $130,621Loan loss allowance
  • $1,068Trading account assets
  • $0Bank premises and fixed assets
  • $5,219Other real estate owned
  • $250Goodwill and other intangibles
  • $1,950Life insurance assets
  • $463All other assets
  • $0Total liabilities and capital
  • $225,776Total liabilities
  • $204,844Total deposits
  • $201,170Interest-bearing deposits
  • $161,867Deposits held in domestic offices
  • 201170.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,322Subordinated debt
  • $0All other liabilities
  • $2,352Total equity capital
  • $2,352Total bank equity capital
  • $20,932Perpetual preferred stock
  • $0Common stock
  • $2,500Surplus
  • $13,500Undivided profits
  • Memoranda
  • $4,932Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $133Income earned, not collected on loans
  • $579Earning assets
  • $208,963Long-term assets (5+ years)
  • $14,829Average Assets, year-to-date
  • $219,900Average Assets, quarterly
  • $224,503Volatile liabilities
  • $22,474Insider loans
  • $731FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $4,953Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $20,741Total risk weighted assets
  • $153,225Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $15,167Total interest expense
  • $5,823Net interest income
  • $9,344Provision for loan and lease losses
  • $124Total noninterest income
  • $1,791Fiduciary activities
  • $245Service charges on deposit accounts
  • $1,039Trading account gains & fees
  • $0Additional noninterest income
  • $507Total noninterest expense
  • $8,451Salaries and employee benefits
  • $4,021Premises and equipment expense
  • $1,779Additional noninterest expense
  • $2,651Pre-tax net operating income
  • $2,560Securities gains (losses)
  • $19Applicable income taxes
  • $817Income before extraordinary items
  • $1,762Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,762Net charge-offs
  • $2Cash dividends
  • $1,300Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.44%Cost of funding earning assets
  • 2.86%Net interest margin
  • 4.58%Noninterest income to earning assets
  • 0.88%Noninterest expense to earning assets
  • 4.15%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 0.80%Pretax return on assets
  • 1.17%Return on equity (ROE)
  • 8.56%Retained earnings to average equity (YTD only)
  • 2.24%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 6200.00%Efficiency ratio
  • 75,420Assets per employee
  • 2.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 73.78%Loss allowance to loans
  • 0.81%Loss allowance to noncurrent loans
  • 803.01%Noncurrent assets plus other real estate owned to assets
  • 0.17%Noncurrent loans to loans
  • 0.10%Net loans and leases to deposits
  • 64.93%Net loans and leases to core deposits
  • 72.56%Equity capital to assets
  • 9.27%Core capital (leverage) ratio
  • 9.36%Tier 1 risk-based capital ratio
  • 13.54%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $219,900Average earning assets
  • $20,580Average equity
  • $203,877Average loans

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with University Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents