North Texas Bank, National Association in Decatur, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • North Texas Bank, National Association in Decatur, Texas (TX)
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North Texas Bank, National Association - Overview

  • General
  • FDIC Certificate #: 57817
    Status: Active
    Federal Reserve ID: 3280335
    Bank Holding Company (Regulatory Top Holder): Chisholm Bancshares, Inc. (RSSDID: 3280317, Location: Decatur, TX)
    Date Established: October 05, 2004
    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: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 426560
    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: October 05, 2004
    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: 661 W. Thompson St., Decatur, TX 76234
    County: Wise
    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
    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: Fort Worth-Arlington, TX (#23104)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $131.8 mil
    Equity capital: $12.1 mil
    Deposits held in domestic offices: $119.5 mil
    Return on assets (ROA): 1.16% ($1.5 mil)
    Quarterly return on assets: 1.31% ($1.7 mil)
    Return on Equity (ROE): 12.94% ($1.6 mil)
    Quarterly return on equity: 14.22% ($1.7 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.16% ($1,528.5 mil)
    Quarterly Pretax return on assets: 1.31% ($1,726.1 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
  • 26Total employees (full-time equivalent)
  • $131,764Total assets
  • $24,301Cash and due from depository institutions
  • $13,281Interest-bearing balances
  • $10,129Securities
  • $4,960Federal funds sold & reverse repurchase agreements
  • $87,725Net loans & leases
  • $1,483Loan loss allowance
  • $0Trading account assets
  • $3,090Bank premises and fixed assets
  • $489Other real estate owned
  • $0Goodwill and other intangibles
  • $131,764Life insurance assets
  • $1,070All other assets
  • $119,655Total liabilities and capital
  • $119,508Total liabilities
  • $92,146Total deposits
  • $119,508Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $147Subordinated debt
  • $12,109All other liabilities
  • $12,109Total equity capital
  • $12,109Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $6,368Surplus
  • $2,741Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $508Income earned, not collected on loans
  • $0Earning assets
  • $425Long-term assets (5+ years)
  • $116,095Average Assets, year-to-date
  • $5,410Average Assets, quarterly
  • $125,548Volatile liabilities
  • $129,242Insider loans
  • $85,011FHLB advances
  • $126,987Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,731Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,539Restructured Loans and leases
  • $2,733Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,872Total interest income
  • $801Total interest expense
  • $5,071Net interest income
  • $173Provision for loan and lease losses
  • $427Total noninterest income
  • $0Fiduciary activities
  • $199Service charges on deposit accounts
  • $0Trading account gains & fees
  • $228Additional noninterest income
  • $3,863Total noninterest expense
  • $2,035Salaries and employee benefits
  • $632Premises and equipment expense
  • $1,196Additional noninterest expense
  • $1,462Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,462Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,462Net income attributable to bank
  • $0Net charge-offs
  • $1,462Cash dividends
  • $25Sale, conversion, retirement of capital stock, net
  • $120Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.11%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 4.42%Net interest margin
  • 0.37%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 1.16%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 12.94%Return on equity (ROE)
  • 11.88%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 692.00%Credit loss provision to net charge-offs
  • 65.40%Efficiency ratio
  • 70,262Assets per employee
  • 5.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 8.21%Loss allowance to loans
  • 1.66%Loss allowance to noncurrent loans
  • 291.93%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 73.41%Net loans and leases to core deposits
  • 84.21%Equity capital to assets
  • 9.19%Core capital (leverage) ratio
  • 9.24%Tier 1 risk-based capital ratio
  • 13.80%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $125,548Average earning assets
  • $11,294Average equity
  • $114,858Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0426560North Texas Bank, National Association661 W. Thompson St., Decatur, TX 76234October 05, 2004Full Service Brick and Mortar
    2505875Roanoke Branch2211b South Oak Street, Roanoke, TX 76262January 04, 2010Full Service Brick and Mortar

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