Northstar Bank of Texas in Denton, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Northstar Bank of Texas - Overview

  • General
  • FDIC Certificate #: 20935
    Status: Active
    Federal Reserve ID: 998554
    Bank Holding Company (Regulatory Top Holder): Northstar Financial Corporation (RSSDID: 1109898, Location: Denton, TX)
    Date Established: January 22, 1973
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Domestic: 11, Interstate: No)
    FDIC's unique #: 14461
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 22, 1973
    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: 400 North Carroll, Denton, TX 76201
    County: Denton
    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: $948.9 mil
    Equity capital: $79.4 mil
    Deposits held in domestic offices: $846.3 mil
    Return on assets (ROA): 1.16% ($11.0 mil)
    Quarterly return on assets: 1.10% ($10.4 mil)
    Return on Equity (ROE): 13.80% ($10.9 mil)
    Quarterly return on equity: 13.20% ($10.4 mil)
    Net income: $10.4 mil
    Quarterly Net income: $2.6 mil
    Pretax return on assets: 1.16% ($11,007.0 mil)
    Quarterly Pretax return on assets: 1.10% ($10,437.6 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
  • 195Total employees (full-time equivalent)
  • $948,876Total assets
  • $228,077Cash and due from depository institutions
  • $214,503Interest-bearing balances
  • $43,695Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $629,939Net loans & leases
  • $11,399Loan loss allowance
  • $5,594Trading account assets
  • $19,281Bank premises and fixed assets
  • $10,868Other real estate owned
  • $0Goodwill and other intangibles
  • $948,876Life insurance assets
  • $11,422All other assets
  • $869,447Total liabilities and capital
  • $846,324Total liabilities
  • $803,200Total deposits
  • $846,324Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 5838.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,000Trading liabilities
  • $0Other borrowed funds
  • $2,285Subordinated debt
  • $79,429All other liabilities
  • $79,429Total equity capital
  • $79,429Total bank equity capital
  • $0Perpetual preferred stock
  • $366Common stock
  • $52,939Surplus
  • $26,124Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $6,468Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,494Income earned, not collected on loans
  • $0Earning assets
  • $2,862Long-term assets (5+ years)
  • $893,731Average Assets, year-to-date
  • $328,404Average Assets, quarterly
  • $896,282Volatile liabilities
  • $935,235Insider loans
  • $663,195FHLB advances
  • $932,647Loans and leases held for sale
  • $4,747Unused loan commitments
  • $552Tier 1 (core) risk-based capital
  • $78,158Tier 2 risk-based capital
  • $1,741Total risk weighted assets
  • $2,454Total unused commitments
  • $89,552Restructured Loans and leases
  • $14,279Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $40,425Total interest income
  • $8,595Total interest expense
  • $31,830Net interest income
  • $3,082Provision for loan and lease losses
  • $7,140Total noninterest income
  • $0Fiduciary activities
  • $1,898Service charges on deposit accounts
  • $397Trading account gains & fees
  • $4,845Additional noninterest income
  • $25,564Total noninterest expense
  • $13,756Salaries and employee benefits
  • $3,113Premises and equipment expense
  • $8,695Additional noninterest expense
  • $10,324Pre-tax net operating income
  • $62Securities gains (losses)
  • $0Applicable income taxes
  • $10,386Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,386Net income attributable to bank
  • $0Net charge-offs
  • $10,386Cash dividends
  • $2,433Sale, conversion, retirement of capital stock, net
  • $4,050Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.80%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 3.78%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 3.03%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 13.80%Return on equity (ROE)
  • 8.42%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 126.67%Credit loss provision to net charge-offs
  • 5.51%Efficiency ratio
  • 65,599Assets per employee
  • 4.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.99%Loss allowance to loans
  • 1.78%Loss allowance to noncurrent loans
  • 175.53%Noncurrent assets plus other real estate owned to assets
  • 1.83%Noncurrent loans to loans
  • 1.01%Net loans and leases to deposits
  • 74.43%Net loans and leases to core deposits
  • 82.76%Equity capital to assets
  • 8.37%Core capital (leverage) ratio
  • 8.38%Tier 1 risk-based capital ratio
  • 11.79%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $896,282Average earning assets
  • $75,276Average equity
  • $842,631Average loans

List of branches

  • 11 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014461Northstar Bank Of Texas400 North Carroll, Denton, TX 76201January 22, 1973Full Service Brick and Mortar
    1251926South Stemmons Branch5100 South Stemmons Freeway, Corinth, TX 76210December 01, 1997Full Service Brick and Mortar
    3251928Lake Dallas Branch2004 Ih-35 East, Lake Dallas, TX 75065September 07, 1999Full Service Brick and Mortar
    4362887Argyle Branch100 South Old Town, Argyle, TX 76226October 12, 2001Full Service Brick and Mortar
    5282588700 S Hwy 377 Branch700 South Hwy 377, Pilot Point, TX 76258January 01, 1955Full Service Brick and Mortar
    6438892Messenger ServiceDenton County Area, Denton, TX 76201August 31, 2004Limited Service Messenger
    7440438Mccart Street Branch1109 E. Mccart Street, Krum, TX 76249May 16, 2005Full Service Brick and Mortar
    8452344South Denton Branch3301 Teasley Lane, Denton, TX 76205May 22, 2006Full Service Brick and Mortar
    9453754Colleyville Branch6110 Colleyville Blvd., Colleyville, TX 76034May 15, 2006Full Service Brick and Mortar
    10453755Lewisville Branch543 W. Main Street, Lewisville, TX 75057January 09, 2006Full Service Brick and Mortar
    12479854Grapevine Branch1002 Texan Trail, Grapevine, TX 76051December 10, 2007Full Service Brick and Mortar

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