Community Bank & Trust, Waco, Texas in city_name, state_name

Community Bank & Trust, Waco, Texas in Waco, Texas (TX)
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Community Bank & Trust, Waco, Texas routing number info

Community Bank & Trust, Waco, Texas - Overview

General
FDIC Certificate #: 17108
Status: Active
Federal Reserve ID: 549862
Bank Holding Company (Regulatory Top Holder): Community Company, The (RSSDID: 1102200, Location: Waco, TX)
Date Established: May 14, 1952
WWW: http://www.cbtwaco.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 11153
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: May 14, 1952
Last Structure Change Effective Date: March 06, 2007
Last Structure Change Process Date: March 21, 2007
Last Data Update: March 21, 2007
Data Source Date: April 05, 2012
Location
Address: 1800 Washington Avenue, Waco, TX 76701
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
Change in Location
Financial Summary
Total assets: $407.8 mil
Equity capital: $44.8 mil
Deposits held in domestic offices: $362.6 mil
Return on assets (ROA): 1.09% ($4.4 mil)
Quarterly return on assets: 0.97% ($4.0 mil)
Return on Equity (ROE): 10.26% ($4.6 mil)
Quarterly return on equity: 8.87% ($4.0 mil)
Net income: $4.4 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 1.49% ($6,075.6 mil)
Quarterly Pretax return on assets: 1.30% ($5,300.8 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
103Total employees (full-time equivalent)
$407,757Total assets
$8,123Cash and due from depository institutions
$613Interest-bearing balances
$95,171Securities
$8,560Federal funds sold & reverse repurchase agreements
$287,438Net loans & leases
$4,599Loan loss allowance
$0Trading account assets
$4,174Bank premises and fixed assets
$373Other real estate owned
$0Goodwill and other intangibles
$407,757Life insurance assets
$3,918All other assets
$362,921Total liabilities and capital
$362,618Total liabilities
$294,642Total deposits
$362,618Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$303Subordinated debt
$44,836All other liabilities
$44,836Total equity capital
$44,836Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$29,000Surplus
$14,836Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,207Income earned, not collected on loans
$0Earning assets
$1,804Long-term assets (5+ years)
$391,782Average Assets, year-to-date
$104,285Average Assets, quarterly
$401,247Volatile liabilities
$406,466Insider loans
$285,778FHLB advances
$405,841Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$43,633Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$41,099Restructured Loans and leases
$6,809Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$20,719Total interest income
$4,340Total interest expense
$16,379Net interest income
$2,400Provision for loan and lease losses
$4,058Total noninterest income
$2,429Fiduciary activities
$1,219Service charges on deposit accounts
$0Trading account gains & fees
$410Additional noninterest income
$12,069Total noninterest expense
$7,289Salaries and employee benefits
$1,228Premises and equipment expense
$3,552Additional noninterest expense
$5,968Pre-tax net operating income
$3Securities gains (losses)
$1,597Applicable income taxes
$4,374Income before extraordinary items
$0Extraordinary gains - net
$4,374Net income attributable to bank
$0Net charge-offs
$4,374Cash dividends
$1,839Sale, conversion, retirement of capital stock, net
$234Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.37%Yield on earning assets
1.13%Cost of funding earning assets
4.25%Net interest margin
1.05%Noninterest income to earning assets
3.13%Noninterest expense to earning assets
1.09%Net operating income to assets
1.09%Return on assets (ROA)
1.49%Pretax return on assets
10.26%Return on equity (ROE)
9.71%Retained earnings to average equity (YTD only)
0.62%Net charge-offs to loans
130.51%Credit loss provision to net charge-offs
4.55%Efficiency ratio
59,055Assets per employee
3.96%Cash dividends to net income (YTD only)
Condition Ratios (%)
5.35%Loss allowance to loans
1.57%Loss allowance to noncurrent loans
381.03%Noncurrent assets plus other real estate owned to assets
0.39%Noncurrent loans to loans
0.41%Net loans and leases to deposits
79.27%Net loans and leases to core deposits
87.58%Equity capital to assets
11.00%Core capital (leverage) ratio
10.75%Tier 1 risk-based capital ratio
15.27%Total risk-based capital ratio
Memoranda
$17Average assets
$401,247Average earning assets
$42,641Average equity
$385,668Average 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
$370,853Managed Assets
1Number of Accounts
$319,846Personal trust and agency accounts
$244,198Employee benefit-defined contribution accounts
$11,268Employee benefit-defined benefit accounts
$0Other retirement accounts
$21,982Corporate trust and agency accounts
$0Investment management agency accounts
$42,398Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
935Number of Accounts
$0Personal trust and agency accounts
$21,776Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$51,007Other retirement accounts
$30,158Corporate trust and agency accounts
$5,838Other fiduciary accounts
$14,602Fiduciary accounts held in foreign offices

List of branches

3 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	11153	Community Bank & Trust, Waco, Texas	1800 Washington Avenue, Waco, TX 76701	May 14, 1952	Full Service Brick and Mortar
2	240560	Waco Branch	1409 Wooded Acres, Waco, TX 76710	August 21, 1989	Full Service Brick and Mortar
3	240561	Chapel Road Branch	8820 Chapel Road, Waco, TX 76712	July 10, 1995	Full Service Brick and Mortar

Community Bank & Trust, Waco, Texas in Waco, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank & Trust, Waco, Texas - 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:

Community Bank & Trust, Waco, Texas in Waco, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank & Trust, Waco, Texas - 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:

Community Bank & Trust, Waco, Texas in Waco, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches