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

This bank is inactive as of April 17, 1997

  • City National Bank in Whitehouse, Texas (TX)
  • Show street view No street view available for this location

City National Bank - Overview

  • General
  • FDIC Certificate #: 26286
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Tyler Bank and Trust, National Association (#33780)
    Federal Reserve ID: 619064
    Date Established: June 24, 1985
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    FDIC's unique #: 32679
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: June 24, 1985
    Last Structure Change Effective Date: April 17, 1997
    Last Structure Change Process Date: April 24, 1997
    Last Data Update: April 24, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 1125 Highway 110 North, Whitehouse, TX 75791
    County: Smith
    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): Tyler, TX (#8640)
    Combined Statistical Area (CSA): Tyler-Jacksonville, TX (#540)
    Core Based Statistical Area (CBSA): Tyler, TX (#46340)
    CBSA Metro Statistical Area: Tyler, TX (#46340)
  • Financial Summary
  • Total assets: $38.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $21Total assets
  • $39,370Cash and due from depository institutions
  • $3,648Interest-bearing balances
  • $387Securities
  • $2,030Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $30,389Loan loss allowance
  • $292Trading account assets
  • $0Bank premises and fixed assets
  • $2,310Other real estate owned
  • $466Goodwill and other intangibles
  • $527Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $39,370Total liabilities
  • $37,639Total deposits
  • $36,699Interest-bearing deposits
  • $27,974Deposits held in domestic offices
  • 36699.00%% insured (estimated)
  • $89Federal funds purchased & repurchase agreements
  • $695Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $245Total equity capital
  • $245Total bank equity capital
  • $1,731Perpetual preferred stock
  • $0Common stock
  • $863Surplus
  • $862Undivided profits
  • Memoranda
  • $6Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,571Income earned, not collected on loans
  • $265Earning assets
  • $32,806Long-term assets (5+ years)
  • $704Average Assets, year-to-date
  • $40,087Average Assets, quarterly
  • $40,496Volatile liabilities
  • $8,348Insider loans
  • $1,331FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,945Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,739Total risk weighted assets
  • $30,960Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,184Total interest expense
  • $1,294Net interest income
  • $1,890Provision for loan and lease losses
  • $1,282Total noninterest income
  • $793Fiduciary activities
  • $0Service charges on deposit accounts
  • $601Trading account gains & fees
  • $0Additional noninterest income
  • $192Total noninterest expense
  • $2,161Salaries and employee benefits
  • $803Premises and equipment expense
  • $512Additional noninterest expense
  • $846Pre-tax net operating income
  • -$760Securities gains (losses)
  • $0Applicable income taxes
  • $0Income before extraordinary items
  • -$760Extraordinary gains - net
  • $0Net income attributable to bank
  • -$760Net charge-offs
  • $1,282Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.41%Cost of funding earning assets
  • 3.82%Net interest margin
  • 5.58%Noninterest income to earning assets
  • 2.34%Noninterest expense to earning assets
  • 6.38%Net operating income to assets
  • -1.90%Return on assets (ROA)
  • -1.90%Pretax return on assets
  • -1.90%Return on equity (ROE)
  • -31.03%Retained earnings to average equity (YTD only)
  • -31.03%Net charge-offs to loans
  • 4.19%Credit loss provision to net charge-offs
  • 100.00%Efficiency ratio
  • 80,544Assets per employee
  • 1.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 18.59%Noncurrent assets plus other real estate owned to assets
  • 5.17%Noncurrent loans to loans
  • 5.12%Net loans and leases to deposits
  • 82.81%Net loans and leases to core deposits
  • 104.62%Equity capital to assets
  • 4.40%Core capital (leverage) ratio
  • 4.15%Tier 1 risk-based capital ratio
  • 5.62%Total risk-based capital ratio
  • Memoranda
  • $7Average assets
  • $40,087Average earning assets
  • $2,449Average equity
  • $33,848Average loans

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