Bank of Eufaula in city_name, state_name - Detailed Financial Reports, Location

Bank of Eufaula in Eufaula, Oklahoma (OK)
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Bank of Eufaula routing number info

Bank of Eufaula - Overview

General
FDIC Certificate #: 4094
Status: Active
Federal Reserve ID: 343051
Bank Holding Company (Regulatory Top Holder): S N B Bancshares, Inc. (RSSDID: 1064184, Location: Eufaula, OK)
Date Established: March 07, 1911
WWW: http://www.bankofeufaula.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 2667
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: Other Specialized Lending < 1 Billion
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: 102 North Main, Eufaula, OK 74432
County: Mcintosh
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: $94.2 mil
Equity capital: $12.8 mil
Deposits held in domestic offices: $78.9 mil
Return on assets (ROA): 0.26% ($0.2 mil)
Quarterly return on assets: -2.27% (-$2.1 mil)
Return on Equity (ROE): 1.88% ($0.2 mil)
Quarterly return on equity: -16.06% (-$2.1 mil)
Net income: $0.2 mil
Quarterly Net income: -$0.5 mil
Pretax return on assets: 0.31% ($291.9 mil)
Quarterly Pretax return on assets: -3.53% (-$3,323.8 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
22Total employees (full-time equivalent)
$94,158Total assets
$4,389Cash and due from depository institutions
$34Interest-bearing balances
$38,404Securities
$9,130Federal funds sold & reverse repurchase agreements
$36,412Net loans & leases
$998Loan loss allowance
$0Trading account assets
$1,116Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$94,158Life insurance assets
$4,707All other assets
$81,341Total liabilities and capital
$78,883Total liabilities
$61,481Total deposits
$78,883Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,458Subordinated debt
$12,817All other liabilities
$12,817Total equity capital
$12,817Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$400Surplus
$12,367Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,419Income earned, not collected on loans
$0Earning assets
$561Long-term assets (5+ years)
$83,980Average Assets, year-to-date
$45,084Average Assets, quarterly
$91,740Volatile liabilities
$92,950Insider loans
$45,050FHLB advances
$90,963Loans and leases held for sale
$3,749Unused loan commitments
$2,951Tier 1 (core) risk-based capital
$12,126Tier 2 risk-based capital
$0Total risk weighted assets
$798Total unused commitments
$1,133Restructured Loans and leases
$92Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,854Total interest income
$335Total interest expense
$3,519Net interest income
$133Provision for loan and lease losses
$545Total noninterest income
$0Fiduciary activities
$155Service charges on deposit accounts
$0Trading account gains & fees
$390Additional noninterest income
$3,646Total noninterest expense
$2,678Salaries and employee benefits
$253Premises and equipment expense
$715Additional noninterest expense
$285Pre-tax net operating income
$0Securities gains (losses)
$46Applicable income taxes
$239Income before extraordinary items
$0Extraordinary gains - net
$239Net income attributable to bank
$0Net charge-offs
$239Cash dividends
$75Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.74%Yield on earning assets
0.41%Cost of funding earning assets
4.33%Net interest margin
0.67%Noninterest income to earning assets
4.49%Noninterest expense to earning assets
0.26%Net operating income to assets
0.26%Return on assets (ROA)
0.31%Pretax return on assets
1.88%Return on equity (ROE)
1.88%Retained earnings to average equity (YTD only)
0.21%Net charge-offs to loans
177.33%Credit loss provision to net charge-offs
5.57%Efficiency ratio
89,715Assets per employee
4.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.67%Loss allowance to noncurrent loans
70.33%Noncurrent assets plus other real estate owned to assets
1.51%Noncurrent loans to loans
3.79%Net loans and leases to deposits
46.16%Net loans and leases to core deposits
49.34%Equity capital to assets
13.61%Core capital (leverage) ratio
13.33%Tier 1 risk-based capital ratio
26.92%Total risk-based capital ratio
Memoranda
$28Average assets
$91,740Average earning assets
$12,686Average equity
$81,234Average loans

List of branches

2 Oklahoma Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	2667	Bank Of Eufaula	102 North Main, Eufaula, OK 74432	March 07, 1911	Full Service Brick and Mortar
1	202305	Drive-In Branch	First And Pine, Eufaula, OK 74432	November 18, 1997	Limited Service Facility

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

Bank of Eufaula - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Bank of Eufaula - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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