Inter National Bank in Mcallen, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Inter National Bank - Overview

  • General
  • FDIC Certificate #: 25879
    Status: Active
    Federal Reserve ID: 894553
    Bank Holding Company (Regulatory Top Holder): Grupo Financiero Banorte, S.A. De C.V. (RSSDID: 3407020, Location: Monterrey)
    Date Established: January 24, 1985
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 20 (Domestic: 20, Interstate: No)
    OTS Docket #: 11041
    FDIC's unique #: 32122
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 24, 1985
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1801 South Col Rowe Blvd, Mcallen, TX 78503
    County: Hidalgo
    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): McAllen-Edinburg-Mission, TX (#4880)
    Core Based Statistical Area (CBSA): McAllen-Edinburg-Mission, TX (#32580)
    CBSA Metro Statistical Area: McAllen-Edinburg-Mission, TX (#32580)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $2,065.7 mil
    Equity capital: $411.3 mil
    Deposits held in domestic offices: $1,646.7 mil
    Return on assets (ROA): 0.32% ($6.6 mil)
    Quarterly return on assets: 0.24% ($5.0 mil)
    Return on Equity (ROE): 1.78% ($7.3 mil)
    Quarterly return on equity: 1.21% ($5.0 mil)
    Net income: $7.1 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 0.47% ($9,708.9 mil)
    Quarterly Pretax return on assets: 0.32% ($6,610.3 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
  • 388Total employees (full-time equivalent)
  • $2,065,725Total assets
  • $52,857Cash and due from depository institutions
  • $24,505Interest-bearing balances
  • $769,545Securities
  • $30,732Federal funds sold & reverse repurchase agreements
  • $761,964Net loans & leases
  • $21,184Loan loss allowance
  • $0Trading account assets
  • $39,815Bank premises and fixed assets
  • $42,047Other real estate owned
  • $214,748Goodwill and other intangibles
  • $2,065,725Life insurance assets
  • $154,017All other assets
  • $1,654,429Total liabilities and capital
  • $1,646,731Total liabilities
  • $1,277,253Total deposits
  • $1,646,731Interest-bearing deposits
  • $59Deposits held in domestic offices
  • 420.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $7,278Subordinated debt
  • $411,296All other liabilities
  • $411,296Total equity capital
  • $411,296Total bank equity capital
  • $0Perpetual preferred stock
  • $1,798Common stock
  • $311,296Surplus
  • $98,202Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $29,423Income earned, not collected on loans
  • $0Earning assets
  • $6,321Long-term assets (5+ years)
  • $1,586,746Average Assets, year-to-date
  • $922,447Average Assets, quarterly
  • $2,203,396Volatile liabilities
  • $2,094,263Insider loans
  • $903,930FHLB advances
  • $1,840,341Loans and leases held for sale
  • $51,569Unused loan commitments
  • $35,560Tier 1 (core) risk-based capital
  • $186,232Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $16,009Total unused commitments
  • $76,315Restructured Loans and leases
  • $8,579Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $80,544Total interest income
  • $25,976Total interest expense
  • $54,568Net interest income
  • $17,662Provision for loan and lease losses
  • $16,368Total noninterest income
  • $0Fiduciary activities
  • $7,084Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9,284Additional noninterest income
  • $49,925Total noninterest expense
  • $19,080Salaries and employee benefits
  • $5,548Premises and equipment expense
  • $25,297Additional noninterest expense
  • $3,349Pre-tax net operating income
  • $6,953Securities gains (losses)
  • $3,172Applicable income taxes
  • $7,130Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,130Net income attributable to bank
  • $0Net charge-offs
  • $7,130Cash dividends
  • $23,244Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.52%Yield on earning assets
  • 1.46%Cost of funding earning assets
  • 3.06%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 2.80%Noninterest expense to earning assets
  • 0.11%Net operating income to assets
  • 0.32%Return on assets (ROA)
  • 0.47%Pretax return on assets
  • 1.78%Return on equity (ROE)
  • 1.78%Retained earnings to average equity (YTD only)
  • 2.69%Net charge-offs to loans
  • 75.99%Credit loss provision to net charge-offs
  • 0.90%Efficiency ratio
  • 68,325Assets per employee
  • 5.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.70%Loss allowance to noncurrent loans
  • 72.00%Noncurrent assets plus other real estate owned to assets
  • 3.46%Noncurrent loans to loans
  • 3.76%Net loans and leases to deposits
  • 46.27%Net loans and leases to core deposits
  • 74.89%Equity capital to assets
  • 19.91%Core capital (leverage) ratio
  • 10.12%Tier 1 risk-based capital ratio
  • 20.60%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $2,203,396Average earning assets
  • $401,556Average equity
  • $1,781,507Average loans

List of branches

  • 20 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032122Inter National Bank1801 South Col Rowe Blvd, Mcallen, TX 78503January 24, 1985Full Service Brick and Mortar
    3283401Mcallen Branch1705 North 23rd Street, Mcallen, TX 78501January 01, 1958Full Service Brick and Mortar
    4283402Mission Branch713 East Tom Landry, Mission, TX 78572January 01, 1958Full Service Brick and Mortar
    5258354Sharyland Branch1926 East Griffin Parkway, Mission, TX 78572March 17, 1997Full Service Brick and Mortar
    6258355North Mcallen Branch730 West Nolana, Mcallen, TX 78504September 20, 1996Full Service Brick and Mortar
    7258356Edinburg Branch1502 South Sugar Road, Edinburg, TX 78539June 29, 1998Full Service Brick and Mortar
    9361185El Paso East Branch1790 Lee Trevino Dr, Ste 100, El Paso, TX 79936November 06, 2000Full Service Brick and Mortar
    10361186El Paso West Branch251 Shadow Mountain Dr, El Paso, TX 79912November 27, 2000Full Service Brick and Mortar
    11362557Plantation Grove Branch3607 Plantation Grove Blvd., Mission, TX 78572November 07, 2001Full Service Brick and Mortar
    12430843East Mcallen Branch1524 North Mccoll Road, Mcallen, TX 78501April 30, 2004Full Service Brick and Mortar
    13443198Express Branch South Mcallen Branch1700 South 10th Street, Mcallen, TX 78503August 15, 2004Full Service Brick and Mortar
    14444055El Paso Main175 E. Arizona, El Paso, TX 79902August 01, 2005Full Service Brick and Mortar
    1516239City National Bank/Branch401 South Kansas, Weslaco, TX 78596August 01, 1980Full Service Brick and Mortar
    16256007Texas Street Branch400 North Texas Street, Weslaco, TX 78596August 31, 1987Limited Service Facility
    17256008Illinois Street Branch502 South Illinois, Weslaco, TX 78596June 30, 1996Limited Service Facility
    18445449Trenton Branch2228 Trenton Road, Mcallen, TX 78504September 26, 2005Full Service Brick and Mortar
    19457059Shary Express #3 Branch2401 East Expressway 83, Mission, TX 78572October 23, 2006Full Service Brick and Mortar
    20457888I Road Branch1200 East Expressway 83, Pharr, TX 78577November 13, 2006Full Service Brick and Mortar
    21477393Laredo Branch7219 Mcpherson Road, Laredo, TX 78041April 30, 2008Full Service Brick and Mortar
    22478970Brownsville Branch1785 Ruben M. Torres Blvd, Brownsville, TX 78521April 23, 2008Full Service Brick and Mortar

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