TIB The Independent Bankersbank in Irving, Texas (TX), CA, GA, IL, OK
Overview, Financial Summary, Detailed Financial Reports, Branches


  • TIB The Independent Bankersbank in Irving, Texas (TX), CA, GA, IL, OK
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TIB The Independent Bankersbank - Overview

  • General
  • FDIC Certificate #: 23647
    Status: Active
    Federal Reserve ID: 529958
    Bank Holding Company (Regulatory Top Holder): Independent Bankers Financial Corporation (RSSDID: 1109094, Location: Irving, TX)
    Date Established: January 21, 1982
    WWW: http://www.mybankersbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 5, Interstate: Yes)
    OTS Docket #: 12248
    FDIC's unique #: 16552
    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: No
    Asset Concentration Hierarchy: All Other Specialization > 1 Billion
    Date of Deposit Insurance: January 21, 1982
    Last Structure Change Effective Date: November 30, 2010
    Last Structure Change Process Date: Febuary 01, 2011
    Last Data Update: Febuary 01, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 350 Phelps Court, Irving, TX 75039
    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
  • Participated in Reorganization
  • Financial Summary
  • Total assets: $2,507.5 mil
    Equity capital: $189.9 mil
    Deposits held in domestic offices: $1,761.3 mil
    Return on assets (ROA): 0.68% ($17.1 mil)
    Quarterly return on assets: 0.64% ($16.1 mil)
    Return on Equity (ROE): 8.55% ($16.2 mil)
    Quarterly return on equity: 8.41% ($16.0 mil)
    Net income: $16.4 mil
    Quarterly Net income: $4.1 mil
    Pretax return on assets: 0.85% ($21,313.8 mil)
    Quarterly Pretax return on assets: 0.67% ($16,800.3 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
  • 323Total employees (full-time equivalent)
  • $2,507,508Total assets
  • $1,288,646Cash and due from depository institutions
  • $1,244,065Interest-bearing balances
  • $401,797Securities
  • $80,715Federal funds sold & reverse repurchase agreements
  • $637,572Net loans & leases
  • $17,490Loan loss allowance
  • $0Trading account assets
  • $3,885Bank premises and fixed assets
  • $4,108Other real estate owned
  • $13,995Goodwill and other intangibles
  • $2,507,508Life insurance assets
  • $76,790All other assets
  • $2,317,650Total liabilities and capital
  • $1,761,313Total liabilities
  • $965,394Total deposits
  • $1,761,313Interest-bearing deposits
  • $65Deposits held in domestic offices
  • 303262.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $203,366Trading liabilities
  • $0Other borrowed funds
  • $49,709Subordinated debt
  • $189,858All other liabilities
  • $189,858Total equity capital
  • $189,858Total bank equity capital
  • $0Perpetual preferred stock
  • $7,000Common stock
  • $76,000Surplus
  • $106,858Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $49,170Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,417Income earned, not collected on loans
  • $239Earning assets
  • $5,586Long-term assets (5+ years)
  • $2,364,149Average Assets, year-to-date
  • $587,864Average Assets, quarterly
  • $2,418,423Volatile liabilities
  • $2,543,733Insider loans
  • $888,223FHLB advances
  • $2,621,114Loans and leases held for sale
  • $26,002Unused loan commitments
  • $16,591Tier 1 (core) risk-based capital
  • $192,532Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $9,411Total unused commitments
  • $906,764Restructured Loans and leases
  • $15,743Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $51,356Total interest income
  • $20,587Total interest expense
  • $30,769Net interest income
  • $2,719Provision for loan and lease losses
  • $96,989Total noninterest income
  • $0Fiduciary activities
  • $6Service charges on deposit accounts
  • $0Trading account gains & fees
  • $96,983Additional noninterest income
  • $105,914Total noninterest expense
  • $35,948Salaries and employee benefits
  • $2,996Premises and equipment expense
  • $66,970Additional noninterest expense
  • $19,125Pre-tax net operating income
  • $1,381Securities gains (losses)
  • $4,092Applicable income taxes
  • $16,414Income before extraordinary items
  • $0Extraordinary gains - net
  • $16,414Net income attributable to bank
  • $0Net charge-offs
  • $16,414Cash dividends
  • $8,180Sale, conversion, retirement of capital stock, net
  • $8,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.28%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 1.37%Net interest margin
  • 4.31%Noninterest income to earning assets
  • 4.70%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.85%Pretax return on assets
  • 8.55%Return on equity (ROE)
  • 4.38%Retained earnings to average equity (YTD only)
  • 1.24%Net charge-offs to loans
  • 33.24%Credit loss provision to net charge-offs
  • 2.67%Efficiency ratio
  • 82,461Assets per employee
  • 7.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.74%Loss allowance to loans
  • 2.67%Loss allowance to noncurrent loans
  • 140.86%Noncurrent assets plus other real estate owned to assets
  • 0.66%Noncurrent loans to loans
  • 1.90%Net loans and leases to deposits
  • 36.20%Net loans and leases to core deposits
  • 42.58%Equity capital to assets
  • 7.57%Core capital (leverage) ratio
  • 7.35%Tier 1 risk-based capital ratio
  • 21.68%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $2,418,423Average earning assets
  • $191,939Average equity
  • $2,252,911Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    3467671Huntington Beach Branch17011 Beach Blvd Suite 900, Office #3, Huntington Beach, CA 92647June 18, 2007Full Service Brick and Mortar
  • 1 Georgia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4493131Georgia Branch1550 North Brown Rd. Suite 150, Lawrenceville, GA 30043May 28, 2009Full Service Brick and Mortar
  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    5499537Springfield Ibbbb Branch3161 West White Oaks Drive, Suite 300, Springfield, IL 62704December 18, 2009Full Service Brick and Mortar
  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1360774Tulsa Branch7136 S Yale, Suite 215, Tulsa, OK 74136April 12, 2001Full Service Brick and Mortar
  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016552Tib The Independent Bankersbank350 Phelps Court, Irving, TX 75039January 21, 1982Full Service Brick and Mortar

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