McClain Bank in Purcell, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


McClain Bank - Overview

  • General
  • FDIC Certificate #: 4187
    Status: Active
    Federal Reserve ID: 648251
    Bank Holding Company (Regulatory Top Holder): Mcclain County Bancorporation, Inc. (RSSDID: 1060485, Location: Purcell, OK)
    Date Established: March 08, 1922
    WWW: http://www.mcclainbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 11821
    FDIC's unique #: 2740
    Numeric code: 21
    Regulator: FDIC
    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: All Other Specialization < 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: 131 West Main Street, Purcell, OK 73080
    County: Mcclain
    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
    Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880)
    Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
    Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
    CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $173.1 mil
    Equity capital: $18.2 mil
    Deposits held in domestic offices: $153.1 mil
    Return on assets (ROA): 0.72% ($1.2 mil)
    Quarterly return on assets: 0.48% ($0.8 mil)
    Return on Equity (ROE): 6.97% ($1.3 mil)
    Quarterly return on equity: 4.53% ($0.8 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.07% ($1,852.3 mil)
    Quarterly Pretax return on assets: 0.68% ($1,177.1 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
  • 64Total employees (full-time equivalent)
  • $173,108Total assets
  • $28,894Cash and due from depository institutions
  • $24,106Interest-bearing balances
  • $48,206Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $82,301Net loans & leases
  • $1,638Loan loss allowance
  • $0Trading account assets
  • $5,944Bank premises and fixed assets
  • $1,820Other real estate owned
  • $0Goodwill and other intangibles
  • $173,108Life insurance assets
  • $5,943All other assets
  • $154,909Total liabilities and capital
  • $153,080Total liabilities
  • $122,524Total deposits
  • $153,080Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 853.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $976Subordinated debt
  • $18,199All other liabilities
  • $18,199Total equity capital
  • $18,199Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $800Surplus
  • $17,199Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,059Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,788Income earned, not collected on loans
  • $0Earning assets
  • $713Long-term assets (5+ years)
  • $154,613Average Assets, year-to-date
  • $33,546Average Assets, quarterly
  • $170,723Volatile liabilities
  • $172,355Insider loans
  • $88,816FHLB advances
  • $170,453Loans and leases held for sale
  • $4,214Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,815Tier 2 risk-based capital
  • $4,214Total risk weighted assets
  • $0Total unused commitments
  • $6,698Restructured Loans and leases
  • $903Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,481Total interest income
  • $771Total interest expense
  • $6,710Net interest income
  • $0Provision for loan and lease losses
  • $1,801Total noninterest income
  • $0Fiduciary activities
  • $861Service charges on deposit accounts
  • $0Trading account gains & fees
  • $940Additional noninterest income
  • $6,730Total noninterest expense
  • $3,825Salaries and employee benefits
  • $879Premises and equipment expense
  • $2,026Additional noninterest expense
  • $1,781Pre-tax net operating income
  • $50Securities gains (losses)
  • $607Applicable income taxes
  • $1,224Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,224Net income attributable to bank
  • $0Net charge-offs
  • $1,224Cash dividends
  • $179Sale, conversion, retirement of capital stock, net
  • $280Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.89%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 4.38%Net interest margin
  • 1.18%Noninterest income to earning assets
  • 4.40%Noninterest expense to earning assets
  • 0.70%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 6.97%Return on equity (ROE)
  • 5.38%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 9.95%Efficiency ratio
  • 79,074Assets per employee
  • 2.70%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.88%Loss allowance to loans
  • 1.95%Loss allowance to noncurrent loans
  • 58.75%Noncurrent assets plus other real estate owned to assets
  • 2.66%Noncurrent loans to loans
  • 3.32%Net loans and leases to deposits
  • 53.76%Net loans and leases to core deposits
  • 55.48%Equity capital to assets
  • 10.51%Core capital (leverage) ratio
  • 10.45%Tier 1 risk-based capital ratio
  • 20.06%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $170,723Average earning assets
  • $17,562Average equity
  • $153,082Average loans

List of branches

  • 6 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02740Mcclain Bank131 West Main Street, Purcell, OK 73080March 08, 1922Full Service Brick and Mortar
    117537Third Street Branch200 North Third Street, Purcell, OK 73080May 07, 1984Limited Service Facility
    26085Lexington Branch101 East Broadway, Lexington, OK 73051Febuary 21, 1931Limited Service Facility
    3365650Norman Branch2900 West Lindsey, Norman, OK 73072October 15, 2002Full Service Brick and Mortar
    4459457Mobile Branch750 Canadian Trails Drive, Norman, OK 73072November 30, 2006Limited Service Mobile
    5461849Noble Branch213 N. Main Street, Noble, OK 73068March 26, 2007Full Service Brick and Mortar

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