Citizens National Bank at Brownwood in Brownwood, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Citizens National Bank at Brownwood in Brownwood, Texas (TX)
  • Show street view No street view available for this location
Citizens National Bank at Brownwood routing number info

Citizens National Bank at Brownwood - Overview

  • General
  • FDIC Certificate #: 14779
    Status: Active
    Federal Reserve ID: 233358
    Bank Holding Company (Regulatory Top Holder): Brownwood Bancshares, Inc. (RSSDID: 1103373, Location: Brownwood, TX)
    Date Established: September 28, 1934
    WWW: http://www.cnb-brownwood.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)
    OTS Docket #: 11971
    FDIC's unique #: 9244
    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: September 28, 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: 1 Carnegie, Brownwood, TX 76801
    County: Brown
    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
    Core Based Statistical Area (CBSA): Brownwood, TX (#15220)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $182.3 mil
    Equity capital: $22.6 mil
    Deposits held in domestic offices: $158.3 mil
    Return on assets (ROA): 1.95% ($3.5 mil)
    Quarterly return on assets: 1.20% ($2.2 mil)
    Return on Equity (ROE): 15.79% ($3.6 mil)
    Quarterly return on equity: 9.52% ($2.2 mil)
    Net income: $3.6 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.95% ($3,554.6 mil)
    Quarterly Pretax return on assets: 1.20% ($2,187.4 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
  • 46Total employees (full-time equivalent)
  • $182,286Total assets
  • $16,149Cash and due from depository institutions
  • $10,692Interest-bearing balances
  • $26,218Securities
  • $19,700Federal funds sold & reverse repurchase agreements
  • $112,455Net loans & leases
  • $1,770Loan loss allowance
  • $0Trading account assets
  • $1,625Bank premises and fixed assets
  • $0Other real estate owned
  • $360Goodwill and other intangibles
  • $182,286Life insurance assets
  • $5,779All other assets
  • $159,659Total liabilities and capital
  • $158,342Total liabilities
  • $104,905Total deposits
  • $158,342Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,317Subordinated debt
  • $22,627All other liabilities
  • $22,627Total equity capital
  • $22,627Total bank equity capital
  • $0Perpetual preferred stock
  • $560Common stock
  • $1,476Surplus
  • $20,591Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $473Income earned, not collected on loans
  • $81Earning assets
  • $708Long-term assets (5+ years)
  • $169,065Average Assets, year-to-date
  • $61,889Average Assets, quarterly
  • $183,302Volatile liabilities
  • $181,378Insider loans
  • $128,276FHLB advances
  • $178,991Loans and leases held for sale
  • $3,217Unused loan commitments
  • $2,936Tier 1 (core) risk-based capital
  • $21,835Tier 2 risk-based capital
  • $281Total risk weighted assets
  • $0Total unused commitments
  • $16,294Restructured Loans and leases
  • $3,184Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,769Total interest income
  • $628Total interest expense
  • $7,141Net interest income
  • $615Provision for loan and lease losses
  • $1,432Total noninterest income
  • $0Fiduciary activities
  • $903Service charges on deposit accounts
  • $0Trading account gains & fees
  • $529Additional noninterest income
  • $4,390Total noninterest expense
  • $2,347Salaries and employee benefits
  • $683Premises and equipment expense
  • $1,360Additional noninterest expense
  • $3,568Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • $3,569Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,569Net income attributable to bank
  • $0Net charge-offs
  • $3,569Cash dividends
  • $798Sale, conversion, retirement of capital stock, net
  • $2,513Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.59%Yield on earning assets
  • 0.37%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 2.59%Noninterest expense to earning assets
  • 1.95%Net operating income to assets
  • 1.95%Return on assets (ROA)
  • 1.95%Pretax return on assets
  • 15.79%Return on equity (ROE)
  • 4.67%Retained earnings to average equity (YTD only)
  • 0.69%Net charge-offs to loans
  • 77.07%Credit loss provision to net charge-offs
  • 5.24%Efficiency ratio
  • 51,207Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.41%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 374.21%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.41%Net loans and leases to deposits
  • 71.02%Net loans and leases to core deposits
  • 74.77%Equity capital to assets
  • 12.41%Core capital (leverage) ratio
  • 12.20%Tier 1 risk-based capital ratio
  • 17.02%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $183,302Average earning assets
  • $22,599Average equity
  • $169,357Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    09244Citizens National Bank At Brownwood1 Carnegie, Brownwood, TX 76801September 28, 1934Full Service Brick and Mortar
    1232093Brownwood Branch401 West Commerce, Brownwood, TX 76801Febuary 05, 1996Full Service Brick and Mortar

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Citizens National Bank at Brownwood.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents