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

Citizens Bank of Oklahoma - Overview

  • General
  • FDIC Certificate #: 14899
    Status: Active
    Federal Reserve ID: 517357
    Bank Holding Company (Regulatory Top Holder): N.B.c. Bancshares In Pawhuska, Inc. (RSSDID: 1065565, Location: Pawhuska, OK)
    Date Established: November 23, 1905
    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)
    OTS Docket #: 13117
    FDIC's unique #: 9330
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 04, 1934
    Last Structure Change Effective Date: April 25, 2006
    Last Structure Change Process Date: April 28, 2006
    Last Data Update: April 28, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 East 8th Street, Pawhuska, OK 74056
    County: Osage
    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
    Metropolitan Statistical Area (MSA): Tulsa, OK (#8560)
    Combined Statistical Area (CSA): Tulsa-Bartlesville, OK (#538)
    Core Based Statistical Area (CBSA): Tulsa, OK (#46140)
    CBSA Metro Statistical Area: Tulsa, OK (#46140)
  • History of Changes
  • Corrections
    Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $154.4 mil
    Equity capital: $15.5 mil
    Deposits held in domestic offices: $137.9 mil
    Return on assets (ROA): 1.10% ($1.7 mil)
    Quarterly return on assets: 1.04% ($1.6 mil)
    Return on Equity (ROE): 11.01% ($1.8 mil)
    Quarterly return on equity: 10.03% ($1.6 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.10% ($1,697.9 mil)
    Quarterly Pretax return on assets: 1.04% ($1,605.3 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
  • 21Total employees (full-time equivalent)
  • $154,355Total assets
  • $27,947Cash and due from depository institutions
  • $24,718Interest-bearing balances
  • $8,792Securities
  • $3,719Federal funds sold & reverse repurchase agreements
  • $108,961Net loans & leases
  • $2,143Loan loss allowance
  • $0Trading account assets
  • $2,110Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $154,355Life insurance assets
  • $2,826All other assets
  • $138,855Total liabilities and capital
  • $137,947Total liabilities
  • $104,619Total deposits
  • $137,947Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $908Subordinated debt
  • $15,500All other liabilities
  • $15,500Total equity capital
  • $15,500Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $4,246Surplus
  • $11,054Undivided 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
  • $568Long-term assets (5+ years)
  • $146,190Average Assets, year-to-date
  • $7,861Average Assets, quarterly
  • $147,422Volatile liabilities
  • $147,132Insider loans
  • $116,956FHLB advances
  • $141,903Loans and leases held for sale
  • $682Unused loan commitments
  • $682Tier 1 (core) risk-based capital
  • $15,438Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $18,637Restructured Loans and leases
  • $3,845Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,254Total interest income
  • $1,165Total interest expense
  • $6,089Net interest income
  • $1,250Provision for loan and lease losses
  • $334Total noninterest income
  • $0Fiduciary activities
  • $270Service charges on deposit accounts
  • $0Trading account gains & fees
  • $64Additional noninterest income
  • $3,556Total noninterest expense
  • $1,669Salaries and employee benefits
  • $529Premises and equipment expense
  • $1,358Additional noninterest expense
  • $1,617Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,617Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,617Net income attributable to bank
  • $0Net charge-offs
  • $1,617Cash dividends
  • $1,132Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 4.35%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 2.54%Noninterest expense to earning assets
  • 1.10%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.10%Pretax return on assets
  • 11.01%Return on equity (ROE)
  • 11.01%Retained earnings to average equity (YTD only)
  • 1.03%Net charge-offs to loans
  • 110.42%Credit loss provision to net charge-offs
  • 2.53%Efficiency ratio
  • 55,364Assets per employee
  • 7.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.93%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
  • 78.99%Net loans and leases to core deposits
  • 112.17%Equity capital to assets
  • 10.04%Core capital (leverage) ratio
  • 10.88%Tier 1 risk-based capital ratio
  • 13.20%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $147,422Average earning assets
  • $14,684Average equity
  • $140,051Average loans

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09330Citizens Bank Of Oklahoma101 East 8th Street, Pawhuska, OK 74056November 23, 1905Full Service Brick and Mortar
    4442635Tulsa Branch3353 E. 41st Street, Tulsa, OK 74135September 15, 2004Full Service Brick and Mortar

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