Incommons Bank, N.A. in Mexia, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Incommons Bank, N.A. - Overview

  • General
  • FDIC Certificate #: 3342
    Status: Active
    Federal Reserve ID: 414858
    Bank Holding Company (Regulatory Top Holder): Bi-Stone Bancshares, Inc. (RSSDID: 2227481, Location: Mexia, TX)
    Date Established: Febuary 01, 1882
    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: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 2163
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2008
    Last Structure Change Process Date: May 05, 2008
    Last Data Update: May 05, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 East Commerce Street, Mexia, TX 76667
    County: Limestone
    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
  • Name Change
  • Financial Summary
  • Total assets: $97.3 mil
    Equity capital: $10.3 mil
    Deposits held in domestic offices: $84.7 mil
    Return on assets (ROA): 0.84% ($0.8 mil)
    Quarterly return on assets: 0.82% ($0.8 mil)
    Return on Equity (ROE): 8.37% ($0.8 mil)
    Quarterly return on equity: 7.78% ($0.8 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.08% ($1,051.3 mil)
    Quarterly Pretax return on assets: 1.06% ($1,031.9 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, 2011)

  • Dollar figures in thousands
  • 44Total employees (full-time equivalent)
  • $97,346Total assets
  • $5,989Cash and due from depository institutions
  • $2,240Interest-bearing balances
  • $19,026Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $65,283Net loans & leases
  • $1,005Loan loss allowance
  • $0Trading account assets
  • $5,714Bank premises and fixed assets
  • $264Other real estate owned
  • $69Goodwill and other intangibles
  • $97,346Life insurance assets
  • $1,001All other assets
  • $87,060Total liabilities and capital
  • $84,706Total liabilities
  • $63,182Total deposits
  • $84,706Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,764Trading liabilities
  • $0Other borrowed funds
  • $590Subordinated debt
  • $10,286All other liabilities
  • $10,286Total equity capital
  • $10,286Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $3,756Surplus
  • $6,330Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $105Income earned, not collected on loans
  • $0Earning assets
  • $447Long-term assets (5+ years)
  • $86,549Average Assets, year-to-date
  • $43,056Average Assets, quarterly
  • $98,688Volatile liabilities
  • $97,680Insider loans
  • $62,496FHLB advances
  • $96,180Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,858Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,808Restructured Loans and leases
  • $663Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,131Total interest income
  • $742Total interest expense
  • $4,389Net interest income
  • $14Provision for loan and lease losses
  • $1,122Total noninterest income
  • $0Fiduciary activities
  • $863Service charges on deposit accounts
  • $0Trading account gains & fees
  • $259Additional noninterest income
  • $4,474Total noninterest expense
  • $2,270Salaries and employee benefits
  • $691Premises and equipment expense
  • $1,513Additional noninterest expense
  • $1,023Pre-tax net operating income
  • $40Securities gains (losses)
  • $235Applicable income taxes
  • $828Income before extraordinary items
  • $0Extraordinary gains - net
  • $828Net income attributable to bank
  • $0Net charge-offs
  • $828Cash dividends
  • $38Sale, conversion, retirement of capital stock, net
  • $270Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.90%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 5.04%Net interest margin
  • 1.29%Noninterest income to earning assets
  • 5.14%Noninterest expense to earning assets
  • 0.81%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 8.37%Return on equity (ROE)
  • 5.64%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 36.84%Credit loss provision to net charge-offs
  • 27.29%Efficiency ratio
  • 80,784Assets per employee
  • 2.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.61%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 957.14%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.16%Net loans and leases to deposits
  • 77.07%Net loans and leases to core deposits
  • 79.45%Equity capital to assets
  • 10.57%Core capital (leverage) ratio
  • 10.25%Tier 1 risk-based capital ratio
  • 15.77%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $98,688Average earning assets
  • $9,895Average equity
  • $87,021Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02163Incommons Bank, N.A.301 East Commerce Street, Mexia, TX 76667Febuary 01, 1882Full Service Brick and Mortar
    3196362Fairfield Branch415 West Commerce, Fairfield, TX 75840June 14, 1999Full Service Brick and Mortar
    4196102Coolidge Branch123 Bell Street, Coolidge, TX 76635January 08, 1996Full Service Brick and Mortar
    5492968Waco Branch5400 Crosslake Parkway, Waco, TX 76712May 04, 2009Full Service Brick and Mortar

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