Town North Bank, N. A. in Dallas, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Town North Bank, N. A. - Overview

  • General
  • FDIC Certificate #: 20727
    Status: Active
    Federal Reserve ID: 384652
    Bank Holding Company (Regulatory Top Holder): Cu Bank Shares, Inc. (RSSDID: 1102581, Location: Dallas, TX)
    Date Established: June 26, 1972
    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)
    OTS Docket #: 13287
    FDIC's unique #: 14317
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: June 26, 1972
    Last Structure Change Effective Date: August 21, 2007
    Last Structure Change Process Date: January 10, 2008
    Last Data Update: January 10, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 4455 Lbj Freeway, Dallas, TX 75244
    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
  • Change in Location
  • Financial Summary
  • Total assets: $714.2 mil
    Equity capital: $55.7 mil
    Deposits held in domestic offices: $470.9 mil
    Return on assets (ROA): -1.69% (-$12.1 mil)
    Quarterly return on assets: -2.63% (-$18.8 mil)
    Return on Equity (ROE): -21.68% (-$12.1 mil)
    Quarterly return on equity: -32.80% (-$18.4 mil)
    Net income: -$13.0 mil
    Quarterly Net income: -$4.7 mil
    Pretax return on assets: -1.74% (-$12,427.3 mil)
    Quarterly Pretax return on assets: -2.63% (-$18,783.8 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, 2011)

  • Dollar figures in thousands
  • 59Total employees (full-time equivalent)
  • $714,214Total assets
  • $62,503Cash and due from depository institutions
  • $53,408Interest-bearing balances
  • $219,596Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $392,492Net loans & leases
  • $5,289Loan loss allowance
  • $0Trading account assets
  • $557Bank premises and fixed assets
  • $3,887Other real estate owned
  • $0Goodwill and other intangibles
  • $714,214Life insurance assets
  • $35,179All other assets
  • $658,477Total liabilities and capital
  • $470,881Total liabilities
  • $322,520Total deposits
  • $470,881Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 58355.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $126,065Trading liabilities
  • $0Other borrowed funds
  • $3,176Subordinated debt
  • $55,737All other liabilities
  • $55,737Total equity capital
  • $55,737Total bank equity capital
  • $0Perpetual preferred stock
  • $407Common stock
  • $78,602Surplus
  • $-23,272Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $249,665Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,639Income earned, not collected on loans
  • $0Earning assets
  • $1,522Long-term assets (5+ years)
  • $665,496Average Assets, year-to-date
  • $171,241Average Assets, quarterly
  • $770,484Volatile liabilities
  • $715,465Insider loans
  • $462,291FHLB advances
  • $718,896Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $65,102Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $27,982Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $22,750Total interest income
  • $14,910Total interest expense
  • $7,840Net interest income
  • $1,318Provision for loan and lease losses
  • $3,231Total noninterest income
  • $0Fiduciary activities
  • $752Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,479Additional noninterest income
  • $15,687Total noninterest expense
  • $5,614Salaries and employee benefits
  • $2,037Premises and equipment expense
  • $8,036Additional noninterest expense
  • -$5,934Pre-tax net operating income
  • -$7,449Securities gains (losses)
  • -$373Applicable income taxes
  • -$13,010Income before extraordinary items
  • $0Extraordinary gains - net
  • -$13,010Net income attributable to bank
  • $0Net charge-offs
  • -$13,010Cash dividends
  • $4,297Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.15%Yield on earning assets
  • 2.07%Cost of funding earning assets
  • 1.09%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 2.17%Noninterest expense to earning assets
  • -0.75%Net operating income to assets
  • -1.69%Return on assets (ROA)
  • -1.74%Pretax return on assets
  • -21.68%Return on equity (ROE)
  • -21.68%Retained earnings to average equity (YTD only)
  • 1.40%Net charge-offs to loans
  • 30.67%Credit loss provision to net charge-offs
  • -1.07%Efficiency ratio
  • 141,695Assets per employee
  • 12.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 49.71%Noncurrent assets plus other real estate owned to assets
  • 2.57%Noncurrent loans to loans
  • 2.67%Net loans and leases to deposits
  • 83.35%Net loans and leases to core deposits
  • 119.37%Equity capital to assets
  • 7.80%Core capital (leverage) ratio
  • 9.06%Tier 1 risk-based capital ratio
  • 14.08%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $770,484Average earning assets
  • $60,019Average equity
  • $721,922Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014317Town North Bank, N. A.4455 Lbj Freeway, Dallas, TX 75244June 26, 1972Full Service Brick and Mortar
    4251615Mobile Branch4455 Lbj Freeway, Dallas, TX 75244November 19, 1996Limited Service Mobile

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