Houston Independent Bank, National Association in Houston, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 2000

  • Houston Independent Bank, National Association in Houston, Texas (TX)
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Houston Independent Bank, National Association - Overview

  • General
  • FDIC Certificate #: 26528
    Status: Inactive
    Federal Reserve ID: 2463850
    Date Established: January 21, 1986
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 33230
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 21, 1986
    Last Structure Change Effective Date: June 01, 2000
    Last Structure Change Process Date: August 21, 2000
    Last Data Update: August 21, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 11110 Roark Road, Houston, TX 77099
    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
  • Other Liquidations and Closings
  • Financial Summary
  • Total assets: $31.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $14Total assets
  • $32,558Cash and due from depository institutions
  • $1,738Interest-bearing balances
  • $0Securities
  • $19,830Federal funds sold & reverse repurchase agreements
  • $2,175Net loans & leases
  • $6,848Loan loss allowance
  • $141Trading account assets
  • $0Bank premises and fixed assets
  • $1,276Other real estate owned
  • $0Goodwill and other intangibles
  • $691Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $32,558Total liabilities
  • $29,847Total deposits
  • $29,324Interest-bearing deposits
  • $24,070Deposits held in domestic offices
  • 29324.00%% insured (estimated)
  • $94Federal funds purchased & repurchase agreements
  • $253Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $270Total equity capital
  • $270Total bank equity capital
  • $2,711Perpetual preferred stock
  • $0Common stock
  • $1,750Surplus
  • $1,925Undivided profits
  • Memoranda
  • $-964Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $40Income earned, not collected on loans
  • $226Earning assets
  • $28,853Long-term assets (5+ years)
  • $6,909Average Assets, year-to-date
  • $32,750Average Assets, quarterly
  • $32,061Volatile liabilities
  • $3,554Insider loans
  • $469FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $362Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,733Total risk weighted assets
  • $12,741Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,016Total interest expense
  • $1,039Net interest income
  • $977Provision for loan and lease losses
  • $0Total noninterest income
  • $331Fiduciary activities
  • $0Service charges on deposit accounts
  • $290Trading account gains & fees
  • $0Additional noninterest income
  • $41Total noninterest expense
  • $1,104Salaries and employee benefits
  • $551Premises and equipment expense
  • $152Additional noninterest expense
  • $401Pre-tax net operating income
  • $204Securities gains (losses)
  • $0Applicable income taxes
  • $0Income before extraordinary items
  • $204Extraordinary gains - net
  • $0Net income attributable to bank
  • $204Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.90%Cost of funding earning assets
  • 3.55%Net interest margin
  • 3.34%Noninterest income to earning assets
  • 1.13%Noninterest expense to earning assets
  • 3.78%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.62%Pretax return on assets
  • 0.62%Return on equity (ROE)
  • 8.07%Retained earnings to average equity (YTD only)
  • 8.07%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 84,404Assets per employee
  • 2.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.02%Loss allowance to noncurrent loans
  • 352.50%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 23.35%Net loans and leases to core deposits
  • 26.32%Equity capital to assets
  • 8.33%Core capital (leverage) ratio
  • 8.58%Tier 1 risk-based capital ratio
  • 21.45%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $32,750Average earning assets
  • $2,528Average equity
  • $29,237Average loans

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