The City National Bank of Colorado City in Colorado City, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The City National Bank of Colorado City in Colorado City, Texas (TX)
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The City National Bank of Colorado City - Overview

  • General
  • FDIC Certificate #: 3144
    Status: Active
    Federal Reserve ID: 799854
    Bank Holding Company (Regulatory Top Holder): City National Bancshares, Inc. (RSSDID: 2215451, Location: Colorado City, TX)
    Date Established: January 01, 1900
    WWW: http://www.cnbccity.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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 2014
    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: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 228 Elm Street, Colorado City, TX 79512
    County: Mitchell
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Lubbock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $109.8 mil
    Equity capital: $8.9 mil
    Deposits held in domestic offices: $100.8 mil
    Return on assets (ROA): 1.48% ($1.6 mil)
    Quarterly return on assets: 1.46% ($1.6 mil)
    Return on Equity (ROE): 17.44% ($1.6 mil)
    Quarterly return on equity: 17.06% ($1.5 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.48% ($1,625.7 mil)
    Quarterly Pretax return on assets: 1.46% ($1,603.7 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
  • 25Total employees (full-time equivalent)
  • $109,843Total assets
  • $4,412Cash and due from depository institutions
  • $179Interest-bearing balances
  • $68,597Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $34,572Net loans & leases
  • $466Loan loss allowance
  • $0Trading account assets
  • $1,140Bank premises and fixed assets
  • $107Other real estate owned
  • $0Goodwill and other intangibles
  • $109,843Life insurance assets
  • $1,015All other assets
  • $100,920Total liabilities and capital
  • $100,815Total liabilities
  • $84,710Total deposits
  • $100,815Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $105Subordinated debt
  • $8,923All other liabilities
  • $8,923Total equity capital
  • $8,923Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $500Surplus
  • $8,173Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $23Income earned, not collected on loans
  • $0Earning assets
  • $670Long-term assets (5+ years)
  • $103,348Average Assets, year-to-date
  • $70,072Average Assets, quarterly
  • $100,521Volatile liabilities
  • $108,606Insider loans
  • $50,266FHLB advances
  • $109,895Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,378Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,819Restructured Loans and leases
  • $492Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,703Total interest income
  • $963Total interest expense
  • $2,740Net interest income
  • $80Provision for loan and lease losses
  • $897Total noninterest income
  • $192Fiduciary activities
  • $516Service charges on deposit accounts
  • $0Trading account gains & fees
  • $189Additional noninterest income
  • $2,314Total noninterest expense
  • $1,162Salaries and employee benefits
  • $210Premises and equipment expense
  • $942Additional noninterest expense
  • $1,243Pre-tax net operating income
  • $242Securities gains (losses)
  • $0Applicable income taxes
  • $1,485Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,485Net income attributable to bank
  • $0Net charge-offs
  • $1,485Cash dividends
  • -$11Sale, conversion, retirement of capital stock, net
  • $1,345Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.92%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 2.90%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 2.45%Noninterest expense to earning assets
  • 1.24%Net operating income to assets
  • 1.48%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 17.44%Return on equity (ROE)
  • 1.64%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • -727.27%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 63,624Assets per employee
  • 4.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 90.57%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 2026.09%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.07%Net loans and leases to deposits
  • 34.29%Net loans and leases to core deposits
  • 35.57%Equity capital to assets
  • 8.12%Core capital (leverage) ratio
  • 7.62%Tier 1 risk-based capital ratio
  • 16.67%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $100,521Average earning assets
  • $8,514Average equity
  • $94,478Average 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
  • $33,072Managed Assets
  • 1Number of Accounts
  • $17,324Personal trust and agency accounts
  • $17,316Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $8Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 201Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $15,748Other retirement accounts
  • $1,558Corporate trust and agency accounts
  • $4,798Other fiduciary accounts
  • $9,392Fiduciary accounts held in foreign offices

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02014The City National Bank Of Colorado C228 Elm Street, Colorado City, TX 79512January 01, 1900Full Service Brick and Mortar

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