North Dallas Bank & Trust Co. in Dallas, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

North Dallas Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 18355
    Status: Active
    Federal Reserve ID: 490450
    Date Established: March 20, 1961
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 12268
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization > 1 Billion
    Date of Deposit Insurance: March 20, 1961
    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: 12900 Preston Road, Dallas, TX 75230
    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: $1,190.4 mil
    Equity capital: $124.1 mil
    Deposits held in domestic offices: $1,053.7 mil
    Return on assets (ROA): 0.48% ($5.7 mil)
    Quarterly return on assets: 0.50% ($6.0 mil)
    Return on Equity (ROE): 4.53% ($5.6 mil)
    Quarterly return on equity: 4.74% ($5.9 mil)
    Net income: $5.5 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 0.72% ($8,570.6 mil)
    Quarterly Pretax return on assets: 0.74% ($8,808.7 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
  • 155Total employees (full-time equivalent)
  • $1,190,368Total assets
  • $315,417Cash and due from depository institutions
  • $287,592Interest-bearing balances
  • $472,112Securities
  • $5,000Federal funds sold & reverse repurchase agreements
  • $372,165Net loans & leases
  • $7,952Loan loss allowance
  • $0Trading account assets
  • $14,093Bank premises and fixed assets
  • $1,370Other real estate owned
  • $0Goodwill and other intangibles
  • $1,190,368Life insurance assets
  • $10,211All other assets
  • $1,066,237Total liabilities and capital
  • $1,053,748Total liabilities
  • $825,053Total deposits
  • $1,053,748Interest-bearing deposits
  • $69Deposits held in domestic offices
  • 11055.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,434Subordinated debt
  • $124,131All other liabilities
  • $124,131Total equity capital
  • $124,131Total bank equity capital
  • $0Perpetual preferred stock
  • $12,845Common stock
  • $28,815Surplus
  • $82,471Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $742Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,794Income earned, not collected on loans
  • $0Earning assets
  • $3,460Long-term assets (5+ years)
  • $1,136,869Average Assets, year-to-date
  • $155,834Average Assets, quarterly
  • $1,146,323Volatile liabilities
  • $1,179,684Insider loans
  • $358,874FHLB advances
  • $1,188,283Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $120,715Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $60,176Restructured Loans and leases
  • $3,477Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $32,220Total interest income
  • $6,735Total interest expense
  • $25,485Net interest income
  • $1,200Provision for loan and lease losses
  • $3,797Total noninterest income
  • $1,017Fiduciary activities
  • $1,327Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,453Additional noninterest income
  • $19,873Total noninterest expense
  • $12,842Salaries and employee benefits
  • $1,628Premises and equipment expense
  • $5,403Additional noninterest expense
  • $8,209Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,694Applicable income taxes
  • $5,515Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,515Net income attributable to bank
  • $0Net charge-offs
  • $5,515Cash dividends
  • $1,457Sale, conversion, retirement of capital stock, net
  • $2,003Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.94%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 2.32%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 1.81%Noninterest expense to earning assets
  • 0.48%Net operating income to assets
  • 0.48%Return on assets (ROA)
  • 0.72%Pretax return on assets
  • 4.53%Return on equity (ROE)
  • 2.89%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 82.36%Credit loss provision to net charge-offs
  • 6.46%Efficiency ratio
  • 67,868Assets per employee
  • 7.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.32%Loss allowance to loans
  • 2.09%Loss allowance to noncurrent loans
  • 209.59%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 1.00%Net loans and leases to deposits
  • 35.32%Net loans and leases to core deposits
  • 38.30%Equity capital to assets
  • 10.43%Core capital (leverage) ratio
  • 10.16%Tier 1 risk-based capital ratio
  • 33.64%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $1,146,323Average earning assets
  • $121,670Average equity
  • $1,096,474Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $205,848Managed Assets
  • 1Number of Accounts
  • $181,649Personal trust and agency accounts
  • $146,919Employee benefit-defined contribution accounts
  • $18,240Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $9,526Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $6,964Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 147Number of Accounts
  • $0Personal trust and agency accounts
  • $9,526Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $24,199Other retirement accounts
  • $1,361Corporate trust and agency accounts
  • $125Other fiduciary accounts
  • $22,700Fiduciary accounts held in foreign offices

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012268North Dallas Bank & Trust Co.12900 Preston Road, Dallas, TX 75230March 20, 1961Full Service Brick and Mortar
    1245109Plano Branch3900 Preston Road, Plano, TX 75093August 22, 1994Full Service Brick and Mortar
    2245110Irving Branch7660 North Macarthur Boulevard, Irving, TX 75063October 21, 1996Full Service Brick and Mortar
    3245111Frisco Branch7359 Preston Road, Frisco, TX 75034April 01, 1999Full Service Brick and Mortar
    4357842Mobile Branch12900 Preston Road, Dallas, TX 75230March 10, 2000Limited Service Mobile
    6437114Addison Branch5150 Keller Springs Road, Dallas, TX 75248December 20, 2004Full Service Brick and Mortar

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