The Commercial Bank
De Kalb, MS — Non-member Bank
Active
Vitals
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Total Assets140.8M 9.6 %
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Total Deposits113.8M 6.2 %
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Total Net Loans80.8M 8.1 %
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Net Income1.0M 108.8 %
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Book Value14.0M 2.0 %
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Book Value x228.0M 2.0 %
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Book Value x341.9M 2.0 %
Balance Sheet Highlights
| Financial Highlights | The Commercial Bank | All Insured Commercial Banks in Mississippi |
| Balance Sheet $(000) | ||
| Total Assets | 140,820 | 525,484 |
| Total Net Loans | 80,823 | 348,104 |
| Total Deposits | 113,834 | 440,088 |
| Total Equity | 13,982 | 60,485 |
| Profitability | ||
| Net Income | 1,019 | 5,177 |
| Return on Average Assets | .758 | .911 |
| Return on Average Equity | 7.286 | 8.357 |
| Net Interest Margin | 4.529 | 3.971 |
| Efficiency Ratio | 69.416 | 70.327 |
| Noninterest Income/Revenue | 14.606 | 22.171 |
| Balance Sheet Ratios | ||
| Loan-to-Deposit | 71.001 | 71.665 |
| Securities/Assets | .252 | .197 |
| Total Equity/Total Assets | .099 | .115 |
| Tangible Equity/Tangible Assets | .099 | .102 |
| Capital Adequacy | ||
| Tier 1 Common Capital | 14,362 | 52,498 |
| Tier 1 Capital | 14,362 | 52,598 |
| Tier 2 Capital | 1,014 | 3,510 |
| Total Capital | 15,376 | 56,103 |
| Total Risk Weighted Assets | 94,125 | 380,206 |
| Leverage Ratio | 10.57 | 10.71 |
| Common Equity Tier 1 Capital Ratio | 15.26 | 16.284 |
| Tier 1 Capital Ratio | 15.26 | 16.342 |
| Total Capital Ratio | 16.34 | 17.377 |
Timeline for The Commercial Bank
Southern Insurance Marketers, Inc.
Southern Insurance Marketers, Inc. became a new subsidiary organization for The Commercial Bank.
View Profile Jul 23 2004
Kemper Finance Incorporated
Kemper Finance Incorporated became a new subsidiary organization for The Commercial Bank.
View Profile Dec 31 1986
Commercial Capital Corporation
Commercial Capital Corporation became a new parent organization for The Commercial Bank.
View Profile Nov 08 1984
The Commercial Bank
The Commercial Bank was established 109 years ago and is currently headquartered in De Kalb, MS.
Dec 01 1914| Relationships | Role | Relationship Start | Relationship End |
| Commercial Capital Corporation | Parent | 10/17/1992 | |
| Commercial Capital Corporation | Parent | 4/2/1992 | 10/16/1992 |
| Commercial Capital Corporation | Parent | 11/8/1984 | 4/1/1992 |
| Southern Insurance Marketers, Inc. | Subsidary | 6/30/2007 | |
| Southern Insurance Marketers, Inc. | Subsidary | 7/23/2004 | 6/29/2007 |
| Kemper Finance Incorporated | Subsidary | 12/31/1986 | 6/25/1996 |
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