Commercial State Bank of El Campo in El Campo, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Commercial State Bank of El Campo - Overview

  • General
  • FDIC Certificate #: 2409
    Status: Active
    Federal Reserve ID: 662659
    Bank Holding Company (Regulatory Top Holder): Commercial Bancshares, Inc. (RSSDID: 4211402, Location: Humble, TX)
    Date Established: January 01, 1921
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 1586
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending 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: 401 North Mechanic Street, El Campo, TX 77437
    County: Wharton
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): El Campo, TX (#20900)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $179.0 mil
    Equity capital: $22.3 mil
    Deposits held in domestic offices: $156.3 mil
    Return on assets (ROA): 0.10% ($0.2 mil)
    Quarterly return on assets: -2.64% (-$4.7 mil)
    Return on Equity (ROE): 0.71% ($0.2 mil)
    Quarterly return on equity: -19.76% (-$4.3 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$1.1 mil
    Pretax return on assets: -0.47% (-$841.5 mil)
    Quarterly Pretax return on assets: -2.64% (-$4,726.5 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
  • 47Total employees (full-time equivalent)
  • $179,033Total assets
  • $50,691Cash and due from depository institutions
  • $44,948Interest-bearing balances
  • $37,418Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $84,287Net loans & leases
  • $1,791Loan loss allowance
  • $0Trading account assets
  • $1,390Bank premises and fixed assets
  • $181Other real estate owned
  • $0Goodwill and other intangibles
  • $179,033Life insurance assets
  • $5,066All other assets
  • $156,695Total liabilities and capital
  • $156,302Total liabilities
  • $103,918Total deposits
  • $156,302Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $393Subordinated debt
  • $22,338All other liabilities
  • $22,338Total equity capital
  • $22,338Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $17,137Surplus
  • $4,001Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $466Income earned, not collected on loans
  • $0Earning assets
  • $546Long-term assets (5+ years)
  • $166,653Average Assets, year-to-date
  • $17,747Average Assets, quarterly
  • $143,927Volatile liabilities
  • $171,436Insider loans
  • $91,455FHLB advances
  • $170,546Loans and leases held for sale
  • $2,833Unused loan commitments
  • $2,833Tier 1 (core) risk-based capital
  • $21,249Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $31,609Restructured Loans and leases
  • $2,500Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,276Total interest income
  • $581Total interest expense
  • $4,695Net interest income
  • $750Provision for loan and lease losses
  • $664Total noninterest income
  • $0Fiduciary activities
  • $345Service charges on deposit accounts
  • $0Trading account gains & fees
  • $319Additional noninterest income
  • $5,281Total noninterest expense
  • $2,574Salaries and employee benefits
  • $739Premises and equipment expense
  • $1,968Additional noninterest expense
  • -$672Pre-tax net operating income
  • $0Securities gains (losses)
  • -$821Applicable income taxes
  • $149Income before extraordinary items
  • $0Extraordinary gains - net
  • $149Net income attributable to bank
  • $0Net charge-offs
  • $149Cash dividends
  • $898Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.93%Yield on earning assets
  • 0.43%Cost of funding earning assets
  • 3.50%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 3.93%Noninterest expense to earning assets
  • 0.10%Net operating income to assets
  • 0.10%Return on assets (ROA)
  • -0.47%Pretax return on assets
  • 0.71%Return on equity (ROE)
  • 0.71%Retained earnings to average equity (YTD only)
  • 1.34%Net charge-offs to loans
  • 83.52%Credit loss provision to net charge-offs
  • 0.09%Efficiency ratio
  • 98,545Assets per employee
  • 3.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.08%Loss allowance to noncurrent loans
  • 384.33%Noncurrent assets plus other real estate owned to assets
  • 0.36%Noncurrent loans to loans
  • 0.54%Net loans and leases to deposits
  • 53.93%Net loans and leases to core deposits
  • 55.92%Equity capital to assets
  • 12.48%Core capital (leverage) ratio
  • 12.46%Tier 1 risk-based capital ratio
  • 23.23%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $143,927Average earning assets
  • $20,959Average equity
  • $134,226Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01586Commercial State Bank Of El Campo401 North Mechanic Street, El Campo, TX 77437January 01, 1921Full Service Brick and Mortar
    2466642Commercial State Bank Fulshear Branc29818 Fm 1093 Suite 100, Fulshear, TX 77441November 01, 2006Full Service Brick and Mortar
    3520828Commercial State Bank Humble10203 Birchridge, Suite 100, Humble, TX 77338June 09, 2011Full Service Brick and Mortar

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