Mills County State Bank in Goldthwaite, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Mills County State Bank in Goldthwaite, Texas (TX)
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Mills County State Bank routing number info

Mills County State Bank - Overview

  • General
  • FDIC Certificate #: 15669
    Status: Active
    Federal Reserve ID: 522753
    Bank Holding Company (Regulatory Top Holder): Goldthwaite Bancshares, Inc. (RSSDID: 1103999, Location: Goldthwaite, TX)
    Date Established: November 24, 1908
    WWW: http://www.mcsbtexas.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 9943
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: June 20, 1939
    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: 1017 Parker Street, Goldthwaite, TX 76844
    County: Mills
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $213.0 mil
    Equity capital: $24.5 mil
    Deposits held in domestic offices: $184.7 mil
    Return on assets (ROA): 1.30% ($2.8 mil)
    Quarterly return on assets: 1.30% ($2.8 mil)
    Return on Equity (ROE): 11.61% ($2.8 mil)
    Quarterly return on equity: 11.31% ($2.7 mil)
    Net income: $2.7 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.30% ($2,768.7 mil)
    Quarterly Pretax return on assets: 1.30% ($2,768.7 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
  • 65Total employees (full-time equivalent)
  • $212,977Total assets
  • $30,457Cash and due from depository institutions
  • $21,829Interest-bearing balances
  • $73,296Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $104,126Net loans & leases
  • $1,252Loan loss allowance
  • $0Trading account assets
  • $1,613Bank premises and fixed assets
  • $327Other real estate owned
  • $0Goodwill and other intangibles
  • $212,977Life insurance assets
  • $3,158All other assets
  • $188,517Total liabilities and capital
  • $184,713Total liabilities
  • $140,930Total deposits
  • $184,713Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,834Trading liabilities
  • $0Other borrowed funds
  • $970Subordinated debt
  • $24,460All other liabilities
  • $24,460Total equity capital
  • $24,460Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $6,500Surplus
  • $16,460Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,885Income earned, not collected on loans
  • $84Earning assets
  • $1,370Long-term assets (5+ years)
  • $199,251Average Assets, year-to-date
  • $85,992Average Assets, quarterly
  • $209,275Volatile liabilities
  • $213,703Insider loans
  • $107,105FHLB advances
  • $213,034Loans and leases held for sale
  • $747Unused loan commitments
  • $747Tier 1 (core) risk-based capital
  • $22,178Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,819Restructured Loans and leases
  • $1,166Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,240Total interest income
  • $1,149Total interest expense
  • $7,091Net interest income
  • $254Provision for loan and lease losses
  • $1,457Total noninterest income
  • $0Fiduciary activities
  • $1,267Service charges on deposit accounts
  • $0Trading account gains & fees
  • $190Additional noninterest income
  • $5,567Total noninterest expense
  • $3,103Salaries and employee benefits
  • $587Premises and equipment expense
  • $1,877Additional noninterest expense
  • $2,727Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $2,727Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,727Net income attributable to bank
  • $0Net charge-offs
  • $2,727Cash dividends
  • $33Sale, conversion, retirement of capital stock, net
  • $1,510Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.21%Yield on earning assets
  • 0.59%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 2.85%Noninterest expense to earning assets
  • 1.30%Net operating income to assets
  • 1.30%Return on assets (ROA)
  • 1.30%Pretax return on assets
  • 11.61%Return on equity (ROE)
  • 5.18%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 769.70%Credit loss provision to net charge-offs
  • 90.33%Efficiency ratio
  • 65,126Assets per employee
  • 3.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 55.37%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 66.42%Noncurrent assets plus other real estate owned to assets
  • 1.04%Noncurrent loans to loans
  • 1.79%Net loans and leases to deposits
  • 56.37%Net loans and leases to core deposits
  • 58.97%Equity capital to assets
  • 11.48%Core capital (leverage) ratio
  • 10.41%Tier 1 risk-based capital ratio
  • 20.71%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $209,275Average earning assets
  • $23,489Average equity
  • $195,639Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    09943Mills County State Bank1017 Parker Street, Goldthwaite, TX 76844November 24, 1908Full Service Brick and Mortar
    1234927Brownwood Branch3101 Austin Avenue, Brownwood, TX 76801December 30, 1992Full Service Brick and Mortar
    2234928Early Branch411 Early Boulevard, Early, TX 76801July 05, 1995Full Service Brick and Mortar
    3453824Mills County State Bank Branch1005 E Main Street, Hamilton, TX 76531October 12, 2005Full Service Brick and Mortar

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