Community Bank & Trust, S.S.B. in Beaumont, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 13, 2004

  • Community Bank & Trust, S.S.B. in Beaumont, Texas (TX)
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Community Bank & Trust, S.S.B. - Overview

  • General
  • FDIC Certificate #: 15325
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Texas State Bank (#23346)
    Federal Reserve ID: 934253
    Date Established: Febuary 13, 1935
    WWW: http://www.communitybankssb.net
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 31 (Interstate: No)
    OTS Docket #: 10645
    FDIC's unique #: 9661
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 16, 1935
    Last Structure Change Effective Date: March 13, 2004
    Last Structure Change Process Date: April 12, 2004
    Last Data Update: April 12, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 700 Calder Avenue, Beaumont, TX 77701
    County: Jefferson
    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
    Metropolitan Statistical Area (MSA): Beaumont-Port Arthur, TX (#840)
    Core Based Statistical Area (CBSA): Beaumont-Port Arthur, TX (#13140)
    CBSA Metro Statistical Area: Beaumont-Port Arthur, TX (#13140)
  • Financial Summary
  • Total assets: $1,151.5 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, 2003)

  • Dollar figures in thousands
  • 440Total employees (full-time equivalent)
  • $1,151,543Total assets
  • $120,687Cash and due from depository institutions
  • $31,517Interest-bearing balances
  • $175,904Securities
  • $94,790Federal funds sold & reverse repurchase agreements
  • $681,862Net loans & leases
  • $9,563Loan loss allowance
  • $0Trading account assets
  • $15,829Bank premises and fixed assets
  • $4,382Other real estate owned
  • $28,904Goodwill and other intangibles
  • $0Life insurance assets
  • $29,185All other assets
  • $1,151,543Total liabilities and capital
  • $1,047,461Total liabilities
  • $1,041,157Total deposits
  • $990,349Interest-bearing deposits
  • $1,041,157Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,215Other borrowed funds
  • $0Subordinated debt
  • $5,089All other liabilities
  • $104,082Total equity capital
  • $104,082Total bank equity capital
  • $104,082Perpetual preferred stock
  • $0Common stock
  • $1,040Surplus
  • $95,073Undivided profits
  • Memoranda
  • $7,969Noncurrent loans and leases
  • $153,390Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,291Earning assets
  • $15Long-term assets (5+ years)
  • $3,908Average Assets, year-to-date
  • $984,073Average Assets, quarterly
  • $193,262Volatile liabilities
  • $1,043,136Insider loans
  • $1,127,617FHLB advances
  • $97,589Loans and leases held for sale
  • $79,671Unused loan commitments
  • $1,215Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $153,390Total unused commitments
  • $0Restructured Loans and leases
  • $9,563Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $50,003Total interest income
  • $10,034Total interest expense
  • $39,969Net interest income
  • $3,547Provision for loan and lease losses
  • $19,787Total noninterest income
  • $1,459Fiduciary activities
  • $15,067Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,261Additional noninterest income
  • $37,512Total noninterest expense
  • $19,846Salaries and employee benefits
  • $6,667Premises and equipment expense
  • $10,999Additional noninterest expense
  • $18,697Pre-tax net operating income
  • $340Securities gains (losses)
  • $5,844Applicable income taxes
  • $13,193Income before extraordinary items
  • $0Extraordinary gains - net
  • $13,193Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $3,054Sale, conversion, retirement of capital stock, net
  • $25,500Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.56%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 4.45%Net interest margin
  • 2.20%Noninterest income to earning assets
  • 4.17%Noninterest expense to earning assets
  • 1.24%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.82%Pretax return on assets
  • 12.23%Return on equity (ROE)
  • -11.41%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 116.14%Credit loss provision to net charge-offs
  • 7.28%Efficiency ratio
  • 61,806Assets per employee
  • 2.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 193.28%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 417.42%Noncurrent assets plus other real estate owned to assets
  • 0.58%Noncurrent loans to loans
  • 0.33%Net loans and leases to deposits
  • 65.49%Net loans and leases to core deposits
  • 72.26%Equity capital to assets
  • 9.04%Core capital (leverage) ratio
  • 6.67%Tier 1 risk-based capital ratio
  • 9.13%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $1,043,136Average earning assets
  • $107,845Average equity
  • $899,117Average loans

Total Fiduciary and Related Assets (December 31, 2003)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $421,761Managed Assets
  • 1Number of Accounts
  • $385,208Personal trust and agency accounts
  • $72,257Employee benefit-defined contribution accounts
  • $54,700Employee benefit-defined benefit accounts
  • $502Other retirement accounts
  • $49,761Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $207,986Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $2Non-managed Assets
  • 1074Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $36,553Other retirement accounts
  • $49Corporate trust and agency accounts
  • $36,269Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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