FDIC Certificate #: 14776 Status: Active Federal Reserve ID: 257466 Date Established: May 13, 1905 WWW:http://www.cbankofsnyder.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9242 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: September 27, 1934 Last Structure Change Effective Date: November 05, 2008 Last Structure Change Process Date: November 13, 2008 Last Data Update: November 13, 2008 Data Source Date: April 05, 2012
Location
Address: 1715 25th Street, Snyder, TX 79549 County: Scurry Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Lubbock Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): Snyder, TX (#43660) CBSA Micro Statistical Area: Yes
History of Changes
Name Change
Change in Primary Regulatory Agency
Change in Supervisory Agency
Financial Summary
Total assets: $118.4 mil Equity capital: $11.5 mil Deposits held in domestic offices: $105.5 mil Return on assets (ROA): 0.74% ($0.9 mil) Quarterly return on assets: 0.54% ($0.6 mil) Return on Equity (ROE): 7.04% ($0.8 mil) Quarterly return on equity: 5.39% ($0.6 mil) Net income: $0.8 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.08% ($1,278.3 mil) Quarterly Pretax return on assets: 0.77% ($911.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
31Total employees (full-time equivalent)
$118,362Total assets
$15,283Cash and due from depository institutions
$12,860Interest-bearing balances
$24,793Securities
$2,500Federal funds sold & reverse repurchase agreements
$73,389Net loans & leases
$553Loan loss allowance
$0Trading account assets
$1,096Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$118,362Life insurance assets
$1,301All other assets
$106,822Total liabilities and capital
$105,485Total liabilities
$70,604Total deposits
$105,485Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,337Subordinated debt
$11,540All other liabilities
$11,540Total equity capital
$11,540Total bank equity capital
$0Perpetual preferred stock
$1,500Common stock
$1,500Surplus
$8,540Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,836Income earned, not collected on loans
$0Earning assets
$563Long-term assets (5+ years)
$113,542Average Assets, year-to-date
$9,294Average Assets, quarterly
$109,292Volatile liabilities
$116,628Insider loans
$84,745FHLB advances
$116,780Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,268Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,197Restructured Loans and leases
$1,289Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,630Total interest income
$628Total interest expense
$4,002Net interest income
$0Provision for loan and lease losses
$311Total noninterest income
$0Fiduciary activities
$198Service charges on deposit accounts
$0Trading account gains & fees
$113Additional noninterest income
$3,135Total noninterest expense
$1,725Salaries and employee benefits
$438Premises and equipment expense
$972Additional noninterest expense
$1,178Pre-tax net operating income
$0Securities gains (losses)
$367Applicable income taxes
$811Income before extraordinary items
$0Extraordinary gains - net
$811Net income attributable to bank
$0Net charge-offs
$811Cash dividends
-$2Sale, conversion, retirement of capital stock, net
$990Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.42%Yield on earning assets
0.60%Cost of funding earning assets
3.82%Net interest margin
0.30%Noninterest income to earning assets
2.99%Noninterest expense to earning assets
0.74%Net operating income to assets
0.74%Return on assets (ROA)
1.08%Pretax return on assets
7.04%Return on equity (ROE)
-1.55%Retained earnings to average equity (YTD only)
-0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
72,687Assets per employee
3.82%Cash dividends to net income (YTD only)
Condition Ratios (%)
122.07%Loss allowance to loans
0.75%Loss allowance to noncurrent loans
14.42%Noncurrent assets plus other real estate owned to assets
3.24%Noncurrent loans to loans
5.19%Net loans and leases to deposits
69.57%Net loans and leases to core deposits
79.44%Equity capital to assets
9.75%Core capital (leverage) ratio
9.65%Tier 1 risk-based capital ratio
13.30%Total risk-based capital ratio
Memoranda
$14Average assets
$109,292Average earning assets
$11,515Average equity
$104,838Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9242
Community Bank Of Snyder
1715 25th Street, Snyder, TX 79549
May 13, 1905
Full Service Brick and Mortar
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