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

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

  • General
  • 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
    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
  • NoIDNameAddressEstablishedService TypeMap
    03771The City National Bank Of Taylor116 West Third Street, Taylor, TX 76574January 01, 1900Full Service Brick and Mortar

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