Community National Bank (TX)

Community National Bank (TX) is headquartered in Hondo and is the 283^rd largest bank in the state of Texas. It is also the 3,549^th largest bank in the nation. It was established in 1981 and as of March of 2012, it had grown to 51 employees at 4 locations. Community National Bank (TX) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Community National Bank FDIC Certificate # 23431 BankRate Report View Year Established 1981 Employees 51 Primary Regulator OCC Assets and Liabilities Assets $168.98 million Loans $92.22 million Deposits $148.98 million Equity Capital $17.95 million Loan Loss Allowance $2.00 million Unbacked Noncurrent Loans $539,000 Real Estate Owned $1.35 million Historic Data - March 2011 Assets $161.94 million Equity Capital $14.43 million Loan Loss Allowance $1.90 million Unbacked Noncurrent Loans $1.51 million Real Estate Owned $1.96 million Profit Margin - Quarterly Net Interest Margin 4.52% Return on Assets 1.08% Return on Equity 10.24% Interest Income $1.94 million

Institution Health Overall Score: 4 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 (TX) had $1.89 million in non-current loans and owned real-estate with $19.95 million in equity and loan loss allowances on hand to cover it. This gives Community National Bank (TX) a Texas Ratio of 9.47% which is above average. 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 (TX) decreased significantly from 16.84% as of March 31, 2011 to 9.47% as of March 31, 2012, resulting in a positive change of 43.78%.This indicates that the balance sheet and financial strength for Community National Bank (TX) has improved significantly in recent periods. Deposit Growth In the past year, Community National Bank (TX) has increased its total deposits by $3.77 million, resulting in 2.6% 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 (TX) has shown is above 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 (TX) has $168.98 million in assets with $19.95 million in equity, resulting in a capitalization level of 11.81%, which is above average.

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