Community National Bank & Trust of Texas

Community National Bank & Trust of Texas is headquartered in Corsicana and is the 139^th largest bank in the state of Texas. It is also the 1,838^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 108 employees at 7 locations. Community National Bank & Trust of Texas has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Community National Bank & Trust of Texas FDIC Certificate # 18185 BankRate Report View Year Established 1934 Employees 108 Primary Regulator OCC Assets and Liabilities Assets $361.24 million Loans $216.24 million Deposits $304.60 million Equity Capital $51.16 million Loan Loss Allowance $3.82 million Unbacked Noncurrent Loans $379,000 Historic Data - March 2011 Assets $358.43 million Equity Capital $47.01 million Loan Loss Allowance $3.62 million Unbacked Noncurrent Loans $1.62 million Real Estate Owned $116,000 Profit Margin - Quarterly Net Interest Margin 4.82% Return on Assets 1.66% Return on Equity 11.75% Interest Income $4.27 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Community National Bank & Trust of Texas had $379,000 in non-current loans and owned real-estate with $54.98 million in equity and loan loss allowances on hand to cover it. This gives Community National Bank & Trust of Texas a Texas Ratio of 0.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community National Bank & Trust of Texas decreased significantly from 3.44% as of March 31, 2011 to 0.69% as of March 31, 2012, resulting in a positive change of 79.93%.This indicates that the balance sheet and financial strength for Community National Bank & Trust of Texas has improved significantly in recent periods. Deposit Growth In the past year, Community National Bank & Trust of Texas has decreased its total deposits by -$1.45 million, resulting in -0.48% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community National Bank & Trust of Texas has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community National Bank & Trust of Texas has $361.24 million in assets with $54.98 million in equity, resulting in a capitalization level of 15.22%, which is excellent.

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