Community State Bank in Hennessey, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community State Bank - Overview

  • General
  • FDIC Certificate #: 27201
    Status: Active
    Federal Reserve ID: 1176920
    Bank Holding Company (Regulatory Top Holder): Warrior Bank Corporation, Inc. (RSSDID: 1249749, Location: Hennessey, OK)
    Date Established: March 24, 1988
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 53146
    FDIC's unique #: 39104
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: March 24, 1988
    Last Structure Change Effective Date: June 26, 2006
    Last Structure Change Process Date: August 25, 2006
    Last Data Update: August 25, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 525 N. Main Street, Hennessey, OK 73742
    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
  • Financial Summary
  • Total assets: $39.3 mil
    Equity capital: $3.2 mil
    Deposits held in domestic offices: $36.1 mil
    Return on assets (ROA): 1.03% ($0.4 mil)
    Quarterly return on assets: 1.24% ($0.5 mil)
    Return on Equity (ROE): 12.32% ($0.4 mil)
    Quarterly return on equity: 15.25% ($0.5 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.03% ($405.0 mil)
    Quarterly Pretax return on assets: 1.24% ($487.6 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
  • 19Total employees (full-time equivalent)
  • $39,324Total assets
  • $11,653Cash and due from depository institutions
  • $10,164Interest-bearing balances
  • $161Securities
  • $1,106Federal funds sold & reverse repurchase agreements
  • $24,341Net loans & leases
  • $344Loan loss allowance
  • $0Trading account assets
  • $639Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $39,324Life insurance assets
  • $1,424All other assets
  • $36,083Total liabilities and capital
  • $36,077Total liabilities
  • $24,938Total deposits
  • $36,077Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $6Subordinated debt
  • $3,241All other liabilities
  • $3,241Total equity capital
  • $3,241Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $975Surplus
  • $2,066Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $178Income earned, not collected on loans
  • $0Earning assets
  • $590Long-term assets (5+ years)
  • $35,772Average Assets, year-to-date
  • $957Average Assets, quarterly
  • $38,283Volatile liabilities
  • $39,677Insider loans
  • $26,174FHLB advances
  • $40,501Loans and leases held for sale
  • $627Unused loan commitments
  • $627Tier 1 (core) risk-based capital
  • $3,241Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,218Restructured Loans and leases
  • $13Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,075Total interest income
  • $150Total interest expense
  • $1,925Net interest income
  • $260Provision for loan and lease losses
  • $765Total noninterest income
  • $0Fiduciary activities
  • $501Service charges on deposit accounts
  • $0Trading account gains & fees
  • $264Additional noninterest income
  • $2,036Total noninterest expense
  • $1,193Salaries and employee benefits
  • $252Premises and equipment expense
  • $591Additional noninterest expense
  • $394Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $394Income before extraordinary items
  • $0Extraordinary gains - net
  • $394Net income attributable to bank
  • $0Net charge-offs
  • $394Cash dividends
  • $251Sale, conversion, retirement of capital stock, net
  • $310Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.98%Yield on earning assets
  • 0.43%Cost of funding earning assets
  • 5.55%Net interest margin
  • 2.20%Noninterest income to earning assets
  • 5.87%Noninterest expense to earning assets
  • 1.03%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 12.32%Return on equity (ROE)
  • 2.63%Retained earnings to average equity (YTD only)
  • 0.97%Net charge-offs to loans
  • 103.59%Credit loss provision to net charge-offs
  • 2.61%Efficiency ratio
  • 75,688Assets per employee
  • 2.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.68%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 193.26%Noncurrent assets plus other real estate owned to assets
  • 0.45%Noncurrent loans to loans
  • 0.72%Net loans and leases to deposits
  • 67.47%Net loans and leases to core deposits
  • 67.47%Equity capital to assets
  • 8.24%Core capital (leverage) ratio
  • 8.00%Tier 1 risk-based capital ratio
  • 12.38%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $38,283Average earning assets
  • $3,197Average equity
  • $34,705Average loans

List of branches

  • 3 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    039104Community State Bank525 N. Main Street, Hennessey, OK 73742March 24, 1988Full Service Brick and Mortar
    3251577Dover Community BranchHighway 81 And East Chestnut, Dover, OK 73734April 02, 1984Full Service Brick and Mortar
    4261380Cashion Branch103 South Main, Cashion, OK 73016June 23, 1999Full Service Brick and Mortar

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