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
No
ID
Name
Address
Established
Service Type
Map
0
2153
The Mason National Bank
111 Westmoreland Street, Mason, TX 76856
January 15, 1904
Full Service Brick and Mortar
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