FDIC Certificate #: 5548 Status: Active Federal Reserve ID: 181963 Bank Holding Company (Regulatory Top Holder): Cnb Financial Corporation, Inc. (RSSDID: 1109825, Location: Taylor, TX) Date Established: January 01, 1900 WWW:http://www.cnbt.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) OTS Docket #: 9965 FDIC's unique #: 3771 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: Mortgage Lending Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: October 13, 2009 Last Data Update: October 13, 2009 Data Source Date: April 05, 2012
Location
Address: 116 West Third Street, Taylor, TX 76574 County: Williamson Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Austin Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Austin-San Marcos, TX (#640) Combined Statistical Area (CSA): Austin-Round Rock-Marble Falls, TX (#126) Core Based Statistical Area (CBSA): Austin-Round Rock-San Marcos, TX (#12420) CBSA Metro Statistical Area: Austin-Round Rock-San Marcos, TX (#12420)
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $189.5 mil Equity capital: $19.9 mil Deposits held in domestic offices: $166.0 mil Return on assets (ROA): 0.83% ($1.6 mil) Quarterly return on assets: 0.43% ($0.8 mil) Return on Equity (ROE): 8.38% ($1.7 mil) Quarterly return on equity: 4.17% ($0.8 mil) Net income: $1.5 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.83% ($1,572.9 mil) Quarterly Pretax return on assets: 0.43% ($814.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
49Total employees (full-time equivalent)
$189,505Total assets
$5,886Cash and due from depository institutions
$24Interest-bearing balances
$118,993Securities
$3,107Federal funds sold & reverse repurchase agreements
$56,497Net loans & leases
$1,007Loan loss allowance
$0Trading account assets
$2,323Bank premises and fixed assets
$231Other real estate owned
$0Goodwill and other intangibles
$189,505Life insurance assets
$2,468All other assets
$169,612Total liabilities and capital
$165,981Total liabilities
$135,609Total deposits
$165,981Interest-bearing deposits
$91Deposits held in domestic offices
3002.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$508Trading liabilities
$0Other borrowed funds
$121Subordinated debt
$19,893All other liabilities
$19,893Total equity capital
$19,893Total bank equity capital
$0Perpetual preferred stock
$800Common stock
$828Surplus
$18,265Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,164Income earned, not collected on loans
$0Earning assets
$903Long-term assets (5+ years)
$178,621Average Assets, year-to-date
$110,136Average Assets, quarterly
$185,670Volatile liabilities
$189,202Insider loans
$56,427FHLB advances
$190,105Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$18,842Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,776Restructured Loans and leases
$13Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$7,182Total interest income
$1,159Total interest expense
$6,023Net interest income
$105Provision for loan and lease losses
$1,450Total noninterest income
$0Fiduciary activities
$1,169Service charges on deposit accounts
$0Trading account gains & fees
$281Additional noninterest income
$6,502Total noninterest expense
$3,503Salaries and employee benefits
$844Premises and equipment expense
$2,155Additional noninterest expense
$866Pre-tax net operating income
$680Securities gains (losses)
$0Applicable income taxes
$1,546Income before extraordinary items
$0Extraordinary gains - net
$1,546Net income attributable to bank
$0Net charge-offs
$1,546Cash dividends
-$139Sale, conversion, retirement of capital stock, net
$763Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.11%Yield on earning assets
0.66%Cost of funding earning assets
3.45%Net interest margin
0.83%Noninterest income to earning assets
3.73%Noninterest expense to earning assets
0.47%Net operating income to assets
0.83%Return on assets (ROA)
0.83%Pretax return on assets
8.38%Return on equity (ROE)
4.24%Retained earnings to average equity (YTD only)
-0.23%Net charge-offs to loans
-75.54%Credit loss provision to net charge-offs
0.00%Efficiency ratio
87,007Assets per employee
3.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
49.35%Loss allowance to loans
1.75%Loss allowance to noncurrent loans
46.53%Noncurrent assets plus other real estate owned to assets
1.26%Noncurrent loans to loans
3.76%Net loans and leases to deposits
34.04%Net loans and leases to core deposits
38.19%Equity capital to assets
10.50%Core capital (leverage) ratio
9.91%Tier 1 risk-based capital ratio
33.39%Total risk-based capital ratio
Memoranda
$35Average assets
$185,670Average earning assets
$18,446Average equity
$174,541Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3771
The City National Bank Of Taylor
116 West Third Street, Taylor, TX 76574
January 01, 1900
Full Service Brick and Mortar
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