Community Bank & Trust, Waco, Texas in Waco, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank & Trust, Waco, Texas - Overview

  • General
  • FDIC Certificate #: 17108
    Status: Active
    Federal Reserve ID: 549862
    Bank Holding Company (Regulatory Top Holder): Community Company, The (RSSDID: 1102200, Location: Waco, TX)
    Date Established: May 14, 1952
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 11153
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 14, 1952
    Last Structure Change Effective Date: March 06, 2007
    Last Structure Change Process Date: March 21, 2007
    Last Data Update: March 21, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 1800 Washington Avenue, Waco, TX 76701
    County: Mclennan
    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): Waco, TX (#8800)
    Core Based Statistical Area (CBSA): Waco, TX (#47380)
    CBSA Metro Statistical Area: Waco, TX (#47380)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $407.8 mil
    Equity capital: $44.8 mil
    Deposits held in domestic offices: $362.6 mil
    Return on assets (ROA): 1.09% ($4.4 mil)
    Quarterly return on assets: 0.97% ($4.0 mil)
    Return on Equity (ROE): 10.26% ($4.6 mil)
    Quarterly return on equity: 8.87% ($4.0 mil)
    Net income: $4.4 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.49% ($6,075.6 mil)
    Quarterly Pretax return on assets: 1.30% ($5,300.8 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
  • 103Total employees (full-time equivalent)
  • $407,757Total assets
  • $8,123Cash and due from depository institutions
  • $613Interest-bearing balances
  • $95,171Securities
  • $8,560Federal funds sold & reverse repurchase agreements
  • $287,438Net loans & leases
  • $4,599Loan loss allowance
  • $0Trading account assets
  • $4,174Bank premises and fixed assets
  • $373Other real estate owned
  • $0Goodwill and other intangibles
  • $407,757Life insurance assets
  • $3,918All other assets
  • $362,921Total liabilities and capital
  • $362,618Total liabilities
  • $294,642Total deposits
  • $362,618Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $303Subordinated debt
  • $44,836All other liabilities
  • $44,836Total equity capital
  • $44,836Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $29,000Surplus
  • $14,836Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,207Income earned, not collected on loans
  • $0Earning assets
  • $1,804Long-term assets (5+ years)
  • $391,782Average Assets, year-to-date
  • $104,285Average Assets, quarterly
  • $401,247Volatile liabilities
  • $406,466Insider loans
  • $285,778FHLB advances
  • $405,841Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $43,633Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $41,099Restructured Loans and leases
  • $6,809Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,719Total interest income
  • $4,340Total interest expense
  • $16,379Net interest income
  • $2,400Provision for loan and lease losses
  • $4,058Total noninterest income
  • $2,429Fiduciary activities
  • $1,219Service charges on deposit accounts
  • $0Trading account gains & fees
  • $410Additional noninterest income
  • $12,069Total noninterest expense
  • $7,289Salaries and employee benefits
  • $1,228Premises and equipment expense
  • $3,552Additional noninterest expense
  • $5,968Pre-tax net operating income
  • $3Securities gains (losses)
  • $1,597Applicable income taxes
  • $4,374Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,374Net income attributable to bank
  • $0Net charge-offs
  • $4,374Cash dividends
  • $1,839Sale, conversion, retirement of capital stock, net
  • $234Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.37%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 4.25%Net interest margin
  • 1.05%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 1.09%Net operating income to assets
  • 1.09%Return on assets (ROA)
  • 1.49%Pretax return on assets
  • 10.26%Return on equity (ROE)
  • 9.71%Retained earnings to average equity (YTD only)
  • 0.62%Net charge-offs to loans
  • 130.51%Credit loss provision to net charge-offs
  • 4.55%Efficiency ratio
  • 59,055Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 5.35%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 381.03%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.41%Net loans and leases to deposits
  • 79.27%Net loans and leases to core deposits
  • 87.58%Equity capital to assets
  • 11.00%Core capital (leverage) ratio
  • 10.75%Tier 1 risk-based capital ratio
  • 15.27%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $401,247Average earning assets
  • $42,641Average equity
  • $385,668Average 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
  • $370,853Managed Assets
  • 1Number of Accounts
  • $319,846Personal trust and agency accounts
  • $244,198Employee benefit-defined contribution accounts
  • $11,268Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $21,982Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $42,398Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 935Number of Accounts
  • $0Personal trust and agency accounts
  • $21,776Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $51,007Other retirement accounts
  • $30,158Corporate trust and agency accounts
  • $5,838Other fiduciary accounts
  • $14,602Fiduciary accounts held in foreign offices

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011153Community Bank & Trust, Waco, Texas1800 Washington Avenue, Waco, TX 76701May 14, 1952Full Service Brick and Mortar
    2240560Waco Branch1409 Wooded Acres, Waco, TX 76710August 21, 1989Full Service Brick and Mortar
    3240561Chapel Road Branch8820 Chapel Road, Waco, TX 76712July 10, 1995Full Service Brick and Mortar

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