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

Vista Bank Texas - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 109Total employees (full-time equivalent)
  • $616,660Total assets
  • $162,343Cash and due from depository institutions
  • $152,878Interest-bearing balances
  • $45,247Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $381,265Net loans & leases
  • $5,223Loan loss allowance
  • $0Trading account assets
  • $10,249Bank premises and fixed assets
  • $1,258Other real estate owned
  • $7,754Goodwill and other intangibles
  • $616,660Life insurance assets
  • $8,544All other assets
  • $538,111Total liabilities and capital
  • $484,101Total liabilities
  • $313,089Total deposits
  • $484,101Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $52,743Trading liabilities
  • $0Other borrowed funds
  • $1,267Subordinated debt
  • $78,549All other liabilities
  • $78,549Total equity capital
  • $78,549Total bank equity capital
  • $0Perpetual preferred stock
  • $430Common stock
  • $68,255Surplus
  • $9,864Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $11,618Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $407Income earned, not collected on loans
  • $0Earning assets
  • $1,581Long-term assets (5+ years)
  • $579,390Average Assets, year-to-date
  • $58,534Average Assets, quarterly
  • $515,555Volatile liabilities
  • $597,147Insider loans
  • $400,229FHLB advances
  • $588,782Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $69,807Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $103,192Restructured Loans and leases
  • $20,633Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $22,052Total interest income
  • $3,729Total interest expense
  • $18,323Net interest income
  • $925Provision for loan and lease losses
  • $2,647Total noninterest income
  • $0Fiduciary activities
  • $825Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,822Additional noninterest income
  • $14,431Total noninterest expense
  • $8,927Salaries and employee benefits
  • $1,821Premises and equipment expense
  • $3,683Additional noninterest expense
  • $5,614Pre-tax net operating income
  • $0Securities gains (losses)
  • $225Applicable income taxes
  • $5,389Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,389Net income attributable to bank
  • $0Net charge-offs
  • $5,389Cash dividends
  • $116Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.57%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 3.80%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 8.24%Return on equity (ROE)
  • 8.24%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 797.41%Credit loss provision to net charge-offs
  • 56.37%Efficiency ratio
  • 67,706Assets per employee
  • 5.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 1283.29%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 78.76%Net loans and leases to core deposits
  • 90.36%Equity capital to assets
  • 12.74%Core capital (leverage) ratio
  • 11.86%Tier 1 risk-based capital ratio
  • 17.44%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $515,555Average earning assets
  • $65,362Average equity
  • $482,490Average loans

List of branches

  • 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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