T Bank, National Association in Dallas, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

T Bank, National Association - Overview

  • General
  • FDIC Certificate #: 57703
    Status: Active
    Federal Reserve ID: 3284445
    Bank Holding Company (Regulatory Top Holder): T Bancshares, Inc. (RSSDID: 3284454, Location: Dallas, TX)
    Date Established: November 02, 2004
    WWW: http://www.tbank.com
    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 #: 420285
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 02, 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: 16000 Dallas Parkway, Suite 125, Dallas, TX 75248
    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: $123.3 mil
    Equity capital: $10.5 mil
    Deposits held in domestic offices: $111.3 mil
    Return on assets (ROA): -0.45% (-$0.6 mil)
    Quarterly return on assets: 1.77% ($2.2 mil)
    Return on Equity (ROE): -5.12% (-$0.6 mil)
    Quarterly return on equity: 20.53% ($2.3 mil)
    Net income: -$0.5 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: -0.45% (-$554.9 mil)
    Quarterly Pretax return on assets: 1.77% ($2,182.6 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
  • 24Total employees (full-time equivalent)
  • $123,312Total assets
  • $29,300Cash and due from depository institutions
  • $27,966Interest-bearing balances
  • $6,494Securities
  • $183Federal funds sold & reverse repurchase agreements
  • $82,278Net loans & leases
  • $1,352Loan loss allowance
  • $0Trading account assets
  • $317Bank premises and fixed assets
  • $1,729Other real estate owned
  • $0Goodwill and other intangibles
  • $123,312Life insurance assets
  • $3,011All other assets
  • $112,803Total liabilities and capital
  • $111,321Total liabilities
  • $97,245Total deposits
  • $111,321Interest-bearing deposits
  • $61Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,482Subordinated debt
  • $10,509All other liabilities
  • $10,509Total equity capital
  • $10,509Total bank equity capital
  • $0Perpetual preferred stock
  • $7,000Common stock
  • $9,000Surplus
  • $-5,491Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $79Income earned, not collected on loans
  • $0Earning assets
  • $283Long-term assets (5+ years)
  • $116,921Average Assets, year-to-date
  • $32,305Average Assets, quarterly
  • $113,209Volatile liabilities
  • $118,956Insider loans
  • $86,767FHLB advances
  • $101,453Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,391Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,250Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,712Total interest income
  • $1,932Total interest expense
  • $4,780Net interest income
  • -$213Provision for loan and lease losses
  • $8,801Total noninterest income
  • $8,594Fiduciary activities
  • $43Service charges on deposit accounts
  • $0Trading account gains & fees
  • $164Additional noninterest income
  • $14,377Total noninterest expense
  • $2,374Salaries and employee benefits
  • $792Premises and equipment expense
  • $11,211Additional noninterest expense
  • -$583Pre-tax net operating income
  • $70Securities gains (losses)
  • $0Applicable income taxes
  • -$513Income before extraordinary items
  • $0Extraordinary gains - net
  • -$513Net income attributable to bank
  • $0Net charge-offs
  • -$513Cash dividends
  • $189Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.30%Yield on earning assets
  • 1.81%Cost of funding earning assets
  • 4.49%Net interest margin
  • 8.26%Noninterest income to earning assets
  • 13.50%Noninterest expense to earning assets
  • -0.51%Net operating income to assets
  • -0.45%Return on assets (ROA)
  • -0.45%Pretax return on assets
  • -5.12%Return on equity (ROE)
  • -5.12%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • -112.70%Credit loss provision to net charge-offs
  • -4.21%Efficiency ratio
  • 105,861Assets per employee
  • 5.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 1711.39%Noncurrent assets plus other real estate owned to assets
  • 1.47%Noncurrent loans to loans
  • 0.09%Net loans and leases to deposits
  • 73.91%Net loans and leases to core deposits
  • 78.92%Equity capital to assets
  • 8.52%Core capital (leverage) ratio
  • 10.24%Tier 1 risk-based capital ratio
  • 11.98%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $113,209Average earning assets
  • $10,017Average equity
  • $106,534Average 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
  • $168,415Managed Assets
  • 1Number of Accounts
  • $1,521Personal trust and agency accounts
  • $1,237Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $284Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1006Number of Accounts
  • $0Personal trust and agency accounts
  • $284Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $166,894Other retirement accounts
  • $166,401Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0420285T Bank, National Association16000 Dallas Parkway, Suite 125, Dallas, TX 75248November 02, 2004Full Service Brick and Mortar
    1450288Plano Branch8100 N. Dallas Parkway, Suite 111, Plano, TX 75024November 02, 2004Full Service Brick and Mortar

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