FDIC Certificate #: 5518 Status: Active Federal Reserve ID: 714165 Bank Holding Company (Regulatory Top Holder): Cnb National Financial Corporation (RSSDID: 1110205, Location: San Saba, TX) Date Established: January 01, 1883 WWW:http://www.cnbss.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: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 3747 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization 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: 209 East Brown Street, San Saba, TX 76877 County: San Saba 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $52.2 mil Equity capital: $8.2 mil Deposits held in domestic offices: $43.9 mil Return on assets (ROA): 0.41% ($0.2 mil) Quarterly return on assets: -0.07% (-$0.0 mil) Return on Equity (ROE): 2.64% ($0.2 mil) Quarterly return on equity: -0.43% (-$0.0 mil) Net income: $0.2 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.41% ($214.2 mil) Quarterly Pretax return on assets: -0.07% (-$36.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
16Total employees (full-time equivalent)
$52,241Total assets
$13,875Cash and due from depository institutions
$2,591Interest-bearing balances
$25,986Securities
$0Federal funds sold & reverse repurchase agreements
$9,978Net loans & leases
$261Loan loss allowance
$0Trading account assets
$381Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$52,241Life insurance assets
$2,021All other assets
$44,052Total liabilities and capital
$43,922Total liabilities
$33,567Total deposits
$43,922Interest-bearing deposits
$79Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$130Subordinated debt
$8,189All other liabilities
$8,189Total equity capital
$8,189Total bank equity capital
$0Perpetual preferred stock
$480Common stock
$480Surplus
$7,229Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$650Income earned, not collected on loans
$0Earning assets
$356Long-term assets (5+ years)
$38,555Average Assets, year-to-date
$14,168Average Assets, quarterly
$53,208Volatile liabilities
$52,374Insider loans
$22,268FHLB advances
$52,763Loans and leases held for sale
$1,532Unused loan commitments
$1,020Tier 1 (core) risk-based capital
$7,943Tier 2 risk-based capital
$0Total risk weighted assets
$512Total unused commitments
$412Restructured Loans and leases
$277Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,497Total interest income
$113Total interest expense
$1,384Net interest income
$9Provision for loan and lease losses
$224Total noninterest income
$0Fiduciary activities
$157Service charges on deposit accounts
$0Trading account gains & fees
$67Additional noninterest income
$1,383Total noninterest expense
$771Salaries and employee benefits
$145Premises and equipment expense
$467Additional noninterest expense
$216Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$216Income before extraordinary items
$0Extraordinary gains - net
$216Net income attributable to bank
$0Net charge-offs
$216Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$109Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.70%Yield on earning assets
0.28%Cost of funding earning assets
3.42%Net interest margin
0.55%Noninterest income to earning assets
3.42%Noninterest expense to earning assets
0.41%Net operating income to assets
0.41%Return on assets (ROA)
0.41%Pretax return on assets
2.64%Return on equity (ROE)
1.31%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-900.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
86,007Assets per employee
3.27%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.46%Loss allowance to loans
2.55%Loss allowance to noncurrent loans
40.15%Noncurrent assets plus other real estate owned to assets
1.24%Noncurrent loans to loans
6.35%Net loans and leases to deposits
22.72%Net loans and leases to core deposits
22.92%Equity capital to assets
15.68%Core capital (leverage) ratio
15.05%Tier 1 risk-based capital ratio
35.67%Total risk-based capital ratio
Memoranda
$37Average assets
$53,208Average earning assets
$8,188Average equity
$40,432Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
3747
The City National Bank Of San Saba
209 East Brown Street, San Saba, TX 76877
January 01, 1883
Full Service Brick and Mortar
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