The Mason National Bank in Mason, Texas (TX)

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The Mason National Bank
GeneralFDIC Certificate #: 3327
Status: Active
Federal Reserve ID: 368054
Bank Holding Company (Regulatory Top Holder): Mason National Bank Employee Stock Ownership Plan (RSSDID: 3026896, Location: Mason, TX)
Date Established: January 15, 1904
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 14756
FDIC's unique #: 2153
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
LocationAddress: 111 Westmoreland 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 ChangesChange in Location
Financial SummaryTotal assets: $90.7 mil
Equity capital: $14.1 mil
Deposits held in domestic offices: $68.6 mil
Return on assets (ROA): 1.80% ($1.6 mil)
Quarterly return on assets: 1.46% ($1.3 mil)
Return on Equity (ROE): 11.74% ($1.6 mil)
Quarterly return on equity: 9.25% ($1.3 mil)
Net income: $1.6 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 1.80% ($1,631.8 mil)
Quarterly Pretax return on assets: 1.46% ($1,323.6 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)18
Total assets$90,656
Cash and due from depository institutions$1,768
Interest-bearing balances$159
Federal funds sold & reverse repurchase agreements$900
Net loans & leases$34,841
Loan loss allowance $827
Trading account assets$0
Bank premises and fixed assets$740
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,434
Life insurance assets$90,656
Total liabilities and capital$76,589
Total liabilities$68,619
Total deposits$50,153
Interest-bearing deposits$68,619
Deposits held in domestic offices$94
% insured (estimated)3000.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,864
Other borrowed funds $0
Subordinated debt $106
All other liabilities $14,067
Total equity capital$14,067
Total bank equity capital$14,067
Perpetual preferred stock$0
Common stock$290
Undivided profits $12,777
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 $11
Earning assets $0
Long-term assets (5+ years) $655
Average Assets, year-to-date $86,873
Average Assets, quarterly $44,333
Volatile liabilities $89,536
Insider loans $90,400
FHLB advances $40,280
Loans and leases held for sale $89,197
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $12,376
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,923
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,236
Total interest expense $590
Net interest income $3,646
Provision for loan and lease losses $0
Total noninterest income $235
Fiduciary activities $0
Service charges on deposit accounts $156
Trading account gains & fees $0
Additional noninterest income $79
Total noninterest expense $2,276
Salaries and employee benefits $1,318
Premises and equipment expense $297
Additional noninterest expense $661
Pre-tax net operating income $1,605
Securities gains (losses) $9
Applicable income taxes $0
Income before extraordinary items $1,614
Extraordinary gains - net $0
Net income attributable to bank $1,614
Net charge-offs $0
Cash dividends $1,614
Sale, conversion, retirement of capital stock, net $23
Net operating income $1,914
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.92%
Cost of funding earning assets 0.69%
Net interest margin 4.24%
Noninterest income to earning assets 0.27%
Noninterest expense to earning assets 2.64%
Net operating income to assets 1.79%
Return on assets (ROA) 1.80%
Pretax return on assets 1.80%
Return on equity (ROE) 11.74%
Retained earnings to average equity (YTD only) -2.18%
Net charge-offs to loans 0.06%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio69.78%
Assets per employee$58,645
Cash dividends to net income (YTD only)5.04%
Condition Ratios (%)
Loss allowance to loans 118.59%
Loss allowance to noncurrent loans 2.32%
Noncurrent assets plus other real estate owned to assets 7518.18%
Noncurrent loans to loans 0.01%
Net loans and leases to deposits0.03%
Net loans and leases to core deposits 50.77%
Equity capital to assets 55.50%
Core capital (leverage) ratio 15.52%
Tier 1 risk-based capital ratio 13.87%
Total risk-based capital ratio 30.72%
Average assets$32
Average earning assets$89,536
Average equity $13,752
Average loans $86,049
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1 Texas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02153The Mason National Bank111 Westmoreland Street, Mason, TX 76856January 15, 1904Full Service Brick and Mortar
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