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


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
  • NoIDNameAddressEstablishedService TypeMap
    02667Bank Of Eufaula102 North Main, Eufaula, OK 74432March 07, 1911Full Service Brick and Mortar
    1202305Drive-In BranchFirst And Pine, Eufaula, OK 74432November 18, 1997Limited Service Facility

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