FDIC Certificate #: 9875 Status: Active Federal Reserve ID: 464853 Bank Holding Company (Regulatory Top Holder): Rocky Financial Corporation (RSSDID: 1063833, Location: Cordell, OK) Date Established: May 29, 1902 WWW:http://www.bankofcordell.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 11655 FDIC's unique #: 6316 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: 808 North Glenn English, Cordell, OK 73632 County: Washita 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $35.8 mil Equity capital: $3.0 mil Deposits held in domestic offices: $30.0 mil Return on assets (ROA): 1.34% ($0.5 mil) Quarterly return on assets: 1.32% ($0.5 mil) Return on Equity (ROE): 15.53% ($0.5 mil) Quarterly return on equity: 15.74% ($0.5 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.34% ($479.5 mil) Quarterly Pretax return on assets: 1.32% ($472.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$35,787Total assets
$1,156Cash and due from depository institutions
$945Interest-bearing balances
$1,138Securities
$1,609Federal funds sold & reverse repurchase agreements
$30,373Net loans & leases
$213Loan loss allowance
$0Trading account assets
$408Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$35,787Life insurance assets
$1,103All other assets
$32,775Total liabilities and capital
$30,048Total liabilities
$26,759Total deposits
$30,048Interest-bearing deposits
$90Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,200Trading liabilities
$0Other borrowed funds
$527Subordinated debt
$3,012All other liabilities
$3,012Total equity capital
$3,012Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$1,300Surplus
$1,612Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$293Long-term assets (5+ years)
$34,065Average Assets, year-to-date
$9,008Average Assets, quarterly
$34,373Volatile liabilities
$36,169Insider loans
$18,827FHLB advances
$36,038Loans and leases held for sale
$516Unused loan commitments
$516Tier 1 (core) risk-based capital
$3,049Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,580Restructured Loans and leases
$35Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,379Total interest income
$250Total interest expense
$1,129Net interest income
$15Provision for loan and lease losses
$226Total noninterest income
$0Fiduciary activities
$142Service charges on deposit accounts
$0Trading account gains & fees
$84Additional noninterest income
$878Total noninterest expense
$408Salaries and employee benefits
$73Premises and equipment expense
$397Additional noninterest expense
$462Pre-tax net operating income
-$3Securities gains (losses)
$0Applicable income taxes
$459Income before extraordinary items
$0Extraordinary gains - net
$459Net income attributable to bank
$0Net charge-offs
$459Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$235Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.24%Yield on earning assets
0.77%Cost of funding earning assets
3.47%Net interest margin
0.69%Noninterest income to earning assets
2.70%Noninterest expense to earning assets
1.34%Net operating income to assets
1.34%Return on assets (ROA)
1.34%Pretax return on assets
15.53%Return on equity (ROE)
7.58%Retained earnings to average equity (YTD only)
-0.00%Net charge-offs to loans
-1500.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
64,797Assets per employee
3.98%Cash dividends to net income (YTD only)
Condition Ratios (%)
51.20%Loss allowance to loans
0.70%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
101.08%Net loans and leases to core deposits
114.74%Equity capital to assets
8.42%Core capital (leverage) ratio
8.46%Tier 1 risk-based capital ratio
16.19%Total risk-based capital ratio
Memoranda
$17Average assets
$34,373Average earning assets
$2,956Average equity
$32,556Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6316
Bank Of Cordell
808 North Glenn English, Cordell, OK 73632
May 29, 1902
Full Service Brick and Mortar
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