The Commercial Bank in Mason, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Commercial Bank - Overview

  • General
  • FDIC 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
    WWW: http://www.tcbmason.com
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 9Total employees (full-time equivalent)
  • $30,150Total assets
  • $3,429Cash and due from depository institutions
  • $2,745Interest-bearing balances
  • $6,984Securities
  • $1,680Federal funds sold & reverse repurchase agreements
  • $17,375Net loans & leases
  • $133Loan loss allowance
  • $0Trading account assets
  • $308Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $30,150Life insurance assets
  • $374All other assets
  • $27,273Total liabilities and capital
  • $27,079Total liabilities
  • $19,335Total deposits
  • $27,079Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20Trading liabilities
  • $0Other borrowed funds
  • $174Subordinated debt
  • $2,877All other liabilities
  • $2,877Total equity capital
  • $2,877Total bank equity capital
  • $0Perpetual preferred stock
  • $220Common stock
  • $1,380Surplus
  • $1,277Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $198Long-term assets (5+ years)
  • $28,784Average Assets, year-to-date
  • $12,109Average Assets, quarterly
  • $29,480Volatile liabilities
  • $29,975Insider loans
  • $19,296FHLB advances
  • $31,092Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,677Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,090Restructured Loans and leases
  • $701Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,298Total interest income
  • $69Total interest expense
  • $1,229Net interest income
  • $32Provision for loan and lease losses
  • $105Total noninterest income
  • $0Fiduciary activities
  • $70Service charges on deposit accounts
  • $0Trading account gains & fees
  • $35Additional noninterest income
  • $878Total noninterest expense
  • $468Salaries and employee benefits
  • $140Premises and equipment expense
  • $270Additional noninterest expense
  • $424Pre-tax net operating income
  • $2Securities gains (losses)
  • $97Applicable income taxes
  • $329Income before extraordinary items
  • $0Extraordinary gains - net
  • $329Net income attributable to bank
  • $0Net charge-offs
  • $329Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $11Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.69%Yield on earning assets
  • 0.25%Cost of funding earning assets
  • 4.44%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 3.17%Noninterest expense to earning assets
  • 1.11%Net operating income to assets
  • 1.12%Return on assets (ROA)
  • 1.45%Pretax return on assets
  • 12.54%Return on equity (ROE)
  • 12.12%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 320.00%Credit loss provision to net charge-offs
  • 45.60%Efficiency ratio
  • 65,817Assets per employee
  • 3.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 3.34%Loss allowance to loans
  • 0.76%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 64.16%Net loans and leases to core deposits
  • 66.21%Equity capital to assets
  • 9.54%Core capital (leverage) ratio
  • 8.61%Tier 1 risk-based capital ratio
  • 13.87%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $29,480Average earning assets
  • $2,623Average equity
  • $27,658Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013394The Commercial Bank100 Moody Street, Mason, TX 76856April 04, 1966Full Service Brick and Mortar

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

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Commercial Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents