The Comanche National Bank in Comanche, Texas (TX)

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The Comanche National Bank
GeneralFDIC Certificate #: 3145
Status: Active
Federal Reserve ID: 949556
Bank Holding Company (Regulatory Top Holder): Comanche National Corporation (RSSDID: 2973238, Location: Comanche, 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: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 2015
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: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: Febuary 29, 2008
Last Structure Change Process Date: March 12, 2008
Last Data Update: March 12, 2008
Data Source Date: April 05, 2012
LocationAddress: 100 East Central Street, Comanche, TX 76442
County: Comanche
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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $281.7 mil
Equity capital: $37.0 mil
Deposits held in domestic offices: $241.9 mil
Return on assets (ROA): 1.22% ($3.4 mil)
Quarterly return on assets: 1.12% ($3.2 mil)
Return on Equity (ROE): 8.99% ($3.3 mil)
Quarterly return on equity: 8.15% ($3.0 mil)
Net income: $3.2 mil
Quarterly Net income: $0.8 mil
Pretax return on assets: 1.64% ($4,619.4 mil)
Quarterly Pretax return on assets: 1.52% ($4,281.4 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)79
Total assets$281,670
Cash and due from depository institutions$23,256
Interest-bearing balances$14,114
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$98,283
Loan loss allowance $3,126
Trading account assets$0
Bank premises and fixed assets$3,770
Other real estate owned$97
Goodwill and other intangibles$4,351
All other assets$2,538
Life insurance assets$281,670
Total liabilities and capital$244,627
Total liabilities$241,887
Total deposits$200,066
Interest-bearing deposits$241,887
Deposits held in domestic offices$84
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,740
All other liabilities $37,043
Total equity capital$37,043
Total bank equity capital$37,043
Perpetual preferred stock$0
Common stock$900
Undivided profits $30,905
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $618
Earning assets $0
Long-term assets (5+ years) $1,507
Average Assets, year-to-date $261,772
Average Assets, quarterly $187,292
Volatile liabilities $264,454
Insider loans $273,439
FHLB advances $110,289
Loans and leases held for sale $259,351
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $28,701
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,415
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,722
Total interest expense $1,856
Net interest income $9,866
Provision for loan and lease losses $0
Total noninterest income $1,226
Fiduciary activities $0
Service charges on deposit accounts $844
Trading account gains & fees $0
Additional noninterest income $382
Total noninterest expense $6,891
Salaries and employee benefits $4,319
Premises and equipment expense $808
Additional noninterest expense $1,764
Pre-tax net operating income $4,201
Securities gains (losses) $125
Applicable income taxes $1,110
Income before extraordinary items $3,216
Extraordinary gains - net $0
Net income attributable to bank $3,216
Net charge-offs $0
Cash dividends $3,216
Sale, conversion, retirement of capital stock, net $10
Net operating income $1,500
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.74%
Cost of funding earning assets 0.75%
Net interest margin 3.99%
Noninterest income to earning assets 0.50%
Noninterest expense to earning assets 2.78%
Net operating income to assets 1.18%
Return on assets (ROA) 1.22%
Pretax return on assets 1.64%
Return on equity (ROE) 8.99%
Retained earnings to average equity (YTD only) 4.80%
Net charge-offs to loans 0.01%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio420.10%
Assets per employee$60,314
Cash dividends to net income (YTD only)3.57%
Condition Ratios (%)
Loss allowance to loans 46.64%
Loss allowance to noncurrent loans 3.08%
Noncurrent assets plus other real estate owned to assets 505.83%
Noncurrent loans to loans 0.25%
Net loans and leases to deposits0.61%
Net loans and leases to core deposits 40.63%
Equity capital to assets 46.56%
Core capital (leverage) ratio 13.15%
Tier 1 risk-based capital ratio 11.07%
Total risk-based capital ratio 26.02%
Average assets$27
Average earning assets$264,454
Average equity $35,774
Average loans $247,541
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5 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02015The Comanche National Bank100 East Central Street, Comanche, TX 76442January 01, 1889Full Service Brick and Mortar
13750Santo Branch14003 S Fm 4, Santo, TX 76472April 06, 1906Full Service Brick and Mortar
2207800Mingus Branch117 Hwy 193, Mingus, TX 76463June 03, 1991Full Service Brick and Mortar
3207801Palo Pinto Branch539 Oak Street, Palo Pinto, TX 76484April 27, 1987Full Service Brick and Mortar
4207802Millsap Branch107 Fannin, Millsap, TX 76066October 06, 1998Full Service Brick and Mortar
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