The Commercial National Bank of Brady in Brady, Texas (TX)



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The Commercial National Bank of Brady routing number info

Table of contents:
The Commercial National Bank of Brady
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)34
Total assets$126,415
Cash and due from depository institutions$7,051
Interest-bearing balances$4,208
Securities$55,474
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$57,347
Loan loss allowance $748
Trading account assets$0
Bank premises and fixed assets$2,406
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$4,137
Life insurance assets$126,415
Total liabilities and capital$109,387
Total liabilities$109,291
Total deposits$84,437
Interest-bearing deposits$109,291
Deposits held in domestic offices$85
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $96
All other liabilities $17,028
Total equity capital$17,028
Total bank equity capital$17,028
Perpetual preferred stock$0
Common stock$150
Surplus$710
Undivided profits $16,168
Memoranda
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 $217
Earning assets $0
Long-term assets (5+ years) $738
Average Assets, year-to-date $117,029
Average Assets, quarterly $48,829
Volatile liabilities $120,814
Insider loans $127,122
FHLB advances $63,640
Loans and leases held for sale $125,301
Unused loan commitments $2,977
Tier 1 (core) risk-based capital $2,977
Tier 2 risk-based capital $15,150
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,171
Derivatives$642
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,363
Total interest expense $500
Net interest income $4,863
Provision for loan and lease losses $69
Total noninterest income $817
Fiduciary activities $0
Service charges on deposit accounts $667
Trading account gains & fees $0
Additional noninterest income $150
Total noninterest expense $3,370
Salaries and employee benefits $2,101
Premises and equipment expense $393
Additional noninterest expense $876
Pre-tax net operating income $2,241
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $2,241
Extraordinary gains - net $0
Net income attributable to bank $2,241
Net charge-offs $0
Cash dividends $2,241
Sale, conversion, retirement of capital stock, net $14
Net operating income $1,699
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.79%
Cost of funding earning assets 0.45%
Net interest margin 4.34%
Noninterest income to earning assets 0.73%
Noninterest expense to earning assets 3.01%
Net operating income to assets 1.85%
Return on assets (ROA) 1.85%
Pretax return on assets 1.85%
Return on equity (ROE) 13.49%
Retained earnings to average equity (YTD only) 3.26%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 492.86%
Efficiency ratio165.00%
Assets per employee$59,331
Cash dividends to net income (YTD only)3.72%
Condition Ratios (%)
Loss allowance to loans 75.81%
Loss allowance to noncurrent loans 1.29%
Noncurrent assets plus other real estate owned to assets 344.70%
Noncurrent loans to loans 0.17%
Net loans and leases to deposits0.37%
Net loans and leases to core deposits 52.47%
Equity capital to assets 54.68%
Core capital (leverage) ratio 13.47%
Tier 1 risk-based capital ratio 12.09%
Total risk-based capital ratio 23.81%
Memoranda
Average assets$25
Average earning assets$120,814
Average equity $16,618
Average loans $112,063
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Total Fiduciary and Related Assets (December 31, 2008)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$5,782
Number of Accounts1
Personal trust and agency accounts$5,782
Employee benefit-defined contribution accounts$5,782
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts11
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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