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

This bank is inactive as of April 01, 1993

  • Community National Bank in Friendswood, Texas (TX)
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Community National Bank - Overview

  • General
  • FDIC Certificate #: 23938
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Lockwood National Bank of Houston (#17760)
    Federal Reserve ID: 249452
    Date Established: July 01, 1982
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 16708
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: July 01, 1982
    Last Structure Change Effective Date: April 01, 1993
    Last Structure Change Process Date: July 23, 1993
    Last Data Update: July 23, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 203 South Friendswood Drive, Friendswood, TX 77546
    County: Galveston
    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): Galveston-Texas City, TX (#2920)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • Financial Summary
  • Total assets: $39.5 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $22Total assets
  • $40,471Cash and due from depository institutions
  • $3,295Interest-bearing balances
  • $0Securities
  • $4,847Federal funds sold & reverse repurchase agreements
  • $2,400Net loans & leases
  • $28,379Loan loss allowance
  • $400Trading account assets
  • $0Bank premises and fixed assets
  • $701Other real estate owned
  • $560Goodwill and other intangibles
  • $289Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $40,471Total liabilities
  • $36,819Total deposits
  • $36,402Interest-bearing deposits
  • $24,495Deposits held in domestic offices
  • 36402.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $177Subordinated debt
  • $0All other liabilities
  • $240Total equity capital
  • $240Total bank equity capital
  • $3,652Perpetual preferred stock
  • $0Common stock
  • $747Surplus
  • $753Undivided profits
  • Memoranda
  • $2,152Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $348Income earned, not collected on loans
  • $171Earning assets
  • $35,626Long-term assets (5+ years)
  • $392Average Assets, year-to-date
  • $39,824Average Assets, quarterly
  • $39,808Volatile liabilities
  • $3,755Insider loans
  • $17FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $124Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,652Total risk weighted assets
  • $29,579Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,297Total interest expense
  • $880Net interest income
  • $2,417Provision for loan and lease losses
  • $187Total noninterest income
  • $683Fiduciary activities
  • $0Service charges on deposit accounts
  • $596Trading account gains & fees
  • $0Additional noninterest income
  • $87Total noninterest expense
  • $1,919Salaries and employee benefits
  • $897Premises and equipment expense
  • $150Additional noninterest expense
  • $872Pre-tax net operating income
  • $994Securities gains (losses)
  • $35Applicable income taxes
  • $350Income before extraordinary items
  • $679Extraordinary gains - net
  • $0Net income attributable to bank
  • $679Net charge-offs
  • $206Cash dividends
  • $249Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.45%Cost of funding earning assets
  • 2.52%Net interest margin
  • 6.92%Noninterest income to earning assets
  • 1.96%Noninterest expense to earning assets
  • 5.50%Net operating income to assets
  • 1.65%Return on assets (ROA)
  • 1.71%Pretax return on assets
  • 2.58%Return on equity (ROE)
  • 19.44%Retained earnings to average equity (YTD only)
  • 12.31%Net charge-offs to loans
  • 0.73%Credit loss provision to net charge-offs
  • 90.78%Efficiency ratio
  • 61,903Assets per employee
  • 1.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.67%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 114.94%Noncurrent assets plus other real estate owned to assets
  • 2.24%Noncurrent loans to loans
  • 1.21%Net loans and leases to deposits
  • 77.96%Net loans and leases to core deposits
  • 86.46%Equity capital to assets
  • 9.02%Core capital (leverage) ratio
  • 9.07%Tier 1 risk-based capital ratio
  • 12.35%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $39,824Average earning assets
  • $3,492Average equity
  • $34,906Average loans

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