Central National Bank in city_name, state_name - Detailed Financial Reports, Location

Central National Bank in Waco, Texas (TX)
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Central National Bank - Overview

General
FDIC Certificate #: 22396
Status: Active
Federal Reserve ID: 428060
Bank Holding Company (Regulatory Top Holder): Centrabanc Corporation (RSSDID: 1106132, Location: Waco, TX)
Date Established: January 10, 1977
WWW: http://www.cnbwaco.com
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: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 11820
FDIC's unique #: 15597
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: Commercial Lending Specialization
Date of Deposit Insurance: January 10, 1977
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: 8320 West Highway 84, Waco, TX 76710
County: Mclennan
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
Metropolitan Statistical Area (MSA): Waco, TX (#8800)
Core Based Statistical Area (CBSA): Waco, TX (#47380)
CBSA Metro Statistical Area: Waco, TX (#47380)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $605.8 mil
Equity capital: $53.4 mil
Deposits held in domestic offices: $522.8 mil
Return on assets (ROA): 1.56% ($9.5 mil)
Quarterly return on assets: 1.60% ($9.7 mil)
Return on Equity (ROE): 18.05% ($9.6 mil)
Quarterly return on equity: 17.89% ($9.5 mil)
Net income: $9.3 mil
Quarterly Net income: $2.4 mil
Pretax return on assets: 1.56% ($9,450.3 mil)
Quarterly Pretax return on assets: 1.60% ($9,692.7 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
93Total employees (full-time equivalent)
$605,791Total assets
$85,101Cash and due from depository institutions
$75,182Interest-bearing balances
$89,600Securities
$902Federal funds sold & reverse repurchase agreements
$419,499Net loans & leases
$5,300Loan loss allowance
$0Trading account assets
$4,732Bank premises and fixed assets
$707Other real estate owned
$0Goodwill and other intangibles
$605,791Life insurance assets
$5,250All other assets
$552,428Total liabilities and capital
$522,772Total liabilities
$430,576Total deposits
$522,772Interest-bearing deposits
$74Deposits held in domestic offices
18246.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$9,434Trading liabilities
$0Other borrowed funds
$1,976Subordinated debt
$53,363All other liabilities
$53,363Total equity capital
$53,363Total bank equity capital
$0Perpetual preferred stock
$520Common stock
$9,439Surplus
$43,404Undivided profits
Memoranda
$0Noncurrent loans and leases
$2,919Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,763Income earned, not collected on loans
$0Earning assets
$1,785Long-term assets (5+ years)
$585,183Average Assets, year-to-date
$100,689Average Assets, quarterly
$595,368Volatile liabilities
$594,836Insider loans
$388,650FHLB advances
$587,959Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$51,287Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$74,786Restructured Loans and leases
$18,350Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$24,566Total interest income
$4,108Total interest expense
$20,458Net interest income
$902Provision for loan and lease losses
$1,773Total noninterest income
$0Fiduciary activities
$1,183Service charges on deposit accounts
$0Trading account gains & fees
$590Additional noninterest income
$12,056Total noninterest expense
$6,863Salaries and employee benefits
$1,637Premises and equipment expense
$3,556Additional noninterest expense
$9,273Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$9,273Income before extraordinary items
$0Extraordinary gains - net
$9,273Net income attributable to bank
$0Net charge-offs
$9,273Cash dividends
$917Sale, conversion, retirement of capital stock, net
$5,702Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.28%Yield on earning assets
0.72%Cost of funding earning assets
3.56%Net interest margin
0.31%Noninterest income to earning assets
2.10%Noninterest expense to earning assets
1.56%Net operating income to assets
1.56%Return on assets (ROA)
1.56%Pretax return on assets
18.05%Return on equity (ROE)
6.95%Retained earnings to average equity (YTD only)
0.22%Net charge-offs to loans
98.36%Credit loss provision to net charge-offs
11.10%Efficiency ratio
54,231Assets per employee
6.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
61.49%Loss allowance to loans
1.25%Loss allowance to noncurrent loans
191.82%Noncurrent assets plus other real estate owned to assets
0.57%Noncurrent loans to loans
0.65%Net loans and leases to deposits
80.25%Net loans and leases to core deposits
94.07%Equity capital to assets
8.81%Core capital (leverage) ratio
8.72%Tier 1 risk-based capital ratio
13.20%Total risk-based capital ratio
Memoranda
$14Average assets
$595,368Average earning assets
$51,364Average equity
$574,020Average loans

List of branches

4 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	15597	Central National Bank	8320 West Highway 84, Waco, TX 76710	January 10, 1977	Full Service Brick and Mortar
1	254506	Central Tower Branch	5400 Bosque Boulevard, Waco, TX 76710	March 15, 1993	Full Service Brick and Mortar
2	254507	Temple Branch	938 Canyon Creek, Temple, TX 76502	September 02, 1998	Full Service Brick and Mortar
3	362519	Georgetown Branch	1103-A Williams Drive, Georgetown, TX 78628	October 22, 2001	Full Service Brick and Mortar

Central National Bank in Waco, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Central National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Central National Bank in Waco, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

Central National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Central National Bank in Waco, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches