The City National Bank of Sulphur Springs in Sulphur Springs, Texas (TX)

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The City National Bank of Sulphur Springs routing number info

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The City National Bank of Sulphur Springs
GeneralFDIC Certificate #: 5544
Status: Active
Federal Reserve ID: 596062
Bank Holding Company (Regulatory Top Holder): Sulphur Springs Bancshares, Inc. (RSSDID: 1131666, Location: Sulphur Springs, TX)
Date Established: January 01, 1889
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: 8 (Domestic: 8, Interstate: No)
FDIC's unique #: 3767
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 12, 2011
Last Structure Change Process Date: March 23, 2011
Last Data Update: March 23, 2011
Data Source Date: April 05, 2012
LocationAddress: 201 Connally Street, Sulphur Springs, TX 75482
County: Hopkins
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): Sulphur Springs, TX (#44860)
CBSA Micro Statistical Area: Yes
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $417.9 mil
Equity capital: $36.0 mil
Deposits held in domestic offices: $378.5 mil
Return on assets (ROA): 1.21% ($5.1 mil)
Quarterly return on assets: 2.28% ($9.5 mil)
Return on Equity (ROE): 14.10% ($5.1 mil)
Quarterly return on equity: 26.92% ($9.7 mil)
Net income: $4.9 mil
Quarterly Net income: $2.4 mil
Pretax return on assets: 1.22% ($5,098.2 mil)
Quarterly Pretax return on assets: 2.28% ($9,527.8 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)137
Total assets$417,884
Cash and due from depository institutions$42,697
Interest-bearing balances$29,893
Federal funds sold & reverse repurchase agreements$1,000
Net loans & leases$289,328
Loan loss allowance $4,345
Trading account assets$0
Bank premises and fixed assets$9,366
Other real estate owned$1,216
Goodwill and other intangibles$2,933
All other assets$11,876
Life insurance assets$417,884
Total liabilities and capital$381,880
Total liabilities$378,545
Total deposits$297,084
Interest-bearing deposits$378,545
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $3,335
All other liabilities $36,004
Total equity capital$36,004
Total bank equity capital$36,004
Perpetual preferred stock$0
Common stock$1,000
Undivided profits $26,015
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $30,618
Income earned, not collected on loans $1,043
Earning assets $0
Long-term assets (5+ years) $2,203
Average Assets, year-to-date $379,689
Average Assets, quarterly $132,842
Volatile liabilities $405,685
Insider loans $418,515
FHLB advances $274,581
Loans and leases held for sale $416,050
Unused loan commitments $7,558
Tier 1 (core) risk-based capital $7,558
Tier 2 risk-based capital $32,851
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $14,894
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $20,913
Total interest expense $3,763
Net interest income $17,150
Provision for loan and lease losses $2,459
Total noninterest income $4,560
Fiduciary activities $0
Service charges on deposit accounts $2,231
Trading account gains & fees $0
Additional noninterest income $2,329
Total noninterest expense $14,424
Salaries and employee benefits $8,002
Premises and equipment expense $2,653
Additional noninterest expense $3,769
Pre-tax net operating income $4,827
Securities gains (losses) $113
Applicable income taxes $14
Income before extraordinary items $4,926
Extraordinary gains - net $0
Net income attributable to bank $4,926
Net charge-offs $0
Cash dividends $4,926
Sale, conversion, retirement of capital stock, net $2,440
Net operating income $6,574
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.68%
Cost of funding earning assets 1.02%
Net interest margin 4.66%
Noninterest income to earning assets 1.24%
Noninterest expense to earning assets 3.92%
Net operating income to assets 1.19%
Return on assets (ROA) 1.21%
Pretax return on assets 1.22%
Return on equity (ROE) 14.10%
Retained earnings to average equity (YTD only) -4.72%
Net charge-offs to loans 0.84%
Credit loss provision to net charge-offs 100.78%
Efficiency ratio2.99%
Assets per employee$65,845
Cash dividends to net income (YTD only)3.05%
Condition Ratios (%)
Loss allowance to loans 133.46%
Loss allowance to noncurrent loans 1.48%
Noncurrent assets plus other real estate owned to assets 416.59%
Noncurrent loans to loans 0.54%
Net loans and leases to deposits0.36%
Net loans and leases to core deposits 76.43%
Equity capital to assets 80.77%
Core capital (leverage) ratio 8.62%
Tier 1 risk-based capital ratio 7.90%
Total risk-based capital ratio 11.96%
Average assets$13
Average earning assets$405,685
Average equity $34,925
Average loans $367,971
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8 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03767The City National Bank Of Sulphur Sp201 Connally Street, Sulphur Springs, TX 75482January 01, 1889Full Service Brick and Mortar
1207808Winnsboro Branch607 South Main, Winnsboro, TX 75494August 27, 1993Full Service Brick and Mortar
316157Mockingbird Lane Branch1133 Mockingbird Lane, Sulphur Springs, TX 75482January 28, 1980Full Service Brick and Mortar
410896City National Bank Hawkins Office205 Beulah, Hawkins, TX 75765November 08, 1947Full Service Brick and Mortar
5238817City National Bank Holly Lake BranchHighway 2869, Hawkins, TX 75765March 31, 1995Full Service Brick and Mortar
7256399Yantis Branch120 North Main Street, Yantis, TX 75497August 23, 1993Full Service Brick and Mortar
8256400Quitman Branch501 E. Goode Street, Quitman, TX 75783September 19, 1994Full Service Brick and Mortar
112168First National Bank Of Mineola Branc200 North Pacific Street, Mineola, TX 75773July 15, 1898Full Service Brick and Mortar
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