Bank of Commerce in Yukon, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Commerce - Overview

  • General
  • FDIC Certificate #: 23250
    Status: Active
    Federal Reserve ID: 866859
    Bank Holding Company (Regulatory Top Holder): Csb Bancshares, Inc. (RSSDID: 2649065, Location: Yukon, OK)
    Date Established: November 17, 1980
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 16294
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 17, 1980
    Last Structure Change Effective Date: December 10, 2010
    Last Structure Change Process Date: Febuary 11, 2011
    Last Data Update: Febuary 11, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2500 South Cornwell Drive, Yukon, OK 73099
    County: Canadian
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Oklahoma City
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880)
    Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
    Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
    CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $174.4 mil
    Equity capital: $16.0 mil
    Deposits held in domestic offices: $154.5 mil
    Return on assets (ROA): 1.01% ($1.8 mil)
    Quarterly return on assets: 0.93% ($1.6 mil)
    Return on Equity (ROE): 10.98% ($1.8 mil)
    Quarterly return on equity: 9.99% ($1.6 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.62% ($2,826.0 mil)
    Quarterly Pretax return on assets: 1.49% ($2,599.2 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
  • 57Total employees (full-time equivalent)
  • $174,446Total assets
  • $11,914Cash and due from depository institutions
  • $3,663Interest-bearing balances
  • $32,641Securities
  • $3,494Federal funds sold & reverse repurchase agreements
  • $116,650Net loans & leases
  • $1,392Loan loss allowance
  • $0Trading account assets
  • $5,391Bank premises and fixed assets
  • $1,571Other real estate owned
  • $0Goodwill and other intangibles
  • $174,446Life insurance assets
  • $2,785All other assets
  • $158,451Total liabilities and capital
  • $154,530Total liabilities
  • $109,372Total deposits
  • $154,530Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $921Subordinated debt
  • $15,995All other liabilities
  • $15,995Total equity capital
  • $15,995Total bank equity capital
  • $0Perpetual preferred stock
  • $904Common stock
  • $6,420Surplus
  • $8,671Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,147Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $328Income earned, not collected on loans
  • $0Earning assets
  • $828Long-term assets (5+ years)
  • $156,448Average Assets, year-to-date
  • $46,421Average Assets, quarterly
  • $165,490Volatile liabilities
  • $170,186Insider loans
  • $121,107FHLB advances
  • $167,045Loans and leases held for sale
  • $765Unused loan commitments
  • $765Tier 1 (core) risk-based capital
  • $15,625Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,815Restructured Loans and leases
  • $610Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,029Total interest income
  • $1,068Total interest expense
  • $6,961Net interest income
  • $603Provision for loan and lease losses
  • $1,921Total noninterest income
  • $0Fiduciary activities
  • $613Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,308Additional noninterest income
  • $5,752Total noninterest expense
  • $3,357Salaries and employee benefits
  • $679Premises and equipment expense
  • $1,716Additional noninterest expense
  • $2,527Pre-tax net operating income
  • $151Securities gains (losses)
  • $1,011Applicable income taxes
  • $1,667Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,667Net income attributable to bank
  • $0Net charge-offs
  • $1,667Cash dividends
  • $871Sale, conversion, retirement of capital stock, net
  • $300Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.33%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 4.62%Net interest margin
  • 1.28%Noninterest income to earning assets
  • 3.82%Noninterest expense to earning assets
  • 0.95%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.62%Pretax return on assets
  • 10.98%Return on equity (ROE)
  • 9.00%Retained earnings to average equity (YTD only)
  • 0.73%Net charge-offs to loans
  • 69.23%Credit loss provision to net charge-offs
  • 3.59%Efficiency ratio
  • 64,760Assets per employee
  • 3.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 18.00%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 424.39%Noncurrent assets plus other real estate owned to assets
  • 1.09%Noncurrent loans to loans
  • 0.28%Net loans and leases to deposits
  • 75.49%Net loans and leases to core deposits
  • 83.66%Equity capital to assets
  • 9.17%Core capital (leverage) ratio
  • 9.35%Tier 1 risk-based capital ratio
  • 12.90%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $165,490Average earning assets
  • $15,183Average equity
  • $150,514Average loans

Bank Assets Sold and Securitized (December 31, 2001)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $31-4 family residential loans
  • $0Home equity lines
  • $0Credit cards receivables
  • $8Auto loans
  • $93Other consumer loans
  • $1,025Commercial and industrial loans

List of branches

  • 4 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016294Bank Of Commerce2500 South Cornwell Drive, Yukon, OK 73099November 17, 1980Full Service Brick and Mortar
    1256091Yukon Branch120 South Mustang Road, Yukon, OK 73099September 01, 1998Full Service Brick and Mortar
    2357592El Reno Branch220 S. Bickford, El Reno, OK 73036Febuary 14, 2000Full Service Brick and Mortar
    4500085Mustang 152 Branch620 East State Highway 152, Mustang, OK 73064December 28, 2009Full Service Brick and Mortar

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