The Commercial Bank in De Kalb, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Commercial Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 63Total employees (full-time equivalent)
  • $134,063Total assets
  • $6,184Cash and due from depository institutions
  • $1,966Interest-bearing balances
  • $31,464Securities
  • $2,380Federal funds sold & reverse repurchase agreements
  • $79,640Net loans & leases
  • $1,477Loan loss allowance
  • $0Trading account assets
  • $6,867Bank premises and fixed assets
  • $3,392Other real estate owned
  • $0Goodwill and other intangibles
  • $134,063Life insurance assets
  • $4,136All other assets
  • $122,231Total liabilities and capital
  • $107,765Total liabilities
  • $91,146Total deposits
  • $107,765Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 544.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,304Trading liabilities
  • $0Other borrowed funds
  • $618Subordinated debt
  • $11,832All other liabilities
  • $11,832Total equity capital
  • $11,832Total bank equity capital
  • $0Perpetual preferred stock
  • $202Common stock
  • $9,370Surplus
  • $2,260Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,483Income earned, not collected on loans
  • $0Earning assets
  • $558Long-term assets (5+ years)
  • $115,450Average Assets, year-to-date
  • $20,273Average Assets, quarterly
  • $140,126Volatile liabilities
  • $136,047Insider loans
  • $99,141FHLB advances
  • $135,661Loans and leases held for sale
  • $1,968Unused loan commitments
  • $163Tier 1 (core) risk-based capital
  • $12,562Tier 2 risk-based capital
  • $1,805Total risk weighted assets
  • $0Total unused commitments
  • $7,593Restructured Loans and leases
  • $2,644Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,263Total interest income
  • $1,764Total interest expense
  • $5,499Net interest income
  • $408Provision for loan and lease losses
  • $410Total noninterest income
  • $0Fiduciary activities
  • $792Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$382Additional noninterest income
  • $4,961Total noninterest expense
  • $2,752Salaries and employee benefits
  • $773Premises and equipment expense
  • $1,436Additional noninterest expense
  • $540Pre-tax net operating income
  • -$162Securities gains (losses)
  • $0Applicable income taxes
  • $378Income before extraordinary items
  • $0Extraordinary gains - net
  • $378Net income attributable to bank
  • $0Net charge-offs
  • $378Cash dividends
  • $1,003Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.90%Yield on earning assets
  • 1.43%Cost of funding earning assets
  • 4.47%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 4.03%Noninterest expense to earning assets
  • 0.39%Net operating income to assets
  • 0.27%Return on assets (ROA)
  • 0.27%Pretax return on assets
  • 3.25%Return on equity (ROE)
  • 3.25%Retained earnings to average equity (YTD only)
  • 1.13%Net charge-offs to loans
  • 40.68%Credit loss provision to net charge-offs
  • 0.95%Efficiency ratio
  • 83,957Assets per employee
  • 2.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 99.60%Noncurrent assets plus other real estate owned to assets
  • 4.48%Noncurrent loans to loans
  • 1.83%Net loans and leases to deposits
  • 73.90%Net loans and leases to core deposits
  • 76.04%Equity capital to assets
  • 8.83%Core capital (leverage) ratio
  • 9.26%Tier 1 risk-based capital ratio
  • 12.67%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $140,126Average earning assets
  • $11,642Average equity
  • $123,019Average loans

List of branches

  • 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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