Mineola Community Bank, S.S.B. in city_name, state_name - Detailed Financial Reports, Location

Mineola Community Bank, S.S.B. in Mineola, Texas (TX)
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Mineola Community Bank, S.S.B. routing number info

Mineola Community Bank, S.S.B. - Overview

General
FDIC Certificate #: 28868
Status: Active
Federal Reserve ID: 279
Bank Holding Company (Regulatory Top Holder): Mineola Community Mutual Holding Company (RSSDID: 3619720, Location: Mineola, TX)
Date Established: April 01, 1934
WWW: http://www.mineolacb.com
Trust Powers Granted: Yes
Bank Charter Class: Savings banks, state charter, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 2523
FDIC's unique #: 41702
Numeric code: 42
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: 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: Mortgage Lending Specialization
Date of Deposit Insurance: October 25, 1934
Last Structure Change Effective Date: June 04, 2009
Last Structure Change Process Date: June 10, 2009
Last Data Update: June 10, 2009
Data Source Date: April 05, 2012
Location
Address: 215 West Broad, Mineola, TX 75773
County: Wood
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
Change in Trust Powers
Financial Summary
Total assets: $145.3 mil
Equity capital: $24.3 mil
Deposits held in domestic offices: $106.1 mil
Return on assets (ROA): 0.73% ($1.1 mil)
Quarterly return on assets: 0.78% ($1.1 mil)
Return on Equity (ROE): 4.57% ($1.1 mil)
Quarterly return on equity: 4.73% ($1.1 mil)
Net income: $1.1 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.97% ($1,409.2 mil)
Quarterly Pretax return on assets: 1.13% ($1,641.7 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
39Total employees (full-time equivalent)
$145,281Total assets
$6,338Cash and due from depository institutions
$3,999Interest-bearing balances
$54,499Securities
$1,180Federal funds sold & reverse repurchase agreements
$73,840Net loans & leases
$497Loan loss allowance
$0Trading account assets
$6,193Bank premises and fixed assets
$0Other real estate owned
$44Goodwill and other intangibles
$145,281Life insurance assets
$3,187All other assets
$120,973Total liabilities and capital
$106,144Total liabilities
$99,644Total deposits
$106,144Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$14,332Trading liabilities
$0Other borrowed funds
$497Subordinated debt
$24,308All other liabilities
$24,308Total equity capital
$24,308Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$0Surplus
$24,307Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$124Income earned, not collected on loans
$0Earning assets
$756Long-term assets (5+ years)
$133,518Average Assets, year-to-date
$110,647Average Assets, quarterly
$149,310Volatile liabilities
$146,153Insider loans
$77,136FHLB advances
$140,272Loans and leases held for sale
$77Unused loan commitments
$77Tier 1 (core) risk-based capital
$23,784Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,682Restructured Loans and leases
$1,044Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,096Total interest income
$1,816Total interest expense
$5,280Net interest income
$49Provision for loan and lease losses
$962Total noninterest income
$4Fiduciary activities
$541Service charges on deposit accounts
$0Trading account gains & fees
$417Additional noninterest income
$4,610Total noninterest expense
$2,421Salaries and employee benefits
$624Premises and equipment expense
$1,565Additional noninterest expense
$1,583Pre-tax net operating income
-$134Securities gains (losses)
$362Applicable income taxes
$1,087Income before extraordinary items
$0Extraordinary gains - net
$1,087Net income attributable to bank
$0Net charge-offs
$1,087Cash dividends
$2Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.17%Yield on earning assets
1.32%Cost of funding earning assets
3.84%Net interest margin
0.70%Noninterest income to earning assets
3.36%Noninterest expense to earning assets
0.80%Net operating income to assets
0.73%Return on assets (ROA)
0.97%Pretax return on assets
4.57%Return on equity (ROE)
4.57%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
2450.00%Credit loss provision to net charge-offs
816.00%Efficiency ratio
73,855Assets per employee
3.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.67%Loss allowance to noncurrent loans
400.81%Noncurrent assets plus other real estate owned to assets
0.09%Noncurrent loans to loans
0.17%Net loans and leases to deposits
69.57%Net loans and leases to core deposits
70.96%Equity capital to assets
16.73%Core capital (leverage) ratio
16.96%Tier 1 risk-based capital ratio
30.83%Total risk-based capital ratio
Memoranda
$31Average assets
$149,310Average earning assets
$23,770Average equity
$137,385Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$823Managed Assets
1Number of Accounts
$135Personal trust and agency accounts
$135Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
12Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$688Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

4 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	41702	Mineola Community Bank, S.S.b.	215 West Broad, Mineola, TX 75773	April 01, 1934	Full Service Brick and Mortar
1	271204	202 West Frank Branch	415 W. Frank Street, Grand Saline, TX 75140	April 01, 1934	Full Service Brick and Mortar
2	271205	South Main Branch	500 South Main, Winnsboro, TX 75494	April 01, 1934	Full Service Brick and Mortar
101	271207	Brookshire Branch	1220 North Pacific, Mineola, TX 75773	September 15, 1999	Full Service Retail

Mineola Community Bank, S.S.B. in Mineola, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Mineola Community Bank, S.S.B. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Mineola Community Bank, S.S.B. in Mineola, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

Mineola Community Bank, S.S.B. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Mineola Community Bank, S.S.B. in Mineola, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches