Commercial Bank of Texas, National Association in Nacogdoches, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Commercial Bank of Texas, National Association in Nacogdoches, Texas (TX)
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Commercial Bank of Texas, National Association - Overview

  • General
  • FDIC Certificate #: 1209
    Status: Active
    Federal Reserve ID: 885869
    Bank Holding Company (Regulatory Top Holder): Nacogdoches Commercial Bancshares, Inc. (RSSDID: 1107595, Location: Nacogdoches, TX)
    Date Established: October 14, 1901
    WWW: http://www.cbtx.com
    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: 16 (Domestic: 16, Interstate: No)
    OTS Docket #: 11054
    FDIC's unique #: 828
    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: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 30, 2011
    Last Structure Change Process Date: May 10, 2011
    Last Data Update: May 10, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 215 East Main Street, Nacogdoches, TX 75961
    County: Nacogdoches
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Nacogdoches, TX (#34860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $451.4 mil
    Equity capital: $44.9 mil
    Deposits held in domestic offices: $391.3 mil
    Return on assets (ROA): 1.01% ($4.6 mil)
    Quarterly return on assets: 1.41% ($6.4 mil)
    Return on Equity (ROE): 10.44% ($4.7 mil)
    Quarterly return on equity: 14.61% ($6.6 mil)
    Net income: $4.4 mil
    Quarterly Net income: $1.6 mil
    Pretax return on assets: 1.26% ($5,687.4 mil)
    Quarterly Pretax return on assets: 1.35% ($6,093.7 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
  • 151Total employees (full-time equivalent)
  • $451,384Total assets
  • $20,567Cash and due from depository institutions
  • $8,879Interest-bearing balances
  • $222,037Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $177,436Net loans & leases
  • $2,637Loan loss allowance
  • $3,716Trading account assets
  • $5,984Bank premises and fixed assets
  • $3,065Other real estate owned
  • $4,663Goodwill and other intangibles
  • $451,384Life insurance assets
  • $13,916All other assets
  • $406,515Total liabilities and capital
  • $391,284Total liabilities
  • $295,840Total deposits
  • $391,284Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,139Trading liabilities
  • $0Other borrowed funds
  • $5,092Subordinated debt
  • $44,869All other liabilities
  • $44,869Total equity capital
  • $44,869Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $18,320Surplus
  • $25,549Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $948Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,579Income earned, not collected on loans
  • $726Earning assets
  • $1,952Long-term assets (5+ years)
  • $412,068Average Assets, year-to-date
  • $105,176Average Assets, quarterly
  • $440,402Volatile liabilities
  • $460,393Insider loans
  • $214,324FHLB advances
  • $450,061Loans and leases held for sale
  • $7,968Unused loan commitments
  • $7,578Tier 1 (core) risk-based capital
  • $36,886Tier 2 risk-based capital
  • $390Total risk weighted assets
  • $0Total unused commitments
  • $22,129Restructured Loans and leases
  • $2,595Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,218Total interest income
  • $3,436Total interest expense
  • $13,782Net interest income
  • $285Provision for loan and lease losses
  • $7,593Total noninterest income
  • $378Fiduciary activities
  • $3,504Service charges on deposit accounts
  • $92Trading account gains & fees
  • $3,619Additional noninterest income
  • $15,522Total noninterest expense
  • $8,642Salaries and employee benefits
  • $2,287Premises and equipment expense
  • $4,593Additional noninterest expense
  • $5,568Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,140Applicable income taxes
  • $4,428Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,428Net income attributable to bank
  • $0Net charge-offs
  • $4,428Cash dividends
  • $397Sale, conversion, retirement of capital stock, net
  • $1,749Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.25%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 3.40%Net interest margin
  • 1.87%Noninterest income to earning assets
  • 3.83%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.26%Pretax return on assets
  • 10.44%Return on equity (ROE)
  • 6.32%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 71.79%Credit loss provision to net charge-offs
  • 14.74%Efficiency ratio
  • 72,178Assets per employee
  • 2.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.50%Loss allowance to loans
  • 1.46%Loss allowance to noncurrent loans
  • 167.00%Noncurrent assets plus other real estate owned to assets
  • 1.03%Noncurrent loans to loans
  • 0.88%Net loans and leases to deposits
  • 45.35%Net loans and leases to core deposits
  • 48.03%Equity capital to assets
  • 9.94%Core capital (leverage) ratio
  • 8.20%Tier 1 risk-based capital ratio
  • 17.21%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $440,402Average earning assets
  • $42,397Average equity
  • $405,573Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $60,175Managed Assets
  • 1Number of Accounts
  • $37,034Personal trust and agency accounts
  • $29,179Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $2,601Corporate trust and agency accounts
  • $116Investment management agency accounts
  • $3,114Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $2,024Non-managed Assets
  • 190Number of Accounts
  • $0Personal trust and agency accounts
  • $2,434Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $23,141Other retirement accounts
  • $19,672Corporate trust and agency accounts
  • $704Other fiduciary accounts
  • $569Fiduciary accounts held in foreign offices

List of branches

  • 16 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0828Commercial Bank Of Texas, National Association215 East Main Street, Nacogdoches, TX 75961October 14, 1901Full Service Brick and Mortar
    1187994Drive-In Facility805 South Street, Nacogdoches, TX 75964Febuary 07, 1979Limited Service Facility
    4187995North Street Branch4810 North Street, Nacogdoches, TX 75965August 01, 1996Full Service Retail
    5187996Mobile Branch215 East Main, Nacogdoches, TX 75961June 02, 1997Limited Service Mobile
    7272299Diboll Branch501 N Temple, Diboll, TX 75941July 01, 1934Full Service Brick and Mortar
    8272301Gaslight Branch1873 W Frank Ave, Lufkin, TX 75904July 01, 1934Full Service Brick and Mortar
    9187997Tulane Branch1901 Tulane, Lufkin, TX 75901January 30, 1998Full Service Brick and Mortar
    105758Wells BranchU.S. Highway 69, Wells, TX 75976January 01, 1913Full Service Brick and Mortar
    127112Kennard BranchMain And Broadway, Kennard, TX 75847January 01, 1913Full Service Brick and Mortar
    132166South First Street Branch600 South First Street, Lufkin, TX 75901January 01, 1933Full Service Brick and Mortar
    14430147James Starr Banking Center Branch1629 North University, Nacogdoches, TX 75961June 15, 2004Full Service Brick and Mortar
    15442554Lufkin South Branch2500 Daniel Mccall Drive, Lufkin, TX 75904September 20, 2004Full Service Retail
    18465568Stephen F Austin State University Br222 Vista Blvd, Nacogdoches, TX 75962June 07, 2007Full Service Retail
    19465569Collin County Banking Center721 Central Expressway South, Allen, TX 75013October 10, 2006Full Service Retail
    20289695Bedford Branch1716 Forest Ridge, Bedford, TX 76022August 03, 1992Full Service Brick and Mortar
    21362232Lewisville Branch191 W. Main, Lewisville, TX 75067December 16, 2000Full Service Brick and Mortar

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