Vitals
  • Total Assets
    156.1M
  • Total Deposits
    138.7M
  • Total Net Loans
    106.5M
  • Net Income
    1.1M
  • Book Value
    16.8M
  • Book Value x2
    33.6M
  • Book Value x3
    50.5M
ROAA

1.43

ROAE

13.228

Efficiency Ratio

64.495

Net Interest Margin

5.513

Balance Sheet Highlights
Financial Highlights Western Bank & Trust All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 156,070 118,075
Total Net Loans 106,465 63,722
Total Deposits 138,700 100,790
Total Equity 16,821 11,966
Profitability
Net Income 1,076 1,655
Return on Average Assets 1.43 1.305
Return on Average Equity 13.228 13.157
Net Interest Margin 5.513 4.347
Efficiency Ratio 64.495 68.452
Noninterest Income/Revenue 19.867 17.538
Balance Sheet Ratios
Loan-to-Deposit 76.759 60.569
Securities/Assets .106 .679
Total Equity/Total Assets .108 .101
Tangible Equity/Tangible Assets .108 -.065
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 16,794 10,918
Tier 2 Capital 1,264 749
Total Capital 18,058 11,683
Total Risk Weighted Assets 116,980 71,672
Leverage Ratio 11.13 9.717
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 14.36 16.9
Total Capital Ratio 15.44 17.979

Timeline for Western Bank & Trust

Inwood National Bank

Western Bank & Trust was acquired by Inwood National Bank 20 years

View Profile Aug 16 2003

Wb&T Delaware Bancshares, Inc.

Wb&T Delaware Bancshares, Inc. became a new parent organization for Western Bank & Trust.

View Profile Apr 26 1999

Western Bank

Acquisition: Western Bank & Trust acquired a new subsidiary, Western Bank, 33 years

View Profile Nov 16 1990

Western Bank & Trust

Western Bank & Trust was established 33 years ago and is currently headquartered in Duncanville, TX.

Nov 15 1990
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Inwood National Bank Buyer 2,361,805 Acquisition Discontinued 8/16/2003
Western Bank Seller 39,838 Failure 11/16/1990
Relationships Role Relationship Start Relationship End
Wb&T Delaware Bancshares, Inc. Parent 4/26/1999 8/15/2003
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