Bank of Houston

Bank of Houston is headquartered in Houston and is the 66^th largest bank in the state of Texas. It is also the 889^th largest bank in the nation. It was established in 2005 and as of December of 2011, it had grown to 104 employees at 6 locations. Bank of Houston has a 5-star health rating.

Bank of Houston Routing Number: 113025147

Data for Q4 2011

Institution Statistics Bank of Houston FDIC Certificate # 57965 BankRate Report View Year Established 2005 Employees 104 Primary Regulator FDIC Assets and Liabilities Assets $747.92 million Loans $509.74 million Deposits $623.12 million Equity Capital $68.22 million Loan Loss Allowance $5.94 million Unbacked Noncurrent Loans $623,000 Real Estate Owned $1.69 million Historic Data - December 2010 Assets $600.28 million Equity Capital $47.56 million Loan Loss Allowance $5.45 million Unbacked Noncurrent Loans $6.39 million Real Estate Owned $3.68 million Profit Margin - Quarterly Net Interest Margin 4.34% Return on Assets 0.96% Return on Equity 11.1% Interest Income $30.60 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Houston had $2.31 million in non-current loans and owned real-estate with $74.16 million in equity and loan loss allowances on hand to cover it. This gives Bank of Houston a Texas Ratio of 3.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Houston decreased significantly from 19.01% as of December 31, 2010 to 3.12% as of December 31, 2011, resulting in a positive change of 83.60%.This indicates that the balance sheet and financial strength for Bank of Houston has improved significantly in recent periods. Deposit Growth In the past year, Bank of Houston has increased its total deposits by $102.03 million, resulting in 19.58% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Houston has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Houston has $747.92 million in assets with $74.16 million in equity, resulting in a capitalization level of 9.92%, which is average.

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