Central National Bank in Waco, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Central National Bank - Overview

  • General
  • FDIC Certificate #: 22396
    Status: Active
    Federal Reserve ID: 428060
    Bank Holding Company (Regulatory Top Holder): Centrabanc Corporation (RSSDID: 1106132, Location: Waco, TX)
    Date Established: January 10, 1977
    WWW: http://www.cnbwaco.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: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 11820
    FDIC's unique #: 15597
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 10, 1977
    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: 8320 West Highway 84, Waco, TX 76710
    County: Mclennan
    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): Waco, TX (#8800)
    Core Based Statistical Area (CBSA): Waco, TX (#47380)
    CBSA Metro Statistical Area: Waco, TX (#47380)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $605.8 mil
    Equity capital: $53.4 mil
    Deposits held in domestic offices: $522.8 mil
    Return on assets (ROA): 1.56% ($9.5 mil)
    Quarterly return on assets: 1.60% ($9.7 mil)
    Return on Equity (ROE): 18.05% ($9.6 mil)
    Quarterly return on equity: 17.89% ($9.5 mil)
    Net income: $9.3 mil
    Quarterly Net income: $2.4 mil
    Pretax return on assets: 1.56% ($9,450.3 mil)
    Quarterly Pretax return on assets: 1.60% ($9,692.7 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
  • 93Total employees (full-time equivalent)
  • $605,791Total assets
  • $85,101Cash and due from depository institutions
  • $75,182Interest-bearing balances
  • $89,600Securities
  • $902Federal funds sold & reverse repurchase agreements
  • $419,499Net loans & leases
  • $5,300Loan loss allowance
  • $0Trading account assets
  • $4,732Bank premises and fixed assets
  • $707Other real estate owned
  • $0Goodwill and other intangibles
  • $605,791Life insurance assets
  • $5,250All other assets
  • $552,428Total liabilities and capital
  • $522,772Total liabilities
  • $430,576Total deposits
  • $522,772Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 18246.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,434Trading liabilities
  • $0Other borrowed funds
  • $1,976Subordinated debt
  • $53,363All other liabilities
  • $53,363Total equity capital
  • $53,363Total bank equity capital
  • $0Perpetual preferred stock
  • $520Common stock
  • $9,439Surplus
  • $43,404Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,919Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,763Income earned, not collected on loans
  • $0Earning assets
  • $1,785Long-term assets (5+ years)
  • $585,183Average Assets, year-to-date
  • $100,689Average Assets, quarterly
  • $595,368Volatile liabilities
  • $594,836Insider loans
  • $388,650FHLB advances
  • $587,959Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $51,287Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $74,786Restructured Loans and leases
  • $18,350Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,566Total interest income
  • $4,108Total interest expense
  • $20,458Net interest income
  • $902Provision for loan and lease losses
  • $1,773Total noninterest income
  • $0Fiduciary activities
  • $1,183Service charges on deposit accounts
  • $0Trading account gains & fees
  • $590Additional noninterest income
  • $12,056Total noninterest expense
  • $6,863Salaries and employee benefits
  • $1,637Premises and equipment expense
  • $3,556Additional noninterest expense
  • $9,273Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $9,273Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,273Net income attributable to bank
  • $0Net charge-offs
  • $9,273Cash dividends
  • $917Sale, conversion, retirement of capital stock, net
  • $5,702Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.28%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 3.56%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 2.10%Noninterest expense to earning assets
  • 1.56%Net operating income to assets
  • 1.56%Return on assets (ROA)
  • 1.56%Pretax return on assets
  • 18.05%Return on equity (ROE)
  • 6.95%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 98.36%Credit loss provision to net charge-offs
  • 11.10%Efficiency ratio
  • 54,231Assets per employee
  • 6.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.49%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 191.82%Noncurrent assets plus other real estate owned to assets
  • 0.57%Noncurrent loans to loans
  • 0.65%Net loans and leases to deposits
  • 80.25%Net loans and leases to core deposits
  • 94.07%Equity capital to assets
  • 8.81%Core capital (leverage) ratio
  • 8.72%Tier 1 risk-based capital ratio
  • 13.20%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $595,368Average earning assets
  • $51,364Average equity
  • $574,020Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015597Central National Bank8320 West Highway 84, Waco, TX 76710January 10, 1977Full Service Brick and Mortar
    1254506Central Tower Branch5400 Bosque Boulevard, Waco, TX 76710March 15, 1993Full Service Brick and Mortar
    2254507Temple Branch938 Canyon Creek, Temple, TX 76502September 02, 1998Full Service Brick and Mortar
    3362519Georgetown Branch1103-A Williams Drive, Georgetown, TX 78628October 22, 2001Full Service Brick and Mortar

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