CommunityBank of Texas, N.A. in Beaumont, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


CommunityBank of Texas, N.A. - Overview

  • General
  • FDIC Certificate #: 3363
    Status: Active
    Federal Reserve ID: 774262
    Bank Holding Company (Regulatory Top Holder): Cbfh, Inc. (RSSDID: 3594872, Location: Orange, TX)
    Date Established: March 06, 1926
    WWW: http://www.communitybankoftx.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: 28 (Domestic: 28, Interstate: No)
    FDIC's unique #: 2182
    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: January 01, 1934
    Last Structure Change Effective Date: October 31, 2009
    Last Structure Change Process Date: November 17, 2009
    Last Data Update: November 17, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 5999 Delaware Street, Beaumont, TX 77706
    County: Jefferson
    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): Beaumont-Port Arthur, TX (#840)
    Core Based Statistical Area (CBSA): Beaumont-Port Arthur, TX (#13140)
    CBSA Metro Statistical Area: Beaumont-Port Arthur, TX (#13140)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $1,515.3 mil
    Equity capital: $198.8 mil
    Deposits held in domestic offices: $1,309.1 mil
    Return on assets (ROA): 0.63% ($9.5 mil)
    Quarterly return on assets: 0.78% ($11.8 mil)
    Return on Equity (ROE): 4.79% ($9.5 mil)
    Quarterly return on equity: 5.81% ($11.6 mil)
    Net income: $9.2 mil
    Quarterly Net income: $2.9 mil
    Pretax return on assets: 0.90% ($13,637.3 mil)
    Quarterly Pretax return on assets: 1.11% ($16,819.3 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
  • 341Total employees (full-time equivalent)
  • $1,515,256Total assets
  • $268,721Cash and due from depository institutions
  • $239,327Interest-bearing balances
  • $96,192Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,003,348Net loans & leases
  • $15,294Loan loss allowance
  • $0Trading account assets
  • $54,976Bank premises and fixed assets
  • $3,141Other real estate owned
  • $59,633Goodwill and other intangibles
  • $1,515,256Life insurance assets
  • $29,245All other assets
  • $1,316,419Total liabilities and capital
  • $1,309,127Total liabilities
  • $1,175,588Total deposits
  • $1,309,127Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 2139.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $5,153Subordinated debt
  • $198,837All other liabilities
  • $198,837Total equity capital
  • $198,837Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $174,068Surplus
  • $24,519Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $905Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $15,854Income earned, not collected on loans
  • $0Earning assets
  • $4,425Long-term assets (5+ years)
  • $1,338,867Average Assets, year-to-date
  • $274,003Average Assets, quarterly
  • $1,460,866Volatile liabilities
  • $1,479,481Insider loans
  • $1,084,703FHLB advances
  • $1,428,694Loans and leases held for sale
  • $6,727Unused loan commitments
  • $6,727Tier 1 (core) risk-based capital
  • $137,112Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $207,525Restructured Loans and leases
  • $171,411Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $58,970Total interest income
  • $8,337Total interest expense
  • $50,633Net interest income
  • $5,471Provision for loan and lease losses
  • $9,425Total noninterest income
  • $0Fiduciary activities
  • $6,014Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,411Additional noninterest income
  • $41,929Total noninterest expense
  • $22,478Salaries and employee benefits
  • $5,688Premises and equipment expense
  • $13,763Additional noninterest expense
  • $12,658Pre-tax net operating income
  • $453Securities gains (losses)
  • $3,879Applicable income taxes
  • $9,232Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,232Net income attributable to bank
  • $0Net charge-offs
  • $9,232Cash dividends
  • $4,803Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.58%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 3.94%Net interest margin
  • 0.73%Noninterest income to earning assets
  • 3.26%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.90%Pretax return on assets
  • 4.79%Return on equity (ROE)
  • 4.79%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 113.91%Credit loss provision to net charge-offs
  • 3.77%Efficiency ratio
  • 67,580Assets per employee
  • 4.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 96.47%Noncurrent assets plus other real estate owned to assets
  • 1.25%Noncurrent loans to loans
  • 1.56%Net loans and leases to deposits
  • 76.64%Net loans and leases to core deposits
  • 81.02%Equity capital to assets
  • 13.12%Core capital (leverage) ratio
  • 9.60%Tier 1 risk-based capital ratio
  • 12.64%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $1,460,866Average earning assets
  • $192,892Average equity
  • $1,286,258Average loans

