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

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Community National Bank & Trust of Texas routing number info

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Community National Bank & Trust of Texas
GeneralFDIC 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
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
LocationAddress: 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 ChangesOffice Purchased
Financial SummaryTotal 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)
Total employees (full-time equivalent)113
Total assets$376,703
Cash and due from depository institutions$47,687
Interest-bearing balances$39,568
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$211,157
Loan loss allowance $3,759
Trading account assets$0
Bank premises and fixed assets$6,466
Other real estate owned$252
Goodwill and other intangibles$1,127
All other assets$16,695
Life insurance assets$376,704
Total liabilities and capital$323,524
Total liabilities$318,206
Total deposits$213,756
Interest-bearing deposits$318,206
Deposits held in domestic offices$84
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$561
Other borrowed funds $0
Subordinated debt $4,757
All other liabilities $53,180
Total equity capital$53,180
Total bank equity capital$53,180
Perpetual preferred stock$0
Common stock$846
Undivided profits $46,307
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $178
Income earned, not collected on loans $513
Earning assets $0
Long-term assets (5+ years) $1,888
Average Assets, year-to-date $344,044
Average Assets, quarterly $104,986
Volatile liabilities $361,296
Insider loans $366,079
FHLB advances $242,273
Loans and leases held for sale $358,793
Unused loan commitments $11,909
Tier 1 (core) risk-based capital $11,909
Tier 2 risk-based capital $48,852
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $37,343
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $17,282
Total interest expense $1,389
Net interest income $15,893
Provision for loan and lease losses $595
Total noninterest income $4,076
Fiduciary activities $959
Service charges on deposit accounts $1,248
Trading account gains & fees $0
Additional noninterest income $1,869
Total noninterest expense $11,397
Salaries and employee benefits $6,703
Premises and equipment expense $1,584
Additional noninterest expense $3,110
Pre-tax net operating income $7,977
Securities gains (losses) $8
Applicable income taxes $2,082
Income before extraordinary items $5,903
Extraordinary gains - net $0
Net income attributable to bank $5,903
Net charge-offs $0
Cash dividends $5,903
Sale, conversion, retirement of capital stock, net $531
Net operating income $3,200
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.27%
Cost of funding earning assets 0.42%
Net interest margin 4.85%
Noninterest income to earning assets 1.24%
Noninterest expense to earning assets 3.48%
Net operating income to assets 1.63%
Return on assets (ROA) 1.63%
Pretax return on assets 2.21%
Return on equity (ROE) 11.83%
Retained earnings to average equity (YTD only) 5.42%
Net charge-offs to loans 0.25%
Credit loss provision to net charge-offs 112.05%
Efficiency ratio16.14%
Assets per employee$56,528
Cash dividends to net income (YTD only)3.33%
Condition Ratios (%)
Loss allowance to loans 54.21%
Loss allowance to noncurrent loans 1.75%
Noncurrent assets plus other real estate owned to assets 732.75%
Noncurrent loans to loans 0.20%
Net loans and leases to deposits0.24%
Net loans and leases to core deposits 66.36%
Equity capital to assets 70.64%
Core capital (leverage) ratio 14.12%
Tier 1 risk-based capital ratio 13.62%
Total risk-based capital ratio 20.16%
Average assets$21
Average earning assets$361,296
Average equity $49,895
Average loans $327,746
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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$159,445
Number of Accounts1
Personal trust and agency accounts$158,164
Employee benefit-defined contribution accounts$41,869
Employee benefit-defined benefit accounts$10,654
Other retirement accounts$5,638
Corporate trust and agency accounts$15,245
Investment management agency accounts$0
Other fiduciary accounts$68,851
Fiduciary accounts held in foreign offices$15,907
Non-managed Assets$0
Number of Accounts181
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$15,245
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,281
Corporate trust and agency accounts$839
Other fiduciary accounts$426
Fiduciary accounts held in foreign offices$0
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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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