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


Commercial National Bank of Texarkana - Overview

  • General
  • FDIC Certificate #: 19024
    Status: Active
    Federal Reserve ID: 794149
    Bank Holding Company (Regulatory Top Holder): Commercial Bancshares, Inc. (RSSDID: 1118818, Location: Texarkana, AR)
    Date Established: Febuary 05, 1964
    WWW: http://www.cnbtxk.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: 6 (Domestic: 6, Interstate: Yes)
    OTS Docket #: 11263
    FDIC's unique #: 12864
    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: Febuary 05, 1964
    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: 5515 Summerhill Road, Texarkana, TX 75503
    County: Bowie
    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): Texarkana, TX-Texarkana, AR (#8360)
    Core Based Statistical Area (CBSA): Texarkana, TX-Texarkana, AR (#45500)
    CBSA Metro Statistical Area: Texarkana, TX-Texarkana, AR (#45500)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $193.9 mil
    Equity capital: $16.8 mil
    Deposits held in domestic offices: $176.9 mil
    Return on assets (ROA): 1.37% ($2.7 mil)
    Quarterly return on assets: 1.62% ($3.1 mil)
    Return on Equity (ROE): 15.54% ($2.6 mil)
    Quarterly return on equity: 18.33% ($3.1 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.37% ($2,656.3 mil)
    Quarterly Pretax return on assets: 1.62% ($3,141.0 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
  • 69Total employees (full-time equivalent)
  • $193,887Total assets
  • $8,107Cash and due from depository institutions
  • $1,800Interest-bearing balances
  • $69,043Securities
  • $10,800Federal funds sold & reverse repurchase agreements
  • $100,929Net loans & leases
  • $1,111Loan loss allowance
  • $0Trading account assets
  • $3,651Bank premises and fixed assets
  • $368Other real estate owned
  • $0Goodwill and other intangibles
  • $193,887Life insurance assets
  • $989All other assets
  • $177,135Total liabilities and capital
  • $176,935Total liabilities
  • $139,301Total deposits
  • $176,935Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $200Subordinated debt
  • $16,752All other liabilities
  • $16,752Total equity capital
  • $16,752Total bank equity capital
  • $0Perpetual preferred stock
  • $702Common stock
  • $702Surplus
  • $15,348Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $200Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $807Income earned, not collected on loans
  • $0Earning assets
  • $592Long-term assets (5+ years)
  • $182,572Average Assets, year-to-date
  • $62,566Average Assets, quarterly
  • $183,388Volatile liabilities
  • $192,361Insider loans
  • $107,825FHLB advances
  • $195,026Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,273Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,475Restructured Loans and leases
  • $2,253Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,156Total interest income
  • $726Total interest expense
  • $7,430Net interest income
  • $435Provision for loan and lease losses
  • $1,544Total noninterest income
  • $0Fiduciary activities
  • $1,182Service charges on deposit accounts
  • $0Trading account gains & fees
  • $362Additional noninterest income
  • $6,263Total noninterest expense
  • $3,286Salaries and employee benefits
  • $1,129Premises and equipment expense
  • $1,848Additional noninterest expense
  • $2,276Pre-tax net operating income
  • $231Securities gains (losses)
  • $0Applicable income taxes
  • $2,507Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,507Net income attributable to bank
  • $0Net charge-offs
  • $2,507Cash dividends
  • $446Sale, conversion, retirement of capital stock, net
  • $983Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.74%Yield on earning assets
  • 0.42%Cost of funding earning assets
  • 4.32%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 3.64%Noninterest expense to earning assets
  • 1.24%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 15.54%Return on equity (ROE)
  • 9.45%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 97.53%Credit loss provision to net charge-offs
  • 6.08%Efficiency ratio
  • 69,791Assets per employee
  • 2.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.21%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 137.67%Noncurrent assets plus other real estate owned to assets
  • 0.61%Noncurrent loans to loans
  • 0.79%Net loans and leases to deposits
  • 57.04%Net loans and leases to core deposits
  • 60.38%Equity capital to assets
  • 8.64%Core capital (leverage) ratio
  • 8.34%Tier 1 risk-based capital ratio
  • 15.09%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $183,388Average earning assets
  • $16,134Average equity
  • $171,964Average loans

List of branches

  • 5 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1247098State Line Branch2700 North State Line Avenue, Texarkana, AR 71854November 01, 1968Full Service Brick and Mortar
    2247099East Ninth Street Branch3204 East 9th Street, Texarkana, AR 71854March 14, 1973Full Service Brick and Mortar
    3247100Fouke BranchU.S. Highway 71 And Redcut Road, Fouke, AR 71837Febuary 19, 1974Full Service Brick and Mortar
    4247101Fourth Street Branch224 East Fourth Street, Texarkana, AR 71854August 24, 1995Full Service Brick and Mortar
    5247102Arkansas Boulevard Branch1222 Arkansas Boulevard, Texarkana, AR 71854August 15, 1997Full Service Brick and Mortar
  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012864Commercial National Bank Of Texarkan5515 Summerhill Road, Texarkana, TX 75503Febuary 05, 1964Full Service Brick and Mortar

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