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


The City National Bank of San Saba - Overview

  • General
  • FDIC Certificate #: 5518
    Status: Active
    Federal Reserve ID: 714165
    Bank Holding Company (Regulatory Top Holder): Cnb National Financial Corporation (RSSDID: 1110205, Location: San Saba, TX)
    Date Established: January 01, 1883
    WWW: http://www.cnbss.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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 3747
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    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: 209 East Brown Street, San Saba, TX 76877
    County: San Saba
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $52.2 mil
    Equity capital: $8.2 mil
    Deposits held in domestic offices: $43.9 mil
    Return on assets (ROA): 0.41% ($0.2 mil)
    Quarterly return on assets: -0.07% (-$0.0 mil)
    Return on Equity (ROE): 2.64% ($0.2 mil)
    Quarterly return on equity: -0.43% (-$0.0 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.41% ($214.2 mil)
    Quarterly Pretax return on assets: -0.07% (-$36.6 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
  • 16Total employees (full-time equivalent)
  • $52,241Total assets
  • $13,875Cash and due from depository institutions
  • $2,591Interest-bearing balances
  • $25,986Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $9,978Net loans & leases
  • $261Loan loss allowance
  • $0Trading account assets
  • $381Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $52,241Life insurance assets
  • $2,021All other assets
  • $44,052Total liabilities and capital
  • $43,922Total liabilities
  • $33,567Total deposits
  • $43,922Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $130Subordinated debt
  • $8,189All other liabilities
  • $8,189Total equity capital
  • $8,189Total bank equity capital
  • $0Perpetual preferred stock
  • $480Common stock
  • $480Surplus
  • $7,229Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $650Income earned, not collected on loans
  • $0Earning assets
  • $356Long-term assets (5+ years)
  • $38,555Average Assets, year-to-date
  • $14,168Average Assets, quarterly
  • $53,208Volatile liabilities
  • $52,374Insider loans
  • $22,268FHLB advances
  • $52,763Loans and leases held for sale
  • $1,532Unused loan commitments
  • $1,020Tier 1 (core) risk-based capital
  • $7,943Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $512Total unused commitments
  • $412Restructured Loans and leases
  • $277Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,497Total interest income
  • $113Total interest expense
  • $1,384Net interest income
  • $9Provision for loan and lease losses
  • $224Total noninterest income
  • $0Fiduciary activities
  • $157Service charges on deposit accounts
  • $0Trading account gains & fees
  • $67Additional noninterest income
  • $1,383Total noninterest expense
  • $771Salaries and employee benefits
  • $145Premises and equipment expense
  • $467Additional noninterest expense
  • $216Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $216Income before extraordinary items
  • $0Extraordinary gains - net
  • $216Net income attributable to bank
  • $0Net charge-offs
  • $216Cash dividends
  • -$1Sale, conversion, retirement of capital stock, net
  • $109Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.70%Yield on earning assets
  • 0.28%Cost of funding earning assets
  • 3.42%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 3.42%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.41%Pretax return on assets
  • 2.64%Return on equity (ROE)
  • 1.31%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -900.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 86,007Assets per employee
  • 3.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.46%Loss allowance to loans
  • 2.55%Loss allowance to noncurrent loans
  • 40.15%Noncurrent assets plus other real estate owned to assets
  • 1.24%Noncurrent loans to loans
  • 6.35%Net loans and leases to deposits
  • 22.72%Net loans and leases to core deposits
  • 22.92%Equity capital to assets
  • 15.68%Core capital (leverage) ratio
  • 15.05%Tier 1 risk-based capital ratio
  • 35.67%Total risk-based capital ratio
  • Memoranda
  • $37Average assets
  • $53,208Average earning assets
  • $8,188Average equity
  • $40,432Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03747The City National Bank Of San Saba209 East Brown Street, San Saba, TX 76877January 01, 1883Full Service Brick and Mortar

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