The City National Bank of Colorado City - Overview
General
FDIC Certificate #: 3144 Status: Active Federal Reserve ID: 799854 Bank Holding Company (Regulatory Top Holder): City National Bancshares, Inc. (RSSDID: 2215451, Location: Colorado City, TX) Date Established: January 01, 1900 WWW:http://www.cnbccity.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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 2014 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 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: 228 Elm Street, Colorado City, TX 79512 County: Mitchell 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
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $109.8 mil Equity capital: $8.9 mil Deposits held in domestic offices: $100.8 mil Return on assets (ROA): 1.48% ($1.6 mil) Quarterly return on assets: 1.46% ($1.6 mil) Return on Equity (ROE): 17.44% ($1.6 mil) Quarterly return on equity: 17.06% ($1.5 mil) Net income: $1.5 mil Quarterly Net income: $0.4 mil Pretax return on assets: 1.48% ($1,625.7 mil) Quarterly Pretax return on assets: 1.46% ($1,603.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
25Total employees (full-time equivalent)
$109,843Total assets
$4,412Cash and due from depository institutions
$179Interest-bearing balances
$68,597Securities
$0Federal funds sold & reverse repurchase agreements
$34,572Net loans & leases
$466Loan loss allowance
$0Trading account assets
$1,140Bank premises and fixed assets
$107Other real estate owned
$0Goodwill and other intangibles
$109,843Life insurance assets
$1,015All other assets
$100,920Total liabilities and capital
$100,815Total liabilities
$84,710Total deposits
$100,815Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$105Subordinated debt
$8,923All other liabilities
$8,923Total equity capital
$8,923Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$500Surplus
$8,173Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$23Income earned, not collected on loans
$0Earning assets
$670Long-term assets (5+ years)
$103,348Average Assets, year-to-date
$70,072Average Assets, quarterly
$100,521Volatile liabilities
$108,606Insider loans
$50,266FHLB advances
$109,895Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,378Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,819Restructured Loans and leases
$492Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,703Total interest income
$963Total interest expense
$2,740Net interest income
$80Provision for loan and lease losses
$897Total noninterest income
$192Fiduciary activities
$516Service charges on deposit accounts
$0Trading account gains & fees
$189Additional noninterest income
$2,314Total noninterest expense
$1,162Salaries and employee benefits
$210Premises and equipment expense
$942Additional noninterest expense
$1,243Pre-tax net operating income
$242Securities gains (losses)
$0Applicable income taxes
$1,485Income before extraordinary items
$0Extraordinary gains - net
$1,485Net income attributable to bank
$0Net charge-offs
$1,485Cash dividends
-$11Sale, conversion, retirement of capital stock, net
$1,345Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.92%Yield on earning assets
1.02%Cost of funding earning assets
2.90%Net interest margin
0.95%Noninterest income to earning assets
2.45%Noninterest expense to earning assets
1.24%Net operating income to assets
1.48%Return on assets (ROA)
1.48%Pretax return on assets
17.44%Return on equity (ROE)
1.64%Retained earnings to average equity (YTD only)
-0.03%Net charge-offs to loans
-727.27%Credit loss provision to net charge-offs
0.00%Efficiency ratio
63,624Assets per employee
4.39%Cash dividends to net income (YTD only)
Condition Ratios (%)
90.57%Loss allowance to loans
1.33%Loss allowance to noncurrent loans
2026.09%Noncurrent assets plus other real estate owned to assets
0.12%Noncurrent loans to loans
0.07%Net loans and leases to deposits
34.29%Net loans and leases to core deposits
35.57%Equity capital to assets
8.12%Core capital (leverage) ratio
7.62%Tier 1 risk-based capital ratio
16.67%Total risk-based capital ratio
Memoranda
$18Average assets
$100,521Average earning assets
$8,514Average equity
$94,478Average 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
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