Community National Bank & Trust in Chanute, Kansas (KS)

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Community National Bank & Trust
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)268
Total assets$766,287
Cash and due from depository institutions$83,642
Interest-bearing balances$64,620
Federal funds sold & reverse repurchase agreements$4,462
Net loans & leases$463,363
Loan loss allowance $6,286
Trading account assets$0
Bank premises and fixed assets$21,513
Other real estate owned$1,704
Goodwill and other intangibles$9,644
All other assets$18,740
Life insurance assets$766,287
Total liabilities and capital$702,155
Total liabilities$636,221
Total deposits$552,737
Interest-bearing deposits$636,221
Deposits held in domestic offices$81
% insured (estimated)22769.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$37,012
Other borrowed funds $0
Subordinated debt $6,153
All other liabilities $64,132
Total equity capital$64,132
Total bank equity capital$64,132
Perpetual preferred stock$0
Common stock$1,080
Undivided profits $37,273
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,781
Earning assets $0
Long-term assets (5+ years) $3,976
Average Assets, year-to-date $695,664
Average Assets, quarterly $265,813
Volatile liabilities $736,936
Insider loans $754,477
FHLB advances $511,159
Loans and leases held for sale $746,500
Unused loan commitments $7,181
Tier 1 (core) risk-based capital $6,652
Tier 2 risk-based capital $54,681
Total risk weighted assets $0
Total unused commitments $529
Restructured Loans and leases $64,589
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $32,951
Total interest expense $7,806
Net interest income $25,145
Provision for loan and lease losses $1,258
Total noninterest income $5,306
Fiduciary activities $145
Service charges on deposit accounts $2,391
Trading account gains & fees $0
Additional noninterest income $2,770
Total noninterest expense $22,186
Salaries and employee benefits $12,303
Premises and equipment expense $3,199
Additional noninterest expense $6,684
Pre-tax net operating income $7,007
Securities gains (losses) $656
Applicable income taxes $2,154
Income before extraordinary items $5,509
Extraordinary gains - net $0
Net income attributable to bank $5,509
Net charge-offs $0
Cash dividends $5,509
Sale, conversion, retirement of capital stock, net $927
Net operating income $1,100
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.93%
Cost of funding earning assets 1.17%
Net interest margin 3.77%
Noninterest income to earning assets 0.79%
Noninterest expense to earning assets 3.32%
Net operating income to assets 0.68%
Return on assets (ROA) 0.75%
Pretax return on assets 1.04%
Return on equity (ROE) 8.98%
Retained earnings to average equity (YTD only) 7.19%
Net charge-offs to loans 0.20%
Credit loss provision to net charge-offs 135.71%
Efficiency ratio8.92%
Assets per employee$72,579
Cash dividends to net income (YTD only)2.86%
Condition Ratios (%)
Loss allowance to loans 19.97%
Loss allowance to noncurrent loans 1.34%
Noncurrent assets plus other real estate owned to assets 166.25%
Noncurrent loans to loans 0.72%
Net loans and leases to deposits0.81%
Net loans and leases to core deposits 72.83%
Equity capital to assets 76.16%
Core capital (leverage) ratio 8.37%
Tier 1 risk-based capital ratio 7.32%
Total risk-based capital ratio 10.70%
Average assets$12
Average earning assets$736,936
Average equity $61,358
Average loans $667,786
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$32,030
Number of Accounts1
Personal trust and agency accounts$30,222
Employee benefit-defined contribution accounts$14,284
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$1,108
Investment management agency accounts$0
Other fiduciary accounts$11,076
Fiduciary accounts held in foreign offices$3,754
Non-managed Assets$0
Number of Accounts71
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$1,108
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,808
Corporate trust and agency accounts$1,746
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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