The Commercial Bank in Mason, Texas (TX)

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The Commercial Bank
GeneralFDIC Certificate #: 19595
Status: Active
Federal Reserve ID: 491653
Bank Holding Company (Regulatory Top Holder): Commercial Company, Inc. (RSSDID: 1104624, Location: Mason, TX)
Date Established: April 04, 1966
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 13394
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: May 26, 1966
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
LocationAddress: 100 Moody Street, Mason, TX 76856
County: Mason
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Austin
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $30.1 mil
Equity capital: $2.9 mil
Deposits held in domestic offices: $27.1 mil
Return on assets (ROA): 1.12% ($0.3 mil)
Quarterly return on assets: 1.00% ($0.3 mil)
Return on Equity (ROE): 12.54% ($0.4 mil)
Quarterly return on equity: 10.56% ($0.3 mil)
Net income: $0.3 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.45% ($437.2 mil)
Quarterly Pretax return on assets: 1.09% ($328.6 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)9
Total assets$30,150
Cash and due from depository institutions$3,429
Interest-bearing balances$2,745
Federal funds sold & reverse repurchase agreements$1,680
Net loans & leases$17,375
Loan loss allowance $133
Trading account assets$0
Bank premises and fixed assets$308
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$374
Life insurance assets$30,150
Total liabilities and capital$27,273
Total liabilities$27,079
Total deposits$19,335
Interest-bearing deposits$27,079
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$20
Other borrowed funds $0
Subordinated debt $174
All other liabilities $2,877
Total equity capital$2,877
Total bank equity capital$2,877
Perpetual preferred stock$0
Common stock$220
Undivided profits $1,277
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 $0
Earning assets $0
Long-term assets (5+ years) $198
Average Assets, year-to-date $28,784
Average Assets, quarterly $12,109
Volatile liabilities $29,480
Insider loans $29,975
FHLB advances $19,296
Loans and leases held for sale $31,092
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $2,677
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,090
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,298
Total interest expense $69
Net interest income $1,229
Provision for loan and lease losses $32
Total noninterest income $105
Fiduciary activities $0
Service charges on deposit accounts $70
Trading account gains & fees $0
Additional noninterest income $35
Total noninterest expense $878
Salaries and employee benefits $468
Premises and equipment expense $140
Additional noninterest expense $270
Pre-tax net operating income $424
Securities gains (losses) $2
Applicable income taxes $97
Income before extraordinary items $329
Extraordinary gains - net $0
Net income attributable to bank $329
Net charge-offs $0
Cash dividends $329
Sale, conversion, retirement of capital stock, net $10
Net operating income $11
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.69%
Cost of funding earning assets 0.25%
Net interest margin 4.44%
Noninterest income to earning assets 0.38%
Noninterest expense to earning assets 3.17%
Net operating income to assets 1.11%
Return on assets (ROA) 1.12%
Pretax return on assets 1.45%
Return on equity (ROE) 12.54%
Retained earnings to average equity (YTD only) 12.12%
Net charge-offs to loans 0.06%
Credit loss provision to net charge-offs 320.00%
Efficiency ratio45.60%
Assets per employee$65,817
Cash dividends to net income (YTD only)3.35%
Condition Ratios (%)
Loss allowance to loans 3.34%
Loss allowance to noncurrent loans 0.76%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 64.16%
Equity capital to assets 66.21%
Core capital (leverage) ratio 9.54%
Tier 1 risk-based capital ratio 8.61%
Total risk-based capital ratio 13.87%
Average assets$15
Average earning assets$29,480
Average equity $2,623
Average loans $27,658
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1 Texas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
013394The Commercial Bank100 Moody Street, Mason, TX 76856April 04, 1966Full Service Brick and Mortar
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