Incommons Bank, N.A. Financial Statements & Health Reports

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ROAA

.573

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Incommons Bank, N.A.	All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets	151,387	358,087
Total Net Loans	105,807	213,533
Total Deposits	128,408	308,027
Total Equity	14,081	38,740
Profitability
Net Income	827	3,845
Return on Average Assets	.573	1.025
Return on Average Equity	5.724	9.415
Net Interest Margin	4.888	3.773
Efficiency Ratio	81.608	66.762
Noninterest Income/Revenue	17.332	16.375
Balance Sheet Ratios
Loan-to-Deposit	82.399	65.494
Securities/Assets	.186	.214
Total Equity/Total Assets	.093	.108
Tangible Equity/Tangible Assets	.081	.104
Capital Adequacy
Tier 1 Common Capital	13,314	37,278
Tier 1 Capital	13,314	37,303
Tier 2 Capital	1,121	2,526
Total Capital	14,435	39,866
Total Risk Weighted Assets	102,127	237,367
Leverage Ratio	9.07	10.563
Common Equity Tier 1 Capital Ratio	13.04	18.073
Tier 1 Capital Ratio	13.04	18.097
Total Capital Ratio	14.13	19.169

Bi-Stone Bancshares, Inc. became a new parent organization for Incommons Bank, N.A..

View Profile Jun 20 1994

Incommons Bank, N.A. was established 142 years ago and is currently headquartered in Mexia, TX.

Feb 01 1882

Relationships	Role	Relationship Start	Relationship End
Bi-Stone Bancshares, Inc.	Parent	6/20/1994

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