Institution Statistics
| Houston Business Bank | | FDIC Certificate # | 58943 | | BankRate Report | View | | Year Established | 2009 | | Employees | 7 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $31.16 million | | Loans | $21.41 million | | Deposits | $21.55 million | | Equity Capital | $9.00 million | | Loan Loss Allowance | $214,000 | | Unbacked Noncurrent Loans | $100,000 |
Historic Data - March 2011 | | Assets | $25.16 million | | Equity Capital | $8.95 million | | Loan Loss Allowance | $149,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.74% | | Return on Assets | 0.2% | | Return on Equity | 0.71% | | Interest Income | $391,000 |
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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 March 31, 2012 Houston Business Bank had $100,000 in non-current loans and owned real-estate with $9.21 million in equity and loan loss allowances on hand to cover it. This gives Houston Business Bank a Texas Ratio of 1.09% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Houston Business Bank has increased its total deposits by $5.61 million, resulting in 35.21% 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 Houston Business Bank 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. Houston Business Bank has $31.16 million in assets with $9.21 million in equity, resulting in a capitalization level of 29.56%, which is excellent. |
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