Pointbank in Pilot Point, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Pointbank in Pilot Point, Texas (TX)
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Pointbank - Overview

  • General
  • FDIC Certificate #: 3389
    Status: Active
    Federal Reserve ID: 844567
    Bank Holding Company (Regulatory Top Holder): Pilot Point Bancorp, Inc. Esop (RSSDID: 3353837, Location: Pilot Point, TX)
    Date Established: July 13, 1892
    WWW: http://www.pointbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 10531
    FDIC's unique #: 2204
    Numeric code: 13
    Regulator: FED
    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 01, 1934
    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: 200 South Highway 377, Pilot Point, TX 76258
    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: $325.7 mil
    Equity capital: $35.5 mil
    Deposits held in domestic offices: $287.2 mil
    Return on assets (ROA): 1.15% ($3.7 mil)
    Quarterly return on assets: 0.97% ($3.2 mil)
    Return on Equity (ROE): 11.74% ($4.1 mil)
    Quarterly return on equity: 9.03% ($3.2 mil)
    Net income: $3.8 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.15% ($3,745.5 mil)
    Quarterly Pretax return on assets: 0.97% ($3,159.3 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
  • 115Total employees (full-time equivalent)
  • $325,697Total assets
  • $16,265Cash and due from depository institutions
  • $4,042Interest-bearing balances
  • $88,903Securities
  • $12,980Federal funds sold & reverse repurchase agreements
  • $184,791Net loans & leases
  • $3,620Loan loss allowance
  • $0Trading account assets
  • $2,753Bank premises and fixed assets
  • $13,172Other real estate owned
  • $0Goodwill and other intangibles
  • $325,697Life insurance assets
  • $6,833All other assets
  • $290,206Total liabilities and capital
  • $287,246Total liabilities
  • $258,291Total deposits
  • $287,246Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $100Trading liabilities
  • $0Other borrowed funds
  • $2,860Subordinated debt
  • $35,491All other liabilities
  • $35,491Total equity capital
  • $35,491Total bank equity capital
  • $0Perpetual preferred stock
  • $356Common stock
  • $14,644Surplus
  • $20,491Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $4,449Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,609Income earned, not collected on loans
  • $0Earning assets
  • $1,730Long-term assets (5+ years)
  • $290,716Average Assets, year-to-date
  • $163,061Average Assets, quarterly
  • $325,817Volatile liabilities
  • $323,242Insider loans
  • $213,591FHLB advances
  • $325,907Loans and leases held for sale
  • $2,363Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $31,337Tier 2 risk-based capital
  • $2,363Total risk weighted assets
  • $0Total unused commitments
  • $14,310Restructured Loans and leases
  • $3,366Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,732Total interest income
  • $2,198Total interest expense
  • $14,534Net interest income
  • $900Provision for loan and lease losses
  • $5,074Total noninterest income
  • $0Fiduciary activities
  • $3,050Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,024Additional noninterest income
  • $15,773Total noninterest expense
  • $7,473Salaries and employee benefits
  • $3,494Premises and equipment expense
  • $4,806Additional noninterest expense
  • $2,935Pre-tax net operating income
  • $815Securities gains (losses)
  • $0Applicable income taxes
  • $3,750Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,750Net income attributable to bank
  • $0Net charge-offs
  • $3,750Cash dividends
  • $1,058Sale, conversion, retirement of capital stock, net
  • $1,178Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.74%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 4.98%Net interest margin
  • 1.74%Noninterest income to earning assets
  • 5.41%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 11.74%Return on equity (ROE)
  • 8.05%Retained earnings to average equity (YTD only)
  • 0.53%Net charge-offs to loans
  • 85.07%Credit loss provision to net charge-offs
  • 3.62%Efficiency ratio
  • 80,442Assets per employee
  • 2.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.41%Loss allowance to loans
  • 1.92%Loss allowance to noncurrent loans
  • 138.75%Noncurrent assets plus other real estate owned to assets
  • 4.85%Noncurrent loans to loans
  • 1.38%Net loans and leases to deposits
  • 64.33%Net loans and leases to core deposits
  • 67.27%Equity capital to assets
  • 10.90%Core capital (leverage) ratio
  • 9.62%Tier 1 risk-based capital ratio
  • 14.67%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $325,817Average earning assets
  • $31,939Average equity
  • $291,567Average loans

List of branches

  • 9 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02204Pointbank200 South Highway 377, Pilot Point, TX 76258July 13, 1892Full Service Brick and Mortar
    1196386Aubrey Branch423 Tisdell Lane, Aubrey, TX 76227Febuary 09, 1987Full Service Brick and Mortar
    3196388Denton Bank North Branch1700 North Carroll Boulevard, Denton, TX 76201April 16, 1992Full Service Brick and Mortar
    4196389Denton Bank South Branch525 I-35e, Denton, TX 76205April 05, 1994Full Service Brick and Mortar
    5196390Lewisville Branch915 West Main, Lewisville, TX 75067August 02, 1996Full Service Brick and Mortar
    6196391Corinth Branch3971 F.M. 2181, Denton, TX 76205Febuary 23, 2000Full Service Brick and Mortar
    7362200Argyle Branch302 N Hwy 377, Argyle, TX 76226April 23, 2001Full Service Brick and Mortar
    8430087Little Elm Branch2103 E Eldorado Parkway, Little Elm, TX 75068May 25, 2004Full Service Brick and Mortar
    10478304Flower Mound Branch4920 Long Prairie Road, Flower Mound, TX 75028June 01, 2008Full Service Brick and Mortar

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