Community National Bank & Trust of Texas in Corsicana, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Community National Bank & Trust of Texas in Corsicana, Texas (TX)
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Community National Bank & Trust of Texas - Overview

  • General
  • FDIC Certificate #: 18185
    Status: Active
    Federal Reserve ID: 738769
    Bank Holding Company (Regulatory Top Holder): Community Bank Holdings Of Texas, Inc. (RSSDID: 1104017, Location: Corsicana, TX)
    Date Established: January 01, 1934
    WWW: http://www.mycommunitybanktexas.com
    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: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 10303
    FDIC's unique #: 12105
    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 29, 1960
    Last Structure Change Effective Date: August 27, 2010
    Last Structure Change Process Date: September 08, 2010
    Last Data Update: September 08, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 321 North 15th Street, Corsicana, TX 75110
    County: Navarro
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Corsicana, TX (#18620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $376.7 mil
    Equity capital: $53.2 mil
    Deposits held in domestic offices: $318.2 mil
    Return on assets (ROA): 1.63% ($6.1 mil)
    Quarterly return on assets: 1.68% ($6.3 mil)
    Return on Equity (ROE): 11.83% ($6.3 mil)
    Quarterly return on equity: 11.70% ($6.2 mil)
    Net income: $5.9 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 2.21% ($8,325.1 mil)
    Quarterly Pretax return on assets: 2.27% ($8,551.2 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
  • 113Total employees (full-time equivalent)
  • $376,703Total assets
  • $47,687Cash and due from depository institutions
  • $39,568Interest-bearing balances
  • $93,319Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $211,157Net loans & leases
  • $3,759Loan loss allowance
  • $0Trading account assets
  • $6,466Bank premises and fixed assets
  • $252Other real estate owned
  • $1,127Goodwill and other intangibles
  • $376,704Life insurance assets
  • $16,695All other assets
  • $323,524Total liabilities and capital
  • $318,206Total liabilities
  • $213,756Total deposits
  • $318,206Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $561Trading liabilities
  • $0Other borrowed funds
  • $4,757Subordinated debt
  • $53,180All other liabilities
  • $53,180Total equity capital
  • $53,180Total bank equity capital
  • $0Perpetual preferred stock
  • $846Common stock
  • $6,027Surplus
  • $46,307Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $178Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $513Income earned, not collected on loans
  • $0Earning assets
  • $1,888Long-term assets (5+ years)
  • $344,044Average Assets, year-to-date
  • $104,986Average Assets, quarterly
  • $361,296Volatile liabilities
  • $366,079Insider loans
  • $242,273FHLB advances
  • $358,793Loans and leases held for sale
  • $11,909Unused loan commitments
  • $11,909Tier 1 (core) risk-based capital
  • $48,852Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $37,343Restructured Loans and leases
  • $861Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,282Total interest income
  • $1,389Total interest expense
  • $15,893Net interest income
  • $595Provision for loan and lease losses
  • $4,076Total noninterest income
  • $959Fiduciary activities
  • $1,248Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,869Additional noninterest income
  • $11,397Total noninterest expense
  • $6,703Salaries and employee benefits
  • $1,584Premises and equipment expense
  • $3,110Additional noninterest expense
  • $7,977Pre-tax net operating income
  • $8Securities gains (losses)
  • $2,082Applicable income taxes
  • $5,903Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,903Net income attributable to bank
  • $0Net charge-offs
  • $5,903Cash dividends
  • $531Sale, conversion, retirement of capital stock, net
  • $3,200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.27%Yield on earning assets
  • 0.42%Cost of funding earning assets
  • 4.85%Net interest margin
  • 1.24%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • 1.63%Net operating income to assets
  • 1.63%Return on assets (ROA)
  • 2.21%Pretax return on assets
  • 11.83%Return on equity (ROE)
  • 5.42%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 112.05%Credit loss provision to net charge-offs
  • 16.14%Efficiency ratio
  • 56,528Assets per employee
  • 3.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.21%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 732.75%Noncurrent assets plus other real estate owned to assets
  • 0.20%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 66.36%Net loans and leases to core deposits
  • 70.64%Equity capital to assets
  • 14.12%Core capital (leverage) ratio
  • 13.62%Tier 1 risk-based capital ratio
  • 20.16%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $361,296Average earning assets
  • $49,895Average equity
  • $327,746Average 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
  • $159,445Managed Assets
  • 1Number of Accounts
  • $158,164Personal trust and agency accounts
  • $41,869Employee benefit-defined contribution accounts
  • $10,654Employee benefit-defined benefit accounts
  • $5,638Other retirement accounts
  • $15,245Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $68,851Other fiduciary accounts
  • $15,907Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 181Number of Accounts
  • $0Personal trust and agency accounts
  • $15,245Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,281Other retirement accounts
  • $839Corporate trust and agency accounts
  • $426Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012105Community National Bank & Trust Of T321 North 15th Street, Corsicana, TX 75110January 01, 1934Full Service Brick and Mortar
    1360790Garitty Branch400 Garitty, Frost, TX 76641Febuary 01, 2000Full Service Brick and Mortar
    2450632Corsicana National Bank & Trust/Bran3401 South Highway 287, Corsicana, TX 75109March 27, 2006Full Service Brick and Mortar
    33765First National Bank Branch101 North Mount, Fairfield, TX 75840August 01, 1907Full Service Brick and Mortar
    4207806Streetman Branch548 Fm 416, Streetman, TX 75859June 05, 1999Full Service Brick and Mortar
    579496Buffalo Branch906 North Buffalo Ave, Buffalo, TX 75831December 16, 1999Full Service Brick and Mortar
    6442564Red Oak Branch309 East Ovilla Road, Red Oak, TX 75154April 06, 2005Full Service Brick and Mortar

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