McCurtain County National Bank in Broken Bow, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • McCurtain County National Bank in Broken Bow, Oklahoma (OK)
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McCurtain County National Bank - Overview

  • General
  • FDIC Certificate #: 23798
    Status: Active
    Federal Reserve ID: 423159
    Bank Holding Company (Regulatory Top Holder): Mccurtain County Bancshares, Inc. (RSSDID: 2642196, Location: Idabel, OK)
    Date Established: April 23, 1982
    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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 14781
    FDIC's unique #: 16635
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 23, 1982
    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: 20 North Park Drive, Broken Bow, OK 74728
    County: Mccurtain
    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: $173.6 mil
    Equity capital: $15.8 mil
    Deposits held in domestic offices: $157.5 mil
    Return on assets (ROA): 1.10% ($1.9 mil)
    Quarterly return on assets: 0.79% ($1.4 mil)
    Return on Equity (ROE): 12.25% ($2.0 mil)
    Quarterly return on equity: 8.66% ($1.4 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.65% ($2,864.0 mil)
    Quarterly Pretax return on assets: 1.19% ($2,065.5 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
  • 45Total employees (full-time equivalent)
  • $173,575Total assets
  • $5,545Cash and due from depository institutions
  • $0Interest-bearing balances
  • $15,663Securities
  • $33,587Federal funds sold & reverse repurchase agreements
  • $110,786Net loans & leases
  • $1,600Loan loss allowance
  • $0Trading account assets
  • $4,432Bank premises and fixed assets
  • $692Other real estate owned
  • $0Goodwill and other intangibles
  • $173,575Life insurance assets
  • $2,870All other assets
  • $157,821Total liabilities and capital
  • $157,508Total liabilities
  • $126,418Total deposits
  • $157,508Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $313Subordinated debt
  • $15,754All other liabilities
  • $15,754Total equity capital
  • $15,754Total bank equity capital
  • $0Perpetual preferred stock
  • $726Common stock
  • $2,226Surplus
  • $12,802Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $999Income earned, not collected on loans
  • $0Earning assets
  • $861Long-term assets (5+ years)
  • $160,036Average Assets, year-to-date
  • $4,435Average Assets, quarterly
  • $166,168Volatile liabilities
  • $172,150Insider loans
  • $116,671FHLB advances
  • $170,585Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,647Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $671Restructured Loans and leases
  • $976Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,425Total interest income
  • $1,594Total interest expense
  • $5,831Net interest income
  • $441Provision for loan and lease losses
  • $1,427Total noninterest income
  • $0Fiduciary activities
  • $796Service charges on deposit accounts
  • $0Trading account gains & fees
  • $631Additional noninterest income
  • $4,074Total noninterest expense
  • $2,168Salaries and employee benefits
  • $565Premises and equipment expense
  • $1,341Additional noninterest expense
  • $2,743Pre-tax net operating income
  • $0Securities gains (losses)
  • $913Applicable income taxes
  • $1,830Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,830Net income attributable to bank
  • $0Net charge-offs
  • $1,830Cash dividends
  • $219Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 1.04%Cost of funding earning assets
  • 3.79%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 2.65%Noninterest expense to earning assets
  • 1.10%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.65%Pretax return on assets
  • 12.25%Return on equity (ROE)
  • 12.25%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 201.37%Credit loss provision to net charge-offs
  • 14.54%Efficiency ratio
  • 56,131Assets per employee
  • 3.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 160.16%Noncurrent assets plus other real estate owned to assets
  • 0.97%Noncurrent loans to loans
  • 0.89%Net loans and leases to deposits
  • 70.34%Net loans and leases to core deposits
  • 76.68%Equity capital to assets
  • 9.08%Core capital (leverage) ratio
  • 9.17%Tier 1 risk-based capital ratio
  • 13.41%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $166,168Average earning assets
  • $14,936Average equity
  • $153,981Average loans

List of branches

  • 3 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016635Mccurtain County National Bank20 North Park Drive, Broken Bow, OK 74728April 23, 1982Full Service Brick and Mortar
    1441941Idabel Branch1501 S.E. Washington St, Idabel, OK 74745March 30, 1998Full Service Brick and Mortar
    2445185Valliant Branch101 West Wilson Street, Valliant, OK 74764September 12, 2005Full Service Brick and Mortar

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