Northwest Bank in Roanoke, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 31, 2007

  • Northwest Bank in Roanoke, Texas (TX)
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Northwest Bank - Overview

  • General
  • FDIC Certificate #: 24030
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Prosperity Bank (#16835)
    Federal Reserve ID: 657767
    Date Established: October 14, 1982
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    FDIC's unique #: 16753
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 14, 1982
    Last Structure Change Effective Date: January 31, 2007
    Last Structure Change Process Date: March 22, 2007
    Last Data Update: March 22, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 615 Highway 114, Roanoke, TX 76262
    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)
  • Financial Summary
  • Total assets: $172.8 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, 2006)

  • Dollar figures in thousands
  • 58Total employees (full-time equivalent)
  • $172,823Total assets
  • $8,839Cash and due from depository institutions
  • $10Interest-bearing balances
  • $3,898Securities
  • $9,595Federal funds sold & reverse repurchase agreements
  • $117,850Net loans & leases
  • $743Loan loss allowance
  • $0Trading account assets
  • $6,522Bank premises and fixed assets
  • $307Other real estate owned
  • $21,799Goodwill and other intangibles
  • $2,275Life insurance assets
  • $4,013All other assets
  • $172,823Total liabilities and capital
  • $137,533Total liabilities
  • $135,704Total deposits
  • $86,577Interest-bearing deposits
  • $135,704Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,829All other liabilities
  • $35,290Total equity capital
  • $35,290Total bank equity capital
  • $35,290Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $32,866Undivided profits
  • Memoranda
  • $1,924Noncurrent loans and leases
  • $33,975Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $144Earning assets
  • $0Long-term assets (5+ years)
  • $1,350Average Assets, year-to-date
  • $131,353Average Assets, quarterly
  • $8,069Volatile liabilities
  • $154,614Insider loans
  • $170,421FHLB advances
  • $21,343Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $33,975Total unused commitments
  • $0Restructured Loans and leases
  • $743Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $9,021Total interest income
  • $1,923Total interest expense
  • $7,098Net interest income
  • $0Provision for loan and lease losses
  • $765Total noninterest income
  • $0Fiduciary activities
  • $775Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$10Additional noninterest income
  • $5,011Total noninterest expense
  • $2,735Salaries and employee benefits
  • $423Premises and equipment expense
  • $1,853Additional noninterest expense
  • $2,852Pre-tax net operating income
  • $0Securities gains (losses)
  • $949Applicable income taxes
  • $1,903Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,903Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $400Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.25%Yield on earning assets
  • 1.55%Cost of funding earning assets
  • 5.71%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 4.03%Noninterest expense to earning assets
  • 1.23%Net operating income to assets
  • 1.23%Return on assets (ROA)
  • 1.84%Pretax return on assets
  • 7.44%Return on equity (ROE)
  • 7.44%Retained earnings to average equity (YTD only)
  • 0.35%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 7.13%Efficiency ratio
  • 60,231Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.63%Loss allowance to noncurrent loans
  • 515.97%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.12%Net loans and leases to deposits
  • 86.84%Net loans and leases to core deposits
  • 103.05%Equity capital to assets
  • 20.42%Core capital (leverage) ratio
  • 8.87%Tier 1 risk-based capital ratio
  • 10.47%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $154,614Average earning assets
  • $25,562Average equity
  • $124,390Average loans

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