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

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
  • 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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