The Commercial Bank in De Kalb, Mississippi (MS)

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The Commercial Bank
GeneralFDIC Certificate #: 9356
Status: Active
Federal Reserve ID: 700430
Bank Holding Company (Regulatory Top Holder): Commercial Capital Corporation (RSSDID: 1086739, Location: Dekalb, MS)
Date Established: December 01, 1914
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 11466
FDIC's unique #: 6006
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
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: 175 Hopper Avenue, De Kalb, MS 39328
County: Kemper
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Jackson Ms
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Meridian, MS (#32940)
CBSA Micro Statistical Area: Yes
History of ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $134.1 mil
Equity capital: $11.8 mil
Deposits held in domestic offices: $107.8 mil
Return on assets (ROA): 0.27% ($0.4 mil)
Quarterly return on assets: 0.14% ($0.2 mil)
Return on Equity (ROE): 3.25% ($0.4 mil)
Quarterly return on equity: 1.61% ($0.2 mil)
Net income: $0.4 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.27% ($362.0 mil)
Quarterly Pretax return on assets: 0.14% ($187.7 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)63
Total assets$134,063
Cash and due from depository institutions$6,184
Interest-bearing balances$1,966
Federal funds sold & reverse repurchase agreements$2,380
Net loans & leases$79,640
Loan loss allowance $1,477
Trading account assets$0
Bank premises and fixed assets$6,867
Other real estate owned$3,392
Goodwill and other intangibles$0
All other assets$4,136
Life insurance assets$134,063
Total liabilities and capital$122,231
Total liabilities$107,765
Total deposits$91,146
Interest-bearing deposits$107,765
Deposits held in domestic offices$97
% insured (estimated)544.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$13,304
Other borrowed funds $0
Subordinated debt $618
All other liabilities $11,832
Total equity capital$11,832
Total bank equity capital$11,832
Perpetual preferred stock$0
Common stock$202
Undivided profits $2,260
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 $1,483
Earning assets $0
Long-term assets (5+ years) $558
Average Assets, year-to-date $115,450
Average Assets, quarterly $20,273
Volatile liabilities $140,126
Insider loans $136,047
FHLB advances $99,141
Loans and leases held for sale $135,661
Unused loan commitments $1,968
Tier 1 (core) risk-based capital $163
Tier 2 risk-based capital $12,562
Total risk weighted assets $1,805
Total unused commitments $0
Restructured Loans and leases $7,593
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,263
Total interest expense $1,764
Net interest income $5,499
Provision for loan and lease losses $408
Total noninterest income $410
Fiduciary activities $0
Service charges on deposit accounts $792
Trading account gains & fees $0
Additional noninterest income -$382
Total noninterest expense $4,961
Salaries and employee benefits $2,752
Premises and equipment expense $773
Additional noninterest expense $1,436
Pre-tax net operating income $540
Securities gains (losses) -$162
Applicable income taxes $0
Income before extraordinary items $378
Extraordinary gains - net $0
Net income attributable to bank $378
Net charge-offs $0
Cash dividends $378
Sale, conversion, retirement of capital stock, net $1,003
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 assets5.90%
Cost of funding earning assets 1.43%
Net interest margin 4.47%
Noninterest income to earning assets 0.33%
Noninterest expense to earning assets 4.03%
Net operating income to assets 0.39%
Return on assets (ROA) 0.27%
Pretax return on assets 0.27%
Return on equity (ROE) 3.25%
Retained earnings to average equity (YTD only) 3.25%
Net charge-offs to loans 1.13%
Credit loss provision to net charge-offs 40.68%
Efficiency ratio0.95%
Assets per employee$83,957
Cash dividends to net income (YTD only)2.13%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.82%
Noncurrent assets plus other real estate owned to assets 99.60%
Noncurrent loans to loans 4.48%
Net loans and leases to deposits1.83%
Net loans and leases to core deposits 73.90%
Equity capital to assets 76.04%
Core capital (leverage) ratio 8.83%
Tier 1 risk-based capital ratio 9.26%
Total risk-based capital ratio 12.67%
Average assets$14
Average earning assets$140,126
Average equity $11,642
Average loans $123,019
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5 Mississippi Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06006The Commercial Bank175 Hopper Avenue, De Kalb, MS 39328December 01, 1914Full Service Brick and Mortar
2219941Collinsville BranchHighway 19 North, Collinsville, MS 39325October 19, 1995Full Service Brick and Mortar
3219942Meridian Branch7591 Highway 39, Meridian, MS 39305May 20, 1998Full Service Brick and Mortar
4219943Medical Center Branch1101 22nd Avenue, Meridian, MS 39301September 08, 1999Full Service Brick and Mortar
6465219Philadelphia Branch206 South Lewis Avenue, Philadelphia, MS 39350May 23, 2007Full Service Brick and Mortar
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