List of branches

  • 28 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02182Communitybank Of Texas, N.A.5999 Delaware Street, Beaumont, TX 77706March 06, 1926Full Service Brick and Mortar
    1196372Cb-Buna BranchHighway 62 East, Buna, TX 77612November 15, 1989Full Service Brick and Mortar
    2196373Cb-Kirbyville BranchUs Highway 96 And Pine Street, Kirbyville, TX 75956October 21, 1991Full Service Brick and Mortar
    3196374Cb-Jasper Branch637 South Wheeler, Jasper, TX 75951August 15, 1994Full Service Brick and Mortar
    4362814Cb-Vidor Branch1475 N. Main Street, Vidor, TX 77662October 29, 2001Full Service Brick and Mortar
    5363416Cb-Orange Branch3300 Edgar Brown Drive, Orange, TX 77630March 18, 2002Full Service Brick and Mortar
    6450631Communitybank - Deweyville43427 St Hwy 87 S, Orange, TX 77632March 30, 2006Full Service Brick and Mortar
    8468012Port Arthur Branch4749 Twin City Highway, Port Arthur, TX 77642August 01, 2007Full Service Brick and Mortar
    10470225Turtle Creek Branch2901 Turtle Creek Drive, Port Arthur, TX 77642October 15, 2007Full Service Brick and Mortar
    11473618Newton Branch319 Rusk, Newton, TX 75966November 15, 1989Full Service Brick and Mortar
    12475991Cb-Park Street Branch490 Park Street, Suite 105, Beaumont, TX 77701Febuary 19, 2008Full Service Brick and Mortar
    13476054Cb-Nederland Branch2008 W Hwy 365, Nederland, TX 77627April 03, 2008Full Service Brick and Mortar
    14492969Communitybank Phelan Branch6378 Phelan Blvd, Beaumont, TX 77706November 03, 2008Full Service Brick and Mortar
    15492970Communitybank Lumberton Branch111 Country Lane, Lumberton, TX 77657September 03, 2008Full Service Brick and Mortar
    16492971Communitybank Woodville Branch501 S. Magnolia, Woodville, TX 75979November 07, 2008Full Service Brick and Mortar
    17987Crosby Branch6202 F.M. 2100, Crosby, TX 77532April 15, 1913Full Service Brick and Mortar
    18189620Lobby 2 Branch14100 Fm 2100, Crosby, TX 77532December 30, 1985Full Service Brick and Mortar
    19357789Baytown Garth Branch5700 Garth Road, Baytown, TX 77521September 07, 1999Full Service Brick and Mortar
    20420392Northshore Branch13909 East Freeway, Houston, TX 77015September 03, 2002Full Service Brick and Mortar
    21431725Humble Branch19010 W. Lake Houston Parkway, Humble, TX 77346March 22, 2004Full Service Brick and Mortar
    22432272Washington Avenue Branch6226 Washington Avenue, Houston, TX 77007September 07, 2004Full Service Brick and Mortar
    23440395Baytown 146 Branch8010 N. Highway 146, Baytown, TX 77520May 02, 2005Full Service Brick and Mortar
    24465864Sheldon Branch13222 Tidwell, Houston, TX 77044June 04, 2007Full Service Brick and Mortar
    25493269Huffman Branch24900 Fm 2100, Huffman, TX 77336January 12, 2009Full Service Brick and Mortar
    26493270Fairmont Branch4130 Fairmont Parkway, Pasadena, TX 77504April 27, 2009Full Service Brick and Mortar
    27510305Highway 105 At Major Drive Branch7410 Highway 105, Beaumont, TX 77713June 28, 2010Full Service Brick and Mortar
    28511448Silsbee Branch645 North 5th Street, Silsbee, TX 77656July 19, 2010Full Service Brick and Mortar
    29518663Tomball Branch28515 State Highway 249, Tomball, TX 77375Febuary 28, 2011Full Service Brick and Mortar

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