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

The City National Bank of Sulphur Springs - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 137Total employees (full-time equivalent)
  • $417,884Total assets
  • $42,697Cash and due from depository institutions
  • $29,893Interest-bearing balances
  • $59,468Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $289,328Net loans & leases
  • $4,345Loan loss allowance
  • $0Trading account assets
  • $9,366Bank premises and fixed assets
  • $1,216Other real estate owned
  • $2,933Goodwill and other intangibles
  • $417,884Life insurance assets
  • $11,876All other assets
  • $381,880Total liabilities and capital
  • $378,545Total liabilities
  • $297,084Total deposits
  • $378,545Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,335Subordinated debt
  • $36,004All other liabilities
  • $36,004Total equity capital
  • $36,004Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $8,989Surplus
  • $26,015Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $30,618Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,043Income earned, not collected on loans
  • $0Earning assets
  • $2,203Long-term assets (5+ years)
  • $379,689Average Assets, year-to-date
  • $132,842Average Assets, quarterly
  • $405,685Volatile liabilities
  • $418,515Insider loans
  • $274,581FHLB advances
  • $416,050Loans and leases held for sale
  • $7,558Unused loan commitments
  • $7,558Tier 1 (core) risk-based capital
  • $32,851Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,894Restructured Loans and leases
  • $3,548Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,913Total interest income
  • $3,763Total interest expense
  • $17,150Net interest income
  • $2,459Provision for loan and lease losses
  • $4,560Total noninterest income
  • $0Fiduciary activities
  • $2,231Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,329Additional noninterest income
  • $14,424Total noninterest expense
  • $8,002Salaries and employee benefits
  • $2,653Premises and equipment expense
  • $3,769Additional noninterest expense
  • $4,827Pre-tax net operating income
  • $113Securities gains (losses)
  • $14Applicable income taxes
  • $4,926Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,926Net income attributable to bank
  • $0Net charge-offs
  • $4,926Cash dividends
  • $2,440Sale, conversion, retirement of capital stock, net
  • $6,574Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.68%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 4.66%Net interest margin
  • 1.24%Noninterest income to earning assets
  • 3.92%Noninterest expense to earning assets
  • 1.19%Net operating income to assets
  • 1.21%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 14.10%Return on equity (ROE)
  • -4.72%Retained earnings to average equity (YTD only)
  • 0.84%Net charge-offs to loans
  • 100.78%Credit loss provision to net charge-offs
  • 2.99%Efficiency ratio
  • 65,845Assets per employee
  • 3.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 133.46%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 416.59%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.36%Net loans and leases to deposits
  • 76.43%Net loans and leases to core deposits
  • 80.77%Equity capital to assets
  • 8.62%Core capital (leverage) ratio
  • 7.90%Tier 1 risk-based capital ratio
  • 11.96%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $405,685Average earning assets
  • $34,925Average equity
  • $367,971Average loans

List of branches

  • 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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