City National Bank in Kilgore, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 16, 2008

  • City National Bank in Kilgore, Texas (TX)
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City National Bank - Overview

  • General
  • FDIC Certificate #: 23261
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Austin Bank, Texas National Association (#3276)
    Federal Reserve ID: 931654
    Date Established: November 03, 1980
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    OTS Docket #: 11789
    FDIC's unique #: 16299
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: November 03, 1980
    Last Structure Change Effective Date: Febuary 16, 2008
    Last Structure Change Process Date: Febuary 28, 2008
    Last Data Update: Febuary 28, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 1006 Stone Road, Kilgore, TX 75662
    County: Gregg
    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): Longview-Marshall, TX (#4420)
    Combined Statistical Area (CSA): Longview-Marshall, TX (#346)
    Core Based Statistical Area (CBSA): Longview, TX (#30980)
    CBSA Metro Statistical Area: Longview, TX (#30980)
  • Financial Summary
  • Total assets: $191.1 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, 2007)

  • Dollar figures in thousands
  • 58Total employees (full-time equivalent)
  • $191,098Total assets
  • $23,388Cash and due from depository institutions
  • $17,706Interest-bearing balances
  • $49,313Securities
  • $9,980Federal funds sold & reverse repurchase agreements
  • $91,933Net loans & leases
  • $854Loan loss allowance
  • $0Trading account assets
  • $9,238Bank premises and fixed assets
  • $0Other real estate owned
  • $4,901Goodwill and other intangibles
  • $0Life insurance assets
  • $2,345All other assets
  • $191,098Total liabilities and capital
  • $173,494Total liabilities
  • $170,922Total deposits
  • $157,668Interest-bearing deposits
  • $170,922Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $546Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $520Other borrowed funds
  • $0Subordinated debt
  • $1,506All other liabilities
  • $17,604Total equity capital
  • $17,604Total bank equity capital
  • $17,604Perpetual preferred stock
  • $0Common stock
  • $305Surplus
  • $16,381Undivided profits
  • Memoranda
  • $918Noncurrent loans and leases
  • $37,803Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $488Earning assets
  • $0Long-term assets (5+ years)
  • $863Average Assets, year-to-date
  • $168,932Average Assets, quarterly
  • $9,251Volatile liabilities
  • $171,765Insider loans
  • $181,995FHLB advances
  • $18,320Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $37,803Total unused commitments
  • $0Restructured Loans and leases
  • $854Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $9,440Total interest income
  • $4,196Total interest expense
  • $5,244Net interest income
  • -$83Provision for loan and lease losses
  • $3,263Total noninterest income
  • $0Fiduciary activities
  • $2,883Service charges on deposit accounts
  • $0Trading account gains & fees
  • $380Additional noninterest income
  • $5,860Total noninterest expense
  • $2,734Salaries and employee benefits
  • $856Premises and equipment expense
  • $2,270Additional noninterest expense
  • $2,730Pre-tax net operating income
  • $0Securities gains (losses)
  • $892Applicable income taxes
  • $1,838Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,838Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $442Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.32%Yield on earning assets
  • 2.81%Cost of funding earning assets
  • 3.51%Net interest margin
  • 2.18%Noninterest income to earning assets
  • 3.92%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.59%Pretax return on assets
  • 11.42%Return on equity (ROE)
  • 11.42%Retained earnings to average equity (YTD only)
  • 0.48%Net charge-offs to loans
  • -18.78%Credit loss provision to net charge-offs
  • 5.99%Efficiency ratio
  • 68,884Assets per employee
  • 3.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.92%Loss allowance to noncurrent loans
  • 175.00%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.53%Net loans and leases to deposits
  • 53.79%Net loans and leases to core deposits
  • 59.83%Equity capital to assets
  • 9.21%Core capital (leverage) ratio
  • 7.39%Tier 1 risk-based capital ratio
  • 11.69%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $171,765Average earning assets
  • $16,101Average equity
  • $149,343Average loans

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