Inwood National Bank in Dallas, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Inwood National Bank - Overview

  • General
  • FDIC Certificate #: 19080
    Status: Active
    Federal Reserve ID: 913753
    Bank Holding Company (Regulatory Top Holder): Inwood Bancshares, Inc. (RSSDID: 1134498, Location: Dallas, TX)
    Date Established: April 09, 1964
    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: 14 (Domestic: 14, Interstate: No)
    OTS Docket #: 10723
    FDIC's unique #: 12913
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 09, 1964
    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: 7621 Inwood Road, Dallas, TX 75209
    County: Dallas
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Dallas, TX (#1920)
    Consolidated Metropolitan Statistical Area (CMSA): Dallas-Fort Worth, TX (#31)
    Combined Statistical Area (CSA): Dallas-Fort Worth, TX (#206)
    Core Based Statistical Area (CBSA): Dallas-Fort Worth-Arlington, TX (#19100)
    CBSA Metro Statistical Area: Dallas-Fort Worth-Arlington, TX (#19100)
    Core Based Statistical Division: Dallas-Plano-Irving, TX (#19124)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,425.4 mil
    Equity capital: $180.3 mil
    Deposits held in domestic offices: $1,226.3 mil
    Return on assets (ROA): 1.76% ($25.1 mil)
    Quarterly return on assets: 1.65% ($23.5 mil)
    Return on Equity (ROE): 13.71% ($24.7 mil)
    Quarterly return on equity: 13.11% ($23.6 mil)
    Net income: $23.6 mil
    Quarterly Net income: $5.8 mil
    Pretax return on assets: 1.76% ($25,086.6 mil)
    Quarterly Pretax return on assets: 1.65% ($23,518.7 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
  • 204Total employees (full-time equivalent)
  • $1,425,373Total assets
  • $275,220Cash and due from depository institutions
  • $250,605Interest-bearing balances
  • $295,222Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $790,409Net loans & leases
  • $12,384Loan loss allowance
  • $0Trading account assets
  • $15,550Bank premises and fixed assets
  • $1,641Other real estate owned
  • $30,854Goodwill and other intangibles
  • $1,425,373Life insurance assets
  • $16,477All other assets
  • $1,245,070Total liabilities and capital
  • $1,226,258Total liabilities
  • $780,664Total deposits
  • $1,226,258Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 14639.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $4,173Subordinated debt
  • $180,303All other liabilities
  • $180,303Total equity capital
  • $180,303Total bank equity capital
  • $0Perpetual preferred stock
  • $787Common stock
  • $47,301Surplus
  • $132,215Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $917Income earned, not collected on loans
  • $0Earning assets
  • $3,558Long-term assets (5+ years)
  • $1,336,236Average Assets, year-to-date
  • $430,143Average Assets, quarterly
  • $1,345,417Volatile liabilities
  • $1,408,240Insider loans
  • $817,855FHLB advances
  • $1,396,533Loans and leases held for sale
  • $4,781Unused loan commitments
  • $4,781Tier 1 (core) risk-based capital
  • $148,835Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $151,903Restructured Loans and leases
  • $16,699Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $52,084Total interest income
  • $5,743Total interest expense
  • $46,341Net interest income
  • $1,250Provision for loan and lease losses
  • $5,167Total noninterest income
  • $0Fiduciary activities
  • $3,301Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,866Additional noninterest income
  • $26,634Total noninterest expense
  • $13,752Salaries and employee benefits
  • $4,781Premises and equipment expense
  • $8,101Additional noninterest expense
  • $23,624Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $23,624Income before extraordinary items
  • $0Extraordinary gains - net
  • $23,624Net income attributable to bank
  • $0Net charge-offs
  • $23,624Cash dividends
  • $177Sale, conversion, retirement of capital stock, net
  • $13,250Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.15%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 3.69%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 2.12%Noninterest expense to earning assets
  • 1.76%Net operating income to assets
  • 1.76%Return on assets (ROA)
  • 1.76%Pretax return on assets
  • 13.71%Return on equity (ROE)
  • 6.02%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 706.21%Credit loss provision to net charge-offs
  • 140.53%Efficiency ratio
  • 51,299Assets per employee
  • 6.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.09%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 1350.49%Noncurrent assets plus other real estate owned to assets
  • 0.18%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 64.46%Net loans and leases to core deposits
  • 68.07%Equity capital to assets
  • 12.65%Core capital (leverage) ratio
  • 10.66%Tier 1 risk-based capital ratio
  • 18.20%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $1,345,417Average earning assets
  • $172,334Average equity
  • $1,255,980Average loans

List of branches

  • 14 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012913Inwood National Bank7621 Inwood Road, Dallas, TX 75209April 09, 1964Full Service Brick and Mortar
    117571Richardson Branch1100 Centennial Boulevard, Richardson, TX 75081August 09, 1984Full Service Brick and Mortar
    217122Turtle Creek Branch198 Turtle Creek Village, Dallas, TX 75219August 15, 1983Full Service Brick and Mortar
    4325681551 South Buckner Banch1551 South Buckner, Dallas, TX 75217May 13, 1985Full Service Brick and Mortar
    7247270Plano Branch900 W Parker, Plano, TX 75074June 23, 1996Full Service Brick and Mortar
    917028Provident Bank - Dallas Branch13760 Noel Road, Suite 100, Dallas, TX 75240June 01, 1983Full Service Brick and Mortar
    101134Commerce Branch1312 Washington Street, Commerce, TX 75428March 27, 1929Full Service Brick and Mortar
    1132534Denton Branch2220 San Jacinto Blvd, Denton, TX 76205April 02, 1985Full Service Brick and Mortar
    1212685De Soto Branch1801 North Hampton Street, De Soto, TX 75115July 06, 1963Full Service Brick and Mortar
    1410456Wylie Branch200 South Highway 78, Wylie, TX 75098May 28, 1945Full Service Brick and Mortar
    1646441Western Bank And Trust Branch219 East Camp Wisdom Road, Duncanville, TX 75116November 15, 1990Full Service Brick and Mortar
    18289387Rowlett Branch8500 Highway 66, Rowlett, TX 75088April 15, 1991Full Service Brick and Mortar
    19289372Garland Branch1200 Main Street, Garland, TX 75040July 06, 1993Full Service Brick and Mortar
    21419904State Branch5301 Rowlett Rd., Rowlett, TX 75088July 06, 1998Limited Service Facility

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