Commercial Bank of Texas, National Association in city_name, state_name

Commercial Bank of Texas, National Association in Nacogdoches, Texas (TX)
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Commercial Bank of Texas, National Association routing number info

Commercial Bank of Texas, National Association - Overview

General
FDIC Certificate #: 1209
Status: Active
Federal Reserve ID: 885869
Bank Holding Company (Regulatory Top Holder): Nacogdoches Commercial Bancshares, Inc. (RSSDID: 1107595, Location: Nacogdoches, TX)
Date Established: October 14, 1901
WWW: http://www.cbtx.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: 16 (Domestic: 16, Interstate: No)
OTS Docket #: 11054
FDIC's unique #: 828
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: No
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: April 30, 2011
Last Structure Change Process Date: May 10, 2011
Last Data Update: May 10, 2011
Data Source Date: April 05, 2012
Location
Address: 215 East Main Street, Nacogdoches, TX 75961
County: Nacogdoches
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Houston
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Nacogdoches, TX (#34860)
CBSA Micro Statistical Area: Yes
History of Changes
Office Purchased
Financial Summary
Total assets: $451.4 mil
Equity capital: $44.9 mil
Deposits held in domestic offices: $391.3 mil
Return on assets (ROA): 1.01% ($4.6 mil)
Quarterly return on assets: 1.41% ($6.4 mil)
Return on Equity (ROE): 10.44% ($4.7 mil)
Quarterly return on equity: 14.61% ($6.6 mil)
Net income: $4.4 mil
Quarterly Net income: $1.6 mil
Pretax return on assets: 1.26% ($5,687.4 mil)
Quarterly Pretax return on assets: 1.35% ($6,093.7 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
151Total employees (full-time equivalent)
$451,384Total assets
$20,567Cash and due from depository institutions
$8,879Interest-bearing balances
$222,037Securities
$0Federal funds sold & reverse repurchase agreements
$177,436Net loans & leases
$2,637Loan loss allowance
$3,716Trading account assets
$5,984Bank premises and fixed assets
$3,065Other real estate owned
$4,663Goodwill and other intangibles
$451,384Life insurance assets
$13,916All other assets
$406,515Total liabilities and capital
$391,284Total liabilities
$295,840Total deposits
$391,284Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$10,139Trading liabilities
$0Other borrowed funds
$5,092Subordinated debt
$44,869All other liabilities
$44,869Total equity capital
$44,869Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$18,320Surplus
$25,549Undivided profits
Memoranda
$0Noncurrent loans and leases
$948Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,579Income earned, not collected on loans
$726Earning assets
$1,952Long-term assets (5+ years)
$412,068Average Assets, year-to-date
$105,176Average Assets, quarterly
$440,402Volatile liabilities
$460,393Insider loans
$214,324FHLB advances
$450,061Loans and leases held for sale
$7,968Unused loan commitments
$7,578Tier 1 (core) risk-based capital
$36,886Tier 2 risk-based capital
$390Total risk weighted assets
$0Total unused commitments
$22,129Restructured Loans and leases
$2,595Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$17,218Total interest income
$3,436Total interest expense
$13,782Net interest income
$285Provision for loan and lease losses
$7,593Total noninterest income
$378Fiduciary activities
$3,504Service charges on deposit accounts
$92Trading account gains & fees
$3,619Additional noninterest income
$15,522Total noninterest expense
$8,642Salaries and employee benefits
$2,287Premises and equipment expense
$4,593Additional noninterest expense
$5,568Pre-tax net operating income
$0Securities gains (losses)
$1,140Applicable income taxes
$4,428Income before extraordinary items
$0Extraordinary gains - net
$4,428Net income attributable to bank
$0Net charge-offs
$4,428Cash dividends
$397Sale, conversion, retirement of capital stock, net
$1,749Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.25%Yield on earning assets
0.85%Cost of funding earning assets
3.40%Net interest margin
1.87%Noninterest income to earning assets
3.83%Noninterest expense to earning assets
1.01%Net operating income to assets
1.01%Return on assets (ROA)
1.26%Pretax return on assets
10.44%Return on equity (ROE)
6.32%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
71.79%Credit loss provision to net charge-offs
14.74%Efficiency ratio
72,178Assets per employee
2.99%Cash dividends to net income (YTD only)
Condition Ratios (%)
39.50%Loss allowance to loans
1.46%Loss allowance to noncurrent loans
167.00%Noncurrent assets plus other real estate owned to assets
1.03%Noncurrent loans to loans
0.88%Net loans and leases to deposits
45.35%Net loans and leases to core deposits
48.03%Equity capital to assets
9.94%Core capital (leverage) ratio
8.20%Tier 1 risk-based capital ratio
17.21%Total risk-based capital ratio
Memoranda
$18Average assets
$440,402Average earning assets
$42,397Average equity
$405,573Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$60,175Managed Assets
1Number of Accounts
$37,034Personal trust and agency accounts
$29,179Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$2,601Corporate trust and agency accounts
$116Investment management agency accounts
$3,114Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$2,024Non-managed Assets
190Number of Accounts
$0Personal trust and agency accounts
$2,434Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$23,141Other retirement accounts
$19,672Corporate trust and agency accounts
$704Other fiduciary accounts
$569Fiduciary accounts held in foreign offices

List of branches

16 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	828	Commercial Bank Of Texas, National Association	215 East Main Street, Nacogdoches, TX 75961	October 14, 1901	Full Service Brick and Mortar
1	187994	Drive-In Facility	805 South Street, Nacogdoches, TX 75964	Febuary 07, 1979	Limited Service Facility
4	187995	North Street Branch	4810 North Street, Nacogdoches, TX 75965	August 01, 1996	Full Service Retail
5	187996	Mobile Branch	215 East Main, Nacogdoches, TX 75961	June 02, 1997	Limited Service Mobile
7	272299	Diboll Branch	501 N Temple, Diboll, TX 75941	July 01, 1934	Full Service Brick and Mortar
8	272301	Gaslight Branch	1873 W Frank Ave, Lufkin, TX 75904	July 01, 1934	Full Service Brick and Mortar
9	187997	Tulane Branch	1901 Tulane, Lufkin, TX 75901	January 30, 1998	Full Service Brick and Mortar
10	5758	Wells Branch	U.S. Highway 69, Wells, TX 75976	January 01, 1913	Full Service Brick and Mortar
12	7112	Kennard Branch	Main And Broadway, Kennard, TX 75847	January 01, 1913	Full Service Brick and Mortar
13	2166	South First Street Branch	600 South First Street, Lufkin, TX 75901	January 01, 1933	Full Service Brick and Mortar
14	430147	James Starr Banking Center Branch	1629 North University, Nacogdoches, TX 75961	June 15, 2004	Full Service Brick and Mortar
15	442554	Lufkin South Branch	2500 Daniel Mccall Drive, Lufkin, TX 75904	September 20, 2004	Full Service Retail
18	465568	Stephen F Austin State University Br	222 Vista Blvd, Nacogdoches, TX 75962	June 07, 2007	Full Service Retail
19	465569	Collin County Banking Center	721 Central Expressway South, Allen, TX 75013	October 10, 2006	Full Service Retail
20	289695	Bedford Branch	1716 Forest Ridge, Bedford, TX 76022	August 03, 1992	Full Service Brick and Mortar
21	362232	Lewisville Branch	191 W. Main, Lewisville, TX 75067	December 16, 2000	Full Service Brick and Mortar

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

Commercial Bank of Texas, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

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

Commercial Bank of Texas, National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

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