Town North Bank, N. A. in Dallas, Texas (TX)

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Town North Bank, N. A.
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)59
Total assets$714,214
Cash and due from depository institutions$62,503
Interest-bearing balances$53,408
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$392,492
Loan loss allowance $5,289
Trading account assets$0
Bank premises and fixed assets$557
Other real estate owned$3,887
Goodwill and other intangibles$0
All other assets$35,179
Life insurance assets$714,214
Total liabilities and capital$658,477
Total liabilities$470,881
Total deposits$322,520
Interest-bearing deposits$470,881
Deposits held in domestic offices$99
% insured (estimated)58355.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$126,065
Other borrowed funds $0
Subordinated debt $3,176
All other liabilities $55,737
Total equity capital$55,737
Total bank equity capital$55,737
Perpetual preferred stock$0
Common stock$407
Undivided profits $-23,272
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $249,665
Income earned, not collected on loans $10,639
Earning assets $0
Long-term assets (5+ years) $1,522
Average Assets, year-to-date $665,496
Average Assets, quarterly $171,241
Volatile liabilities $770,484
Insider loans $715,465
FHLB advances $462,291
Loans and leases held for sale $718,896
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $65,102
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $27,982
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $22,750
Total interest expense $14,910
Net interest income $7,840
Provision for loan and lease losses $1,318
Total noninterest income $3,231
Fiduciary activities $0
Service charges on deposit accounts $752
Trading account gains & fees $0
Additional noninterest income $2,479
Total noninterest expense $15,687
Salaries and employee benefits $5,614
Premises and equipment expense $2,037
Additional noninterest expense $8,036
Pre-tax net operating income -$5,934
Securities gains (losses) -$7,449
Applicable income taxes -$373
Income before extraordinary items -$13,010
Extraordinary gains - net $0
Net income attributable to bank -$13,010
Net charge-offs $0
Cash dividends -$13,010
Sale, conversion, retirement of capital stock, net $4,297
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.15%
Cost of funding earning assets 2.07%
Net interest margin 1.09%
Noninterest income to earning assets 0.45%
Noninterest expense to earning assets 2.17%
Net operating income to assets -0.75%
Return on assets (ROA) -1.69%
Pretax return on assets -1.74%
Return on equity (ROE) -21.68%
Retained earnings to average equity (YTD only) -21.68%
Net charge-offs to loans 1.40%
Credit loss provision to net charge-offs 30.67%
Efficiency ratio-1.07%
Assets per employee$141,695
Cash dividends to net income (YTD only)12.11%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.33%
Noncurrent assets plus other real estate owned to assets 49.71%
Noncurrent loans to loans 2.57%
Net loans and leases to deposits2.67%
Net loans and leases to core deposits 83.35%
Equity capital to assets 119.37%
Core capital (leverage) ratio 7.80%
Tier 1 risk-based capital ratio 9.06%
Total risk-based capital ratio 14.08%
Average assets$15
Average earning assets$770,484
Average equity $60,019
Average loans $721,922
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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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