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)
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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

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