Community National Bank in Hondo, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community National Bank - Overview

  • General
  • FDIC Certificate #: 23431
    Status: Active
    Federal Reserve ID: 643452
    Bank Holding Company (Regulatory Top Holder): Medina Community Bancshares, Inc. (RSSDID: 2412773, Location: Hondo, TX)
    Date Established: April 20, 1981
    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: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 16424
    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: Commercial Lending Specialization
    Date of Deposit Insurance: April 20, 1981
    Last Structure Change Effective Date: Febuary 19, 2010
    Last Structure Change Process Date: Febuary 22, 2010
    Last Data Update: Febuary 22, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1502 Avenue M, Hondo, TX 78861
    County: Medina
    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
    Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700)
    CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $167.8 mil
    Equity capital: $17.6 mil
    Deposits held in domestic offices: $148.1 mil
    Return on assets (ROA): 0.79% ($1.3 mil)
    Quarterly return on assets: 0.91% ($1.5 mil)
    Return on Equity (ROE): 8.40% ($1.5 mil)
    Quarterly return on equity: 8.97% ($1.6 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.93% ($1,560.1 mil)
    Quarterly Pretax return on assets: 1.02% ($1,711.1 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
  • 51Total employees (full-time equivalent)
  • $167,755Total assets
  • $36,415Cash and due from depository institutions
  • $31,152Interest-bearing balances
  • $25,756Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $93,499Net loans & leases
  • $1,968Loan loss allowance
  • $0Trading account assets
  • $4,559Bank premises and fixed assets
  • $1,438Other real estate owned
  • $2,443Goodwill and other intangibles
  • $167,755Life insurance assets
  • $3,645All other assets
  • $150,165Total liabilities and capital
  • $148,057Total liabilities
  • $107,881Total deposits
  • $148,057Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,783Trading liabilities
  • $0Other borrowed funds
  • $325Subordinated debt
  • $17,590All other liabilities
  • $17,590Total equity capital
  • $17,590Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $5,400Surplus
  • $11,190Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $618Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,762Income earned, not collected on loans
  • $919Earning assets
  • $1,267Long-term assets (5+ years)
  • $150,407Average Assets, year-to-date
  • $37,650Average Assets, quarterly
  • $164,879Volatile liabilities
  • $170,056Insider loans
  • $92,240FHLB advances
  • $167,284Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,451Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,479Restructured Loans and leases
  • $7,314Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,849Total interest income
  • $1,063Total interest expense
  • $6,786Net interest income
  • $717Provision for loan and lease losses
  • $1,977Total noninterest income
  • $0Fiduciary activities
  • $923Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,054Additional noninterest income
  • $6,515Total noninterest expense
  • $2,757Salaries and employee benefits
  • $724Premises and equipment expense
  • $3,034Additional noninterest expense
  • $1,531Pre-tax net operating income
  • $0Securities gains (losses)
  • $226Applicable income taxes
  • $1,305Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,305Net income attributable to bank
  • $0Net charge-offs
  • $1,305Cash dividends
  • $491Sale, conversion, retirement of capital stock, net
  • $651Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.41%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 4.68%Net interest margin
  • 1.36%Noninterest income to earning assets
  • 4.49%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 8.40%Return on equity (ROE)
  • 4.21%Retained earnings to average equity (YTD only)
  • 0.52%Net charge-offs to loans
  • 146.03%Credit loss provision to net charge-offs
  • 4.58%Efficiency ratio
  • 73,993Assets per employee
  • 3.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.89%Loss allowance to loans
  • 2.06%Loss allowance to noncurrent loans
  • 111.69%Noncurrent assets plus other real estate owned to assets
  • 1.91%Noncurrent loans to loans
  • 1.85%Net loans and leases to deposits
  • 63.15%Net loans and leases to core deposits
  • 65.53%Equity capital to assets
  • 10.49%Core capital (leverage) ratio
  • 8.64%Tier 1 risk-based capital ratio
  • 15.67%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $164,879Average earning assets
  • $15,532Average equity
  • $145,120Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016424Community National Bank1502 Avenue M, Hondo, TX 78861April 20, 1981Full Service Brick and Mortar
    1256337Castroville Branch835 Highway 90 East, Castroville, TX 78009July 20, 1987Full Service Brick and Mortar
    2493061Community National Bank Branch20102 Ih-35 S., Lytle, TX 78052July 11, 2008Full Service Brick and Mortar
    32126The La Coste National Bank Branch15996 S Front St, La Coste, TX 78039May 07, 1912Full Service Brick and Mortar

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