Community National Bank of Okarche in Okarche, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community National Bank of Okarche - Overview

  • General
  • FDIC Certificate #: 25161
    Status: Active
    Federal Reserve ID: 371559
    Bank Holding Company (Regulatory Top Holder): Northwest Sooner Bancshares, Inc. (RSSDID: 2015857, Location: Okarche, OK)
    Date Established: May 18, 1984
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10925
    FDIC's unique #: 17410
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: May 18, 1984
    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: 653 Us Hwy 81, Okarche, OK 73762
    County: Kingfisher
    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
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $73.4 mil
    Equity capital: $9.5 mil
    Deposits held in domestic offices: $52.6 mil
    Return on assets (ROA): 1.71% ($1.2 mil)
    Quarterly return on assets: 1.80% ($1.3 mil)
    Return on Equity (ROE): 12.58% ($1.1 mil)
    Quarterly return on equity: 13.27% ($1.2 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.71% ($1,255.2 mil)
    Quarterly Pretax return on assets: 1.80% ($1,321.3 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
  • 16Total employees (full-time equivalent)
  • $73,403Total assets
  • $5,947Cash and due from depository institutions
  • $3,986Interest-bearing balances
  • $34,617Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $31,021Net loans & leases
  • $383Loan loss allowance
  • $0Trading account assets
  • $557Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $73,403Life insurance assets
  • $1,261All other assets
  • $63,911Total liabilities and capital
  • $52,566Total liabilities
  • $39,937Total deposits
  • $52,566Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 400.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,885Trading liabilities
  • $0Other borrowed funds
  • $60Subordinated debt
  • $9,492All other liabilities
  • $9,492Total equity capital
  • $9,492Total bank equity capital
  • $0Perpetual preferred stock
  • $1,002Common stock
  • $1,002Surplus
  • $7,488Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $110Income earned, not collected on loans
  • $0Earning assets
  • $438Long-term assets (5+ years)
  • $69,624Average Assets, year-to-date
  • $16,115Average Assets, quarterly
  • $67,157Volatile liabilities
  • $69,867Insider loans
  • $41,436FHLB advances
  • $69,911Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,997Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,487Restructured Loans and leases
  • $2,336Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,599Total interest income
  • $406Total interest expense
  • $2,193Net interest income
  • $0Provision for loan and lease losses
  • $392Total noninterest income
  • $0Fiduciary activities
  • $277Service charges on deposit accounts
  • $0Trading account gains & fees
  • $115Additional noninterest income
  • $1,451Total noninterest expense
  • $770Salaries and employee benefits
  • $126Premises and equipment expense
  • $555Additional noninterest expense
  • $1,134Pre-tax net operating income
  • $14Securities gains (losses)
  • $0Applicable income taxes
  • $1,148Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,148Net income attributable to bank
  • $0Net charge-offs
  • $1,148Cash dividends
  • -$7Sale, conversion, retirement of capital stock, net
  • $802Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.16%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 3.51%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 2.32%Noninterest expense to earning assets
  • 1.69%Net operating income to assets
  • 1.71%Return on assets (ROA)
  • 1.71%Pretax return on assets
  • 12.58%Return on equity (ROE)
  • 3.79%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 56,132Assets per employee
  • 4.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.86%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 348.18%Noncurrent assets plus other real estate owned to assets
  • 0.15%Noncurrent loans to loans
  • 0.35%Net loans and leases to deposits
  • 59.01%Net loans and leases to core deposits
  • 71.04%Equity capital to assets
  • 12.93%Core capital (leverage) ratio
  • 12.87%Tier 1 risk-based capital ratio
  • 21.71%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $67,157Average earning assets
  • $9,124Average equity
  • $62,502Average loans

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017410Community National Bank Of Okarche653 Us Hwy 81, Okarche, OK 73762May 18, 1984Full Service Brick and Mortar
    16847Fairview Branch101 North Main, Fairview, OK 73737June 21, 1901Full Service Brick and Mortar

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