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
    WWW: http://www.bankofcommercestilwell.com
    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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank of Commerce.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents