Classic Bank, National Association in Cameron, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Classic Bank, National Association - Overview

  • General
  • FDIC Certificate #: 3126
    Status: Active
    Federal Reserve ID: 182951
    Bank Holding Company (Regulatory Top Holder): Cameron Financial Corporation (RSSDID: 2762384, Location: Cameron, TX)
    Date Established: August 22, 1889
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Domestic: 5, Interstate: No)
    OTS Docket #: 14787
    FDIC's unique #: 2000
    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 01, 1934
    Last Structure Change Effective Date: March 10, 2012
    Last Structure Change Process Date: March 16, 2012
    Last Data Update: March 16, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 102 North Houston Street, Cameron, TX 76520
    County: Milam
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $236.0 mil
    Equity capital: $21.9 mil
    Deposits held in domestic offices: $205.3 mil
    Return on assets (ROA): 1.06% ($2.5 mil)
    Quarterly return on assets: 0.44% ($1.0 mil)
    Return on Equity (ROE): 11.27% ($2.5 mil)
    Quarterly return on equity: 4.57% ($1.0 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.06% ($2,501.4 mil)
    Quarterly Pretax return on assets: 0.44% ($1,038.3 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
  • 74Total employees (full-time equivalent)
  • $235,985Total assets
  • $4,157Cash and due from depository institutions
  • $1,626Interest-bearing balances
  • $72,641Securities
  • $160Federal funds sold & reverse repurchase agreements
  • $141,086Net loans & leases
  • $2,135Loan loss allowance
  • $0Trading account assets
  • $6,909Bank premises and fixed assets
  • $869Other real estate owned
  • $0Goodwill and other intangibles
  • $235,985Life insurance assets
  • $10,163All other assets
  • $214,066Total liabilities and capital
  • $205,341Total liabilities
  • $174,090Total deposits
  • $205,341Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,000Trading liabilities
  • $0Other borrowed funds
  • $1,725Subordinated debt
  • $21,919All other liabilities
  • $21,919Total equity capital
  • $21,919Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $3,406Surplus
  • $18,512Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $380Income earned, not collected on loans
  • $0Earning assets
  • $1,267Long-term assets (5+ years)
  • $215,513Average Assets, year-to-date
  • $122,978Average Assets, quarterly
  • $223,768Volatile liabilities
  • $227,851Insider loans
  • $147,957FHLB advances
  • $228,421Loans and leases held for sale
  • $4,186Unused loan commitments
  • $3,853Tier 1 (core) risk-based capital
  • $20,750Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $333Total unused commitments
  • $11,867Restructured Loans and leases
  • $635Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,327Total interest income
  • $1,944Total interest expense
  • $8,383Net interest income
  • $1,217Provision for loan and lease losses
  • $2,995Total noninterest income
  • $0Fiduciary activities
  • $2,053Service charges on deposit accounts
  • $0Trading account gains & fees
  • $942Additional noninterest income
  • $8,008Total noninterest expense
  • $3,834Salaries and employee benefits
  • $1,124Premises and equipment expense
  • $3,050Additional noninterest expense
  • $2,153Pre-tax net operating income
  • $220Securities gains (losses)
  • $0Applicable income taxes
  • $2,373Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,373Net income attributable to bank
  • $0Net charge-offs
  • $2,373Cash dividends
  • $679Sale, conversion, retirement of capital stock, net
  • $1,706Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.07%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 4.11%Net interest margin
  • 1.47%Noninterest income to earning assets
  • 3.93%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 11.27%Return on equity (ROE)
  • 3.17%Retained earnings to average equity (YTD only)
  • 0.49%Net charge-offs to loans
  • 179.23%Credit loss provision to net charge-offs
  • 4.96%Efficiency ratio
  • 70,381Assets per employee
  • 3.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.89%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 561.84%Noncurrent assets plus other real estate owned to assets
  • 0.53%Noncurrent loans to loans
  • 0.27%Net loans and leases to deposits
  • 68.71%Net loans and leases to core deposits
  • 68.71%Equity capital to assets
  • 9.29%Core capital (leverage) ratio
  • 9.08%Tier 1 risk-based capital ratio
  • 14.02%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $223,768Average earning assets
  • $21,051Average equity
  • $203,772Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02000Classic Bank, National Association102 North Houston Street, Cameron, TX 76520August 22, 1889Full Service Brick and Mortar
    3207766Rosebud Branch198 W Ave B, Rosebud, TX 76570Febuary 25, 1993Full Service Brick and Mortar
    416834Giddings Branch825 East Austin, Giddings, TX 78942October 28, 1982Full Service Brick and Mortar
    6418507Cameron Branch1707 West Cameron, Rockdale, TX 76567March 10, 2003Full Service Brick and Mortar
    7491961Classic Bank, National Association Branch493 Highway 71 W, Bastrop, TX 78602June 15, 2009Full Service Brick and Mortar
    8479322Texas Savings Bank Ssb Branch12251 West State Highway 29, Liberty Hill, TX 78642October 26, 2007Full Service Brick and Mortar

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