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


The Commercial National Bank of Brady - Overview

  • General
  • FDIC Certificate #: 3110
    Status: Active
    Federal Reserve ID: 42354
    Bank Holding Company (Regulatory Top Holder): Commercial National Corporation (RSSDID: 1103207, Location: Brady, TX)
    Date Established: March 11, 1907
    WWW: http://www.cnbbrady.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 1985
    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 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 105 East Second Street, Brady, TX 76825
    County: Mcculloch
    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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $126.4 mil
    Equity capital: $17.0 mil
    Deposits held in domestic offices: $109.3 mil
    Return on assets (ROA): 1.85% ($2.3 mil)
    Quarterly return on assets: 1.64% ($2.1 mil)
    Return on Equity (ROE): 13.49% ($2.3 mil)
    Quarterly return on equity: 12.03% ($2.0 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.85% ($2,338.7 mil)
    Quarterly Pretax return on assets: 1.64% ($2,073.2 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
  • 34Total employees (full-time equivalent)
  • $126,415Total assets
  • $7,051Cash and due from depository institutions
  • $4,208Interest-bearing balances
  • $55,474Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $57,347Net loans & leases
  • $748Loan loss allowance
  • $0Trading account assets
  • $2,406Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $126,415Life insurance assets
  • $4,137All other assets
  • $109,387Total liabilities and capital
  • $109,291Total liabilities
  • $84,437Total deposits
  • $109,291Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $96Subordinated debt
  • $17,028All other liabilities
  • $17,028Total equity capital
  • $17,028Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $710Surplus
  • $16,168Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $217Income earned, not collected on loans
  • $0Earning assets
  • $738Long-term assets (5+ years)
  • $117,029Average Assets, year-to-date
  • $48,829Average Assets, quarterly
  • $120,814Volatile liabilities
  • $127,122Insider loans
  • $63,640FHLB advances
  • $125,301Loans and leases held for sale
  • $2,977Unused loan commitments
  • $2,977Tier 1 (core) risk-based capital
  • $15,150Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,171Restructured Loans and leases
  • $642Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,363Total interest income
  • $500Total interest expense
  • $4,863Net interest income
  • $69Provision for loan and lease losses
  • $817Total noninterest income
  • $0Fiduciary activities
  • $667Service charges on deposit accounts
  • $0Trading account gains & fees
  • $150Additional noninterest income
  • $3,370Total noninterest expense
  • $2,101Salaries and employee benefits
  • $393Premises and equipment expense
  • $876Additional noninterest expense
  • $2,241Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,241Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,241Net income attributable to bank
  • $0Net charge-offs
  • $2,241Cash dividends
  • $14Sale, conversion, retirement of capital stock, net
  • $1,699Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.79%Yield on earning assets
  • 0.45%Cost of funding earning assets
  • 4.34%Net interest margin
  • 0.73%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 1.85%Net operating income to assets
  • 1.85%Return on assets (ROA)
  • 1.85%Pretax return on assets
  • 13.49%Return on equity (ROE)
  • 3.26%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 492.86%Credit loss provision to net charge-offs
  • 165.00%Efficiency ratio
  • 59,331Assets per employee
  • 3.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.81%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 344.70%Noncurrent assets plus other real estate owned to assets
  • 0.17%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 52.47%Net loans and leases to core deposits
  • 54.68%Equity capital to assets
  • 13.47%Core capital (leverage) ratio
  • 12.09%Tier 1 risk-based capital ratio
  • 23.81%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $120,814Average earning assets
  • $16,618Average equity
  • $112,063Average loans

Total Fiduciary and Related Assets (December 31, 2008)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $5,782Managed Assets
  • 1Number of Accounts
  • $5,782Personal trust and agency accounts
  • $5,782Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 11Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01985The Commercial National Bank Of Brad105 East Second Street, Brady, TX 76825March 11, 1907Full Service Brick and Mortar
    1479950Brady San Saba Branch609 West Wallace, San Saba, TX 76877May 19, 2008Full Service Brick and Mortar

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