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


Community National Bank - Overview

  • General
  • FDIC Certificate #: 57345
    Status: Active
    Federal Reserve ID: 3121045
    Date Established: June 17, 2002
    WWW: http://www.commnatlbank.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: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 362218
    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: June 17, 2002
    Last Structure Change Effective Date: March 03, 2007
    Last Structure Change Process Date: March 04, 2008
    Last Data Update: March 04, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 5123 Bellaire Boulevard, Bellaire, TX 77401
    County: Harris
    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): Houston, TX (#3360)
    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: $180.4 mil
    Equity capital: $17.1 mil
    Deposits held in domestic offices: $160.7 mil
    Return on assets (ROA): 0.37% ($0.7 mil)
    Quarterly return on assets: 0.01% ($0.0 mil)
    Return on Equity (ROE): 4.13% ($0.7 mil)
    Quarterly return on equity: 0.14% ($0.0 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.54% ($973.9 mil)
    Quarterly Pretax return on assets: 0.25% ($450.9 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
  • 31Total employees (full-time equivalent)
  • $180,359Total assets
  • $8,567Cash and due from depository institutions
  • $2,602Interest-bearing balances
  • $97,912Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $68,656Net loans & leases
  • $1,295Loan loss allowance
  • $0Trading account assets
  • $2,144Bank premises and fixed assets
  • $727Other real estate owned
  • $0Goodwill and other intangibles
  • $180,359Life insurance assets
  • $2,353All other assets
  • $163,218Total liabilities and capital
  • $160,743Total liabilities
  • $124,423Total deposits
  • $160,743Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,245Trading liabilities
  • $0Other borrowed funds
  • $230Subordinated debt
  • $17,141All other liabilities
  • $17,141Total equity capital
  • $17,141Total bank equity capital
  • $0Perpetual preferred stock
  • $7,148Common stock
  • $9,875Surplus
  • $118Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,533Income earned, not collected on loans
  • $0Earning assets
  • $513Long-term assets (5+ years)
  • $169,170Average Assets, year-to-date
  • $71,077Average Assets, quarterly
  • $186,087Volatile liabilities
  • $178,300Insider loans
  • $88,194FHLB advances
  • $181,506Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,242Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,041Restructured Loans and leases
  • $1,544Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,344Total interest income
  • $1,140Total interest expense
  • $6,204Net interest income
  • $500Provision for loan and lease losses
  • $913Total noninterest income
  • $0Fiduciary activities
  • $576Service charges on deposit accounts
  • $0Trading account gains & fees
  • $337Additional noninterest income
  • $5,643Total noninterest expense
  • $2,462Salaries and employee benefits
  • $1,043Premises and equipment expense
  • $2,138Additional noninterest expense
  • $974Pre-tax net operating income
  • $36Securities gains (losses)
  • $320Applicable income taxes
  • $690Income before extraordinary items
  • $0Extraordinary gains - net
  • $690Net income attributable to bank
  • $0Net charge-offs
  • $690Cash dividends
  • $682Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.25%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 3.59%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 3.27%Noninterest expense to earning assets
  • 0.36%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.54%Pretax return on assets
  • 4.13%Return on equity (ROE)
  • 4.13%Retained earnings to average equity (YTD only)
  • 0.82%Net charge-offs to loans
  • 73.31%Credit loss provision to net charge-offs
  • 2.16%Efficiency ratio
  • 79,289Assets per employee
  • 5.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 51.13%Noncurrent assets plus other real estate owned to assets
  • 1.81%Noncurrent loans to loans
  • 3.62%Net loans and leases to deposits
  • 42.71%Net loans and leases to core deposits
  • 44.96%Equity capital to assets
  • 9.50%Core capital (leverage) ratio
  • 8.95%Tier 1 risk-based capital ratio
  • 18.42%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $186,087Average earning assets
  • $16,697Average equity
  • $172,771Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0362218Community National Bank5123 Bellaire Boulevard, Bellaire, TX 77401June 17, 2002Full Service Brick and Mortar
    1480420Bellaire Motor Bank Branch5235 Bellaire Blvd, Bellaire, TX 77401June 30, 2008Limited Service Facility

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