FDIC Certificate #: 3287 Status: Inactive Closing history: Corrections Acquiring institution:Community National Bank (#23431) Federal Reserve ID: 749550 Date Established: May 07, 1912 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 2126 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: Febuary 19, 2010 Last Structure Change Process Date: Febuary 22, 2010 Last Data Update: Febuary 22, 2010 Data Source Date: April 05, 2012
Location
Address: 15996 S Front St, La Coste, TX 78039 County: Medina Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Austin Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700) CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
History of Changes
Absorption - Assisted
Corrections
Financial Summary
Total assets: $53.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
10Total employees (full-time equivalent)
$53,936Total assets
$2,032Cash and due from depository institutions
$0Interest-bearing balances
$23,791Securities
$4,000Federal funds sold & reverse repurchase agreements
$22,549Net loans & leases
$190Loan loss allowance
$0Trading account assets
$791Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$773All other assets
$53,936Total liabilities and capital
$49,707Total liabilities
$49,275Total deposits
$42,096Interest-bearing deposits
$49,275Deposits held in domestic offices
97.87%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$432All other liabilities
$4,229Total equity capital
$4,229Total bank equity capital
$4,229Perpetual preferred stock
$0Common stock
$400Surplus
$500Undivided profits
Memoranda
$3,329Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$68Earning assets
$0Long-term assets (5+ years)
$406Average Assets, year-to-date
$50,340Average Assets, quarterly
$27,827Volatile liabilities
$46,411Insider loans
$53,224FHLB advances
$21,716Loans and leases held for sale
$741Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$22Restructured Loans and leases
$190Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$2,310Total interest income
$1,069Total interest expense
$1,241Net interest income
$48Provision for loan and lease losses
$253Total noninterest income
$0Fiduciary activities
$230Service charges on deposit accounts
$0Trading account gains & fees
$23Additional noninterest income
$1,214Total noninterest expense
$516Salaries and employee benefits
$147Premises and equipment expense
$551Additional noninterest expense
$232Pre-tax net operating income
$21Securities gains (losses)
$44Applicable income taxes
$209Income before extraordinary items
$0Extraordinary gains - net
$209Net income attributable to bank
$0Net charge-offs
$209Cash dividends
$30Sale, conversion, retirement of capital stock, net
$160Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.45%Yield on earning assets
2.52%Cost of funding earning assets
2.93%Net interest margin
0.60%Noninterest income to earning assets
2.87%Noninterest expense to earning assets
0.41%Net operating income to assets
0.45%Return on assets (ROA)
0.55%Pretax return on assets
4.94%Return on equity (ROE)
1.16%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
160.00%Credit loss provision to net charge-offs
9.33%Efficiency ratio
81,258Assets per employee
5.39%Cash dividends to net income (YTD only)
Condition Ratios (%)
76.56%Loss allowance to loans
0.84%Loss allowance to noncurrent loans
279.41%Noncurrent assets plus other real estate owned to assets
0.13%Noncurrent loans to loans
0.30%Net loans and leases to deposits
45.76%Net loans and leases to core deposits
81.82%Equity capital to assets
7.84%Core capital (leverage) ratio
7.77%Tier 1 risk-based capital ratio
19.89%Total risk-based capital ratio
Memoranda
$21Average assets
$46,411Average earning assets
$4,232Average equity
$42,349Average loans
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