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

Bank of Commerce - Overview

  • General
  • FDIC Certificate #: 422
    Status: Active
    Federal Reserve ID: 322850
    Bank Holding Company (Regulatory Top Holder): Peoples Commercial Bancorp, Inc. (RSSDID: 2606321, Location: Stilwell, OK)
    Date Established: January 01, 1931
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 14419
    FDIC's unique #: 327
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 24 West Division Street, Stilwell, OK 74960
    County: Adair
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Tulsa
    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: $101.8 mil
    Equity capital: $10.7 mil
    Deposits held in domestic offices: $84.2 mil
    Return on assets (ROA): 1.78% ($1.8 mil)
    Quarterly return on assets: 1.95% ($2.0 mil)
    Return on Equity (ROE): 16.56% ($1.8 mil)
    Quarterly return on equity: 17.93% ($2.0 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.78% ($1,812.5 mil)
    Quarterly Pretax return on assets: 1.95% ($1,985.6 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
  • 34Total employees (full-time equivalent)
  • $101,828Total assets
  • $2,145Cash and due from depository institutions
  • $0Interest-bearing balances
  • $31,617Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $63,659Net loans & leases
  • $245Loan loss allowance
  • $0Trading account assets
  • $2,012Bank premises and fixed assets
  • $391Other real estate owned
  • $0Goodwill and other intangibles
  • $101,828Life insurance assets
  • $2,004All other assets
  • $91,116Total liabilities and capital
  • $84,249Total liabilities
  • $70,334Total deposits
  • $84,249Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 3002.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,762Trading liabilities
  • $0Other borrowed funds
  • $103Subordinated debt
  • $10,712All other liabilities
  • $10,712Total equity capital
  • $10,712Total bank equity capital
  • $0Perpetual preferred stock
  • $296Common stock
  • $295Surplus
  • $10,121Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $255Income earned, not collected on loans
  • $0Earning assets
  • $632Long-term assets (5+ years)
  • $95,276Average Assets, year-to-date
  • $51,359Average Assets, quarterly
  • $98,087Volatile liabilities
  • $99,817Insider loans
  • $71,880FHLB advances
  • $97,981Loans and leases held for sale
  • $424Unused loan commitments
  • $424Tier 1 (core) risk-based capital
  • $10,157Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,747Restructured Loans and leases
  • $398Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,747Total interest income
  • $768Total interest expense
  • $3,979Net interest income
  • $125Provision for loan and lease losses
  • $510Total noninterest income
  • $0Fiduciary activities
  • $307Service charges on deposit accounts
  • $0Trading account gains & fees
  • $203Additional noninterest income
  • $3,012Total noninterest expense
  • $1,878Salaries and employee benefits
  • $249Premises and equipment expense
  • $885Additional noninterest expense
  • $1,352Pre-tax net operating income
  • $396Securities gains (losses)
  • $0Applicable income taxes
  • $1,748Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,748Net income attributable to bank
  • $0Net charge-offs
  • $1,748Cash dividends
  • $324Sale, conversion, retirement of capital stock, net
  • $840Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.16%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 4.33%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 3.28%Noninterest expense to earning assets
  • 1.38%Net operating income to assets
  • 1.78%Return on assets (ROA)
  • 1.78%Pretax return on assets
  • 16.56%Return on equity (ROE)
  • 8.60%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 38.58%Credit loss provision to net charge-offs
  • 4.56%Efficiency ratio
  • 67,097Assets per employee
  • 2.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.05%Loss allowance to loans
  • 0.38%Loss allowance to noncurrent loans
  • 96.08%Noncurrent assets plus other real estate owned to assets
  • 0.63%Noncurrent loans to loans
  • 0.40%Net loans and leases to deposits
  • 75.56%Net loans and leases to core deposits
  • 90.37%Equity capital to assets
  • 10.52%Core capital (leverage) ratio
  • 10.37%Tier 1 risk-based capital ratio
  • 14.13%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $98,087Average earning assets
  • $10,558Average equity
  • $91,944Average loans

List of branches

  • 3 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0327Bank Of Commerce24 West Division Street, Stilwell, OK 74960January 01, 1931Full Service Brick and Mortar
    1181621Drive-In Branch211 South Second Street, Stilwell, OK 74960Febuary 14, 1972Full Service Brick and Mortar
    2257959Keys Branch26241 Highway 82, Park Hill, OK 74451January 17, 1995Full Service Brick and Mortar

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