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



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Mineola Community Bank, S.S.B. routing number info

Table of contents:
Mineola Community Bank, S.S.B.
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Trust Powers
Financial SummaryTotal 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)
Total employees (full-time equivalent)39
Total assets$145,281
Cash and due from depository institutions$6,338
Interest-bearing balances$3,999
Securities$54,499
Federal funds sold & reverse repurchase agreements$1,180
Net loans & leases$73,840
Loan loss allowance $497
Trading account assets$0
Bank premises and fixed assets$6,193
Other real estate owned$0
Goodwill and other intangibles$44
All other assets$3,187
Life insurance assets$145,281
Total liabilities and capital$120,973
Total liabilities$106,144
Total deposits$99,644
Interest-bearing deposits$106,144
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$14,332
Other borrowed funds $0
Subordinated debt $497
All other liabilities $24,308
Total equity capital$24,308
Total bank equity capital$24,308
Perpetual preferred stock$0
Common stock$1
Surplus$0
Undivided profits $24,307
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $124
Earning assets $0
Long-term assets (5+ years) $756
Average Assets, year-to-date $133,518
Average Assets, quarterly $110,647
Volatile liabilities $149,310
Insider loans $146,153
FHLB advances $77,136
Loans and leases held for sale $140,272
Unused loan commitments $77
Tier 1 (core) risk-based capital $77
Tier 2 risk-based capital $23,784
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,682
Derivatives$1,044
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,096
Total interest expense $1,816
Net interest income $5,280
Provision for loan and lease losses $49
Total noninterest income $962
Fiduciary activities $4
Service charges on deposit accounts $541
Trading account gains & fees $0
Additional noninterest income $417
Total noninterest expense $4,610
Salaries and employee benefits $2,421
Premises and equipment expense $624
Additional noninterest expense $1,565
Pre-tax net operating income $1,583
Securities gains (losses) -$134
Applicable income taxes $362
Income before extraordinary items $1,087
Extraordinary gains - net $0
Net income attributable to bank $1,087
Net charge-offs $0
Cash dividends $1,087
Sale, conversion, retirement of capital stock, net $2
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.17%
Cost of funding earning assets 1.32%
Net interest margin 3.84%
Noninterest income to earning assets 0.70%
Noninterest expense to earning assets 3.36%
Net operating income to assets 0.80%
Return on assets (ROA) 0.73%
Pretax return on assets 0.97%
Return on equity (ROE) 4.57%
Retained earnings to average equity (YTD only) 4.57%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 2450.00%
Efficiency ratio816.00%
Assets per employee$73,855
Cash dividends to net income (YTD only)3.73%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.67%
Noncurrent assets plus other real estate owned to assets 400.81%
Noncurrent loans to loans 0.09%
Net loans and leases to deposits0.17%
Net loans and leases to core deposits 69.57%
Equity capital to assets 70.96%
Core capital (leverage) ratio 16.73%
Tier 1 risk-based capital ratio 16.96%
Total risk-based capital ratio 30.83%
Memoranda
Average assets$31
Average earning assets$149,310
Average equity $23,770
Average loans $137,385
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$823
Number of Accounts1
Personal trust and agency accounts$135
Employee benefit-defined contribution accounts$135
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts12
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$688
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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4 Texas Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
041702Mineola Community Bank, S.S.b.215 West Broad, Mineola, TX 75773April 01, 1934Full Service Brick and Mortar
1271204202 West Frank Branch415 W. Frank Street, Grand Saline, TX 75140April 01, 1934Full Service Brick and Mortar
2271205South Main Branch500 South Main, Winnsboro, TX 75494April 01, 1934Full Service Brick and Mortar
101271207Brookshire Branch1220 North Pacific, Mineola, TX 75773September 15, 1999Full Service Retail
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