Bank of Commerce in city_name, state_name - Detailed Financial Reports, Location

Bank of Commerce in Mclean, Texas (TX)
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Bank of Commerce routing number info

Bank of Commerce - Overview

General
FDIC Certificate #: 25328
Status: Active
Federal Reserve ID: 352651
Date Established: August 16, 1984
WWW: http://www.ebankcommerce.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 10155
FDIC's unique #: 17517
Numeric code: 13
Regulator: FED
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: Commercial Lending Specialization
Date of Deposit Insurance: August 16, 1984
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: 201 North Main Street, Mclean, TX 79057
County: Gray
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Lubbock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Pampa, TX (#37420)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $27.6 mil
Equity capital: $3.1 mil
Deposits held in domestic offices: $24.3 mil
Return on assets (ROA): 1.68% ($0.5 mil)
Quarterly return on assets: 0.29% ($0.1 mil)
Return on Equity (ROE): 14.17% ($0.4 mil)
Quarterly return on equity: 2.43% ($0.1 mil)
Net income: $0.4 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 1.68% ($464.3 mil)
Quarterly Pretax return on assets: 0.29% ($80.2 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
8Total employees (full-time equivalent)
$27,638Total assets
$8,407Cash and due from depository institutions
$7,906Interest-bearing balances
$4,591Securities
$2,223Federal funds sold & reverse repurchase agreements
$12,114Net loans & leases
$451Loan loss allowance
$0Trading account assets
$107Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$27,639Life insurance assets
$196All other assets
$24,494Total liabilities and capital
$24,310Total liabilities
$15,788Total deposits
$24,310Interest-bearing deposits
$83Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$184Subordinated debt
$3,145All other liabilities
$3,145Total equity capital
$3,145Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$1,650Surplus
$1,245Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$214Income earned, not collected on loans
$0Earning assets
$73Long-term assets (5+ years)
$26,834Average Assets, year-to-date
$1,907Average Assets, quarterly
$24,790Volatile liabilities
$26,524Insider loans
$17,984FHLB advances
$28,199Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,117Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,888Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$871Total interest income
$108Total interest expense
$763Net interest income
$266Provision for loan and lease losses
$579Total noninterest income
$0Fiduciary activities
$58Service charges on deposit accounts
$0Trading account gains & fees
$521Additional noninterest income
$660Total noninterest expense
$379Salaries and employee benefits
$37Premises and equipment expense
$244Additional noninterest expense
$416Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$416Income before extraordinary items
$0Extraordinary gains - net
$416Net income attributable to bank
$0Net charge-offs
$416Cash dividends
$1Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.65%Yield on earning assets
0.45%Cost of funding earning assets
3.20%Net interest margin
2.43%Noninterest income to earning assets
2.77%Noninterest expense to earning assets
1.68%Net operating income to assets
1.68%Return on assets (ROA)
1.68%Pretax return on assets
14.17%Return on equity (ROE)
14.17%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
26600.00%Credit loss provision to net charge-offs
682.00%Efficiency ratio
49,180Assets per employee
3.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.59%Loss allowance to noncurrent loans
210.75%Noncurrent assets plus other real estate owned to assets
0.77%Noncurrent loans to loans
1.70%Net loans and leases to deposits
49.83%Net loans and leases to core deposits
61.29%Equity capital to assets
11.38%Core capital (leverage) ratio
11.05%Tier 1 risk-based capital ratio
17.33%Total risk-based capital ratio
Memoranda
$19Average assets
$24,790Average earning assets
$2,936Average equity
$23,860Average loans

List of branches

2 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	17517	Bank Of Commerce	201 North Main Street, Mclean, TX 79057	August 16, 1984	Full Service Brick and Mortar
1	493137	Amarillo Office Branch	800 S Monroe, Amarillo, TX 79101	January 01, 2009	Limited Service Administrative

Bank of Commerce in Mclean, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Commerce - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Commerce in Mclean, Texas (TX)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Commerce - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Commerce in Mclean, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches