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


The Mason National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 18Total employees (full-time equivalent)
  • $90,656Total assets
  • $1,768Cash and due from depository institutions
  • $159Interest-bearing balances
  • $50,973Securities
  • $900Federal funds sold & reverse repurchase agreements
  • $34,841Net loans & leases
  • $827Loan loss allowance
  • $0Trading account assets
  • $740Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $90,656Life insurance assets
  • $1,434All other assets
  • $76,589Total liabilities and capital
  • $68,619Total liabilities
  • $50,153Total deposits
  • $68,619Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 3000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,864Trading liabilities
  • $0Other borrowed funds
  • $106Subordinated debt
  • $14,067All other liabilities
  • $14,067Total equity capital
  • $14,067Total bank equity capital
  • $0Perpetual preferred stock
  • $290Common stock
  • $1,000Surplus
  • $12,777Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11Income earned, not collected on loans
  • $0Earning assets
  • $655Long-term assets (5+ years)
  • $86,873Average Assets, year-to-date
  • $44,333Average Assets, quarterly
  • $89,536Volatile liabilities
  • $90,400Insider loans
  • $40,280FHLB advances
  • $89,197Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,376Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,923Restructured Loans and leases
  • $214Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,236Total interest income
  • $590Total interest expense
  • $3,646Net interest income
  • $0Provision for loan and lease losses
  • $235Total noninterest income
  • $0Fiduciary activities
  • $156Service charges on deposit accounts
  • $0Trading account gains & fees
  • $79Additional noninterest income
  • $2,276Total noninterest expense
  • $1,318Salaries and employee benefits
  • $297Premises and equipment expense
  • $661Additional noninterest expense
  • $1,605Pre-tax net operating income
  • $9Securities gains (losses)
  • $0Applicable income taxes
  • $1,614Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,614Net income attributable to bank
  • $0Net charge-offs
  • $1,614Cash dividends
  • $23Sale, conversion, retirement of capital stock, net
  • $1,914Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.92%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 4.24%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 2.64%Noninterest expense to earning assets
  • 1.79%Net operating income to assets
  • 1.80%Return on assets (ROA)
  • 1.80%Pretax return on assets
  • 11.74%Return on equity (ROE)
  • -2.18%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 69.78%Efficiency ratio
  • 58,645Assets per employee
  • 5.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 118.59%Loss allowance to loans
  • 2.32%Loss allowance to noncurrent loans
  • 7518.18%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.03%Net loans and leases to deposits
  • 50.77%Net loans and leases to core deposits
  • 55.50%Equity capital to assets
  • 15.52%Core capital (leverage) ratio
  • 13.87%Tier 1 risk-based capital ratio
  • 30.72%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $89,536Average earning assets
  • $13,752Average equity
  • $86,049Average loans

List of branches

  • 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

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 Mason National 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