Community National Bank & Trust in Chanute, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community National Bank & Trust - Overview

  • General
  • FDIC Certificate #: 27046
    Status: Active
    Federal Reserve ID: 923752
    Bank Holding Company (Regulatory Top Holder): Community Bancorp, Inc. (RSSDID: 1247398, Location: Chanute, KS)
    Date Established: September 04, 1987
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 25 (Domestic: 25, Interstate: No)
    OTS Docket #: 11836
    FDIC's unique #: 38558
    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: September 04, 1987
    Last Structure Change Effective Date: December 17, 2010
    Last Structure Change Process Date: January 06, 2011
    Last Data Update: January 06, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 14 North Lincoln Avenue, Chanute, KS 66720
    County: Neosho
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Springfield Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $766.3 mil
    Equity capital: $64.1 mil
    Deposits held in domestic offices: $636.2 mil
    Return on assets (ROA): 0.75% ($5.7 mil)
    Quarterly return on assets: 0.66% ($5.1 mil)
    Return on Equity (ROE): 8.98% ($5.7 mil)
    Quarterly return on equity: 7.83% ($5.0 mil)
    Net income: $5.5 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 1.04% ($7,969.4 mil)
    Quarterly Pretax return on assets: 0.85% ($6,513.4 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
  • 268Total employees (full-time equivalent)
  • $766,287Total assets
  • $83,642Cash and due from depository institutions
  • $64,620Interest-bearing balances
  • $163,219Securities
  • $4,462Federal funds sold & reverse repurchase agreements
  • $463,363Net loans & leases
  • $6,286Loan loss allowance
  • $0Trading account assets
  • $21,513Bank premises and fixed assets
  • $1,704Other real estate owned
  • $9,644Goodwill and other intangibles
  • $766,287Life insurance assets
  • $18,740All other assets
  • $702,155Total liabilities and capital
  • $636,221Total liabilities
  • $552,737Total deposits
  • $636,221Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 22769.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $37,012Trading liabilities
  • $0Other borrowed funds
  • $6,153Subordinated debt
  • $64,132All other liabilities
  • $64,132Total equity capital
  • $64,132Total bank equity capital
  • $0Perpetual preferred stock
  • $1,080Common stock
  • $25,779Surplus
  • $37,273Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,781Income earned, not collected on loans
  • $0Earning assets
  • $3,976Long-term assets (5+ years)
  • $695,664Average Assets, year-to-date
  • $265,813Average Assets, quarterly
  • $736,936Volatile liabilities
  • $754,477Insider loans
  • $511,159FHLB advances
  • $746,500Loans and leases held for sale
  • $7,181Unused loan commitments
  • $6,652Tier 1 (core) risk-based capital
  • $54,681Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $529Total unused commitments
  • $64,589Restructured Loans and leases
  • $5,367Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $32,951Total interest income
  • $7,806Total interest expense
  • $25,145Net interest income
  • $1,258Provision for loan and lease losses
  • $5,306Total noninterest income
  • $145Fiduciary activities
  • $2,391Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,770Additional noninterest income
  • $22,186Total noninterest expense
  • $12,303Salaries and employee benefits
  • $3,199Premises and equipment expense
  • $6,684Additional noninterest expense
  • $7,007Pre-tax net operating income
  • $656Securities gains (losses)
  • $2,154Applicable income taxes
  • $5,509Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,509Net income attributable to bank
  • $0Net charge-offs
  • $5,509Cash dividends
  • $927Sale, conversion, retirement of capital stock, net
  • $1,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 3.32%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 8.98%Return on equity (ROE)
  • 7.19%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 135.71%Credit loss provision to net charge-offs
  • 8.92%Efficiency ratio
  • 72,579Assets per employee
  • 2.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.97%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 166.25%Noncurrent assets plus other real estate owned to assets
  • 0.72%Noncurrent loans to loans
  • 0.81%Net loans and leases to deposits
  • 72.83%Net loans and leases to core deposits
  • 76.16%Equity capital to assets
  • 8.37%Core capital (leverage) ratio
  • 7.32%Tier 1 risk-based capital ratio
  • 10.70%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $736,936Average earning assets
  • $61,358Average equity
  • $667,786Average 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
  • $32,030Managed Assets
  • 1Number of Accounts
  • $30,222Personal trust and agency accounts
  • $14,284Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $1,108Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $11,076Other fiduciary accounts
  • $3,754Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 71Number of Accounts
  • $0Personal trust and agency accounts
  • $1,108Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,808Other retirement accounts
  • $1,746Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 25 Kansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    038558Community National Bank & Trust14 North Lincoln Avenue, Chanute, KS 66720September 04, 1987Full Service Brick and Mortar
    2260697Santa Fe Branch1501 South Santa Fe, Chanute, KS 66720September 04, 1987Limited Service Facility
    3260698Chanute Branch115 East First, Chanute, KS 66720November 14, 1994Limited Service Facility
    4260699Humboldt BranchEighth And Osage Streets, Humboldt, KS 66748December 19, 1994Full Service Brick and Mortar
    5260700Girard Branch606 East St. John, Girard, KS 66743April 01, 1996Full Service Brick and Mortar
    6260701El Dorado Branch301 North Main Street, El Dorado, KS 67042April 10, 1998Full Service Brick and Mortar
    7260702Frontenac Branch4097 Parkview Drive, Frontenac, KS 66763March 21, 1998Full Service Brick and Mortar
    832667Edna Branch100 Delaware, Edna, KS 67342June 13, 1985Full Service Brick and Mortar
    9258692Cherryvale Branch333 West Main, Cherryvale, KS 67335Febuary 25, 1991Full Service Brick and Mortar
    10258693Neodesha Branch102 North 4th, Neodesha, KS 66757January 05, 1995Full Service Brick and Mortar
    11359607Pittsburg Branch401 East Centennial, Pittsburg, KS 66762January 16, 2001Full Service Brick and Mortar
    12359608Parsons Branch330 North 16th St, Parsons, KS 67357January 08, 2001Full Service Brick and Mortar
    13264441Fredonia Branch733 Madison, Fredonia, KS 66736January 01, 1924Full Service Brick and Mortar
    14360494Burns Branch207 North Washington, Burns, KS 66840June 04, 2001Full Service Brick and Mortar
    1642728Iola Branch120 East Madison, Iola, KS 66749January 01, 1924Full Service Brick and Mortar
    17362396El Dorado Branch2815 West Central, El Dorado, KS 67042October 22, 2001Limited Service Facility
    1840816Eureka Branch401 North Main, Eureka, KS 67045January 01, 1924Full Service Brick and Mortar
    19365999Caney Branch501 West 4th, Caney, KS 67333October 28, 2002Full Service Brick and Mortar
    20419742Coffeyville Branch901 W 11th, Coffeyville, KS 67337December 15, 2002Full Service Brick and Mortar
    21457652Benton Branch14500 Sw 20th Street, Benton, KS 67017November 20, 2006Full Service Brick and Mortar
    22462134Winfield Branch1112 Main Street, Winfield, KS 67156March 16, 2007Full Service Brick and Mortar
    23223082Independence Branch125 N. Penn, Independence, KS 67301June 18, 1999Full Service Brick and Mortar
    24495016Independence Drive Thru Branch124 North Penn, Independence, KS 67301June 30, 2009Limited Service Facility
    2510806The First State Bank Branch401 East South Street, Arma, KS 66712Febuary 28, 1948Full Service Brick and Mortar
    26518759Arkansas City Branch1801 North Summit, Suite D, Arkansas City, KS 67005May 02, 2011Full Service Brick and Mortar

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