Vista Bank Texas in Houston, Texas (TX)



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Vista Bank Texas routing number info

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Vista Bank Texas
GeneralFDIC Certificate #: 20349
Status: Active
Federal Reserve ID: 99059
Bank Holding Company (Regulatory Top Holder): Vb Texas, Inc. (RSSDID: 3461358, Location: Houston, TX)
Date Established: January 20, 1971
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 8 (Domestic: 8, Interstate: No)
FDIC's unique #: 14013
Numeric code: 21
Regulator: FDIC
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 20, 1971
Last Structure Change Effective Date: July 01, 2011
Last Structure Change Process Date: July 06, 2011
Last Data Update: July 06, 2011
Data Source Date: April 05, 2012
LocationAddress: 1415 Louisiana, Suite 400, Houston, TX 77002
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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $616.7 mil
Equity capital: $78.5 mil
Deposits held in domestic offices: $484.1 mil
Return on assets (ROA): 1.05% ($6.5 mil)
Quarterly return on assets: 0.35% ($2.2 mil)
Return on Equity (ROE): 8.24% ($6.5 mil)
Quarterly return on equity: 2.66% ($2.1 mil)
Net income: $5.4 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.09% ($6,721.6 mil)
Quarterly Pretax return on assets: 0.52% ($3,206.6 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)109
Total assets$616,660
Cash and due from depository institutions$162,343
Interest-bearing balances$152,878
Securities$45,247
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$381,265
Loan loss allowance $5,223
Trading account assets$0
Bank premises and fixed assets$10,249
Other real estate owned$1,258
Goodwill and other intangibles$7,754
All other assets$8,544
Life insurance assets$616,660
Total liabilities and capital$538,111
Total liabilities$484,101
Total deposits$313,089
Interest-bearing deposits$484,101
Deposits held in domestic offices$78
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$52,743
Other borrowed funds $0
Subordinated debt $1,267
All other liabilities $78,549
Total equity capital$78,549
Total bank equity capital$78,549
Perpetual preferred stock$0
Common stock$430
Surplus$68,255
Undivided profits $9,864
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $11,618
Income earned, not collected on loans $407
Earning assets $0
Long-term assets (5+ years) $1,581
Average Assets, year-to-date $579,390
Average Assets, quarterly $58,534
Volatile liabilities $515,555
Insider loans $597,147
FHLB advances $400,229
Loans and leases held for sale $588,782
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $69,807
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $103,192
Derivatives$20,633
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $22,052
Total interest expense $3,729
Net interest income $18,323
Provision for loan and lease losses $925
Total noninterest income $2,647
Fiduciary activities $0
Service charges on deposit accounts $825
Trading account gains & fees $0
Additional noninterest income $1,822
Total noninterest expense $14,431
Salaries and employee benefits $8,927
Premises and equipment expense $1,821
Additional noninterest expense $3,683
Pre-tax net operating income $5,614
Securities gains (losses) $0
Applicable income taxes $225
Income before extraordinary items $5,389
Extraordinary gains - net $0
Net income attributable to bank $5,389
Net charge-offs $0
Cash dividends $5,389
Sale, conversion, retirement of capital stock, net $116
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 assets4.57%
Cost of funding earning assets 0.77%
Net interest margin 3.80%
Noninterest income to earning assets 0.55%
Noninterest expense to earning assets 2.99%
Net operating income to assets 1.05%
Return on assets (ROA) 1.05%
Pretax return on assets 1.09%
Return on equity (ROE) 8.24%
Retained earnings to average equity (YTD only) 8.24%
Net charge-offs to loans 0.03%
Credit loss provision to net charge-offs 797.41%
Efficiency ratio56.37%
Assets per employee$67,706
Cash dividends to net income (YTD only)5.66%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.35%
Noncurrent assets plus other real estate owned to assets 1283.29%
Noncurrent loans to loans 0.27%
Net loans and leases to deposits0.11%
Net loans and leases to core deposits 78.76%
Equity capital to assets 90.36%
Core capital (leverage) ratio 12.74%
Tier 1 risk-based capital ratio 11.86%
Total risk-based capital ratio 17.44%
Memoranda
Average assets$19
Average earning assets$515,555
Average equity $65,362
Average loans $482,490
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8 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
014013Vista Bank Texas1415 Louisiana, Suite 400, Houston, TX 77002January 20, 1971Full Service Brick and Mortar
1250780Wharton1610 North Alabama Road, Wharton, TX 77488Febuary 25, 1988Full Service Brick and Mortar
2457036Boling100 Texas Avenue, Boling, TX 77420November 06, 2006Full Service Brick and Mortar
3480013Edloe Branch2606 Edloe Street, Houston, TX 77027August 06, 2007Full Service Retail
4480014Champions Branch6461 Fm 1960 West, Houston, TX 77069November 05, 2007Full Service Brick and Mortar
5480015290 Branch14561 Nw Freeway, Houston, TX 77040December 17, 2007Full Service Brick and Mortar
6463405Sugar Land Branch4690 Sweetwater Blvd., Sugar Land, TX 77479November 09, 2007Full Service Brick and Mortar
7527650Katy Freeway Branch9235 Katy Freeway, Suite 160, Houston, TX 77024December 29, 2011Full Service Brick and Mortar
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