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
No
ID
Name
Address
Established
Service Type
Map
0
13394
The Commercial Bank
100 Moody Street, Mason, TX 76856
April 04, 1966
Full Service Brick and Mortar
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