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


  • Houston Business Bank in Houston, Texas (TX)
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Houston Business Bank routing number info

Houston Business Bank - Overview

  • General
  • FDIC Certificate #: 58943
    Status: Active
    Federal Reserve ID: 3806472
    Bank Holding Company (Regulatory Top Holder): Texas Independent Bancshares, Inc. (RSSDID: 1103878, Location: Texas City, TX)
    Date Established: May 15, 2009
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 481131
    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: May 15, 2009
    Last Structure Change Effective Date: May 21, 2009
    Last Structure Change Process Date: May 21, 2009
    Last Data Update: May 21, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1535 West Loop South, Suite 120, Houston, TX 77027
    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
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $31.6 mil
    Equity capital: $8.8 mil
    Deposits held in domestic offices: $22.4 mil
    Return on assets (ROA): -1.13% (-$0.4 mil)
    Quarterly return on assets: 0.57% ($0.2 mil)
    Return on Equity (ROE): -3.52% (-$0.3 mil)
    Quarterly return on equity: 1.95% ($0.2 mil)
    Net income: -$0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -1.13% (-$356.7 mil)
    Quarterly Pretax return on assets: 0.57% ($179.9 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
  • 7Total employees (full-time equivalent)
  • $31,567Total assets
  • $1,637Cash and due from depository institutions
  • $352Interest-bearing balances
  • $7,876Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $20,748Net loans & leases
  • $214Loan loss allowance
  • $123Trading account assets
  • $459Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $31,567Life insurance assets
  • $724All other assets
  • $22,723Total liabilities and capital
  • $22,434Total liabilities
  • $15,396Total deposits
  • $22,434Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $123Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $166Subordinated debt
  • $8,844All other liabilities
  • $8,844Total equity capital
  • $8,844Total bank equity capital
  • $0Perpetual preferred stock
  • $5,080Common stock
  • $5,201Surplus
  • $-1,437Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $118Long-term assets (5+ years)
  • $29,099Average Assets, year-to-date
  • $8,549Average Assets, quarterly
  • $27,743Volatile liabilities
  • $30,288Insider loans
  • $26,160FHLB advances
  • $30,212Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,837Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,436Restructured Loans and leases
  • $3,589Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,422Total interest income
  • $156Total interest expense
  • $1,266Net interest income
  • $65Provision for loan and lease losses
  • $136Total noninterest income
  • $0Fiduciary activities
  • $69Service charges on deposit accounts
  • $0Trading account gains & fees
  • $67Additional noninterest income
  • $1,719Total noninterest expense
  • $758Salaries and employee benefits
  • $256Premises and equipment expense
  • $705Additional noninterest expense
  • -$382Pre-tax net operating income
  • $68Securities gains (losses)
  • $0Applicable income taxes
  • -$314Income before extraordinary items
  • $0Extraordinary gains - net
  • -$314Net income attributable to bank
  • $0Net charge-offs
  • -$314Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.65%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 5.03%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 6.84%Noninterest expense to earning assets
  • -1.38%Net operating income to assets
  • -1.13%Return on assets (ROA)
  • -1.13%Pretax return on assets
  • -3.52%Return on equity (ROE)
  • -3.52%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 122,611Assets per employee
  • 4.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 92.48%Net loans and leases to core deposits
  • 116.75%Equity capital to assets
  • 28.02%Core capital (leverage) ratio
  • 29.25%Tier 1 risk-based capital ratio
  • 33.78%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $27,743Average earning assets
  • $8,912Average equity
  • $25,149Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0481131Houston Business Bank1535 West Loop South, Suite 120, Houston, TX 77027May 15, 2009Full Service Brick and Mortar

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