The Bank, National Association in Mcalester, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Bank, National Association - Overview

  • General
  • FDIC Certificate #: 4146
    Status: Active
    Federal Reserve ID: 829050
    Bank Holding Company (Regulatory Top Holder): Nbm Corporation (RSSDID: 1056684, Location: Mcalester, OK)
    Date Established: May 17, 1927
    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: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 17723
    FDIC's unique #: 2706
    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: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    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: Second And Carl Albert Parkway, Mcalester, OK 74501
    County: Pittsburg
    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
    Core Based Statistical Area (CBSA): McAlester, OK (#32540)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $387.0 mil
    Equity capital: $35.4 mil
    Deposits held in domestic offices: $346.6 mil
    Return on assets (ROA): 1.48% ($5.7 mil)
    Quarterly return on assets: 1.04% ($4.0 mil)
    Return on Equity (ROE): 16.46% ($5.8 mil)
    Quarterly return on equity: 11.04% ($3.9 mil)
    Net income: $5.6 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.48% ($5,726.9 mil)
    Quarterly Pretax return on assets: 1.04% ($4,024.3 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
  • 110Total employees (full-time equivalent)
  • $386,956Total assets
  • $9,878Cash and due from depository institutions
  • $0Interest-bearing balances
  • $183,455Securities
  • $12,395Federal funds sold & reverse repurchase agreements
  • $164,187Net loans & leases
  • $3,100Loan loss allowance
  • $0Trading account assets
  • $10,097Bank premises and fixed assets
  • $2,081Other real estate owned
  • $0Goodwill and other intangibles
  • $386,956Life insurance assets
  • $4,863All other assets
  • $351,594Total liabilities and capital
  • $346,550Total liabilities
  • $312,133Total deposits
  • $346,550Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,982Trading liabilities
  • $0Other borrowed funds
  • $1,062Subordinated debt
  • $35,362All other liabilities
  • $35,362Total equity capital
  • $35,362Total bank equity capital
  • $0Perpetual preferred stock
  • $628Common stock
  • $779Surplus
  • $33,955Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,258Income earned, not collected on loans
  • $0Earning assets
  • $1,892Long-term assets (5+ years)
  • $360,037Average Assets, year-to-date
  • $227,096Average Assets, quarterly
  • $380,549Volatile liabilities
  • $381,367Insider loans
  • $192,915FHLB advances
  • $373,933Loans and leases held for sale
  • $460Unused loan commitments
  • $460Tier 1 (core) risk-based capital
  • $33,740Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,509Restructured Loans and leases
  • $3,028Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,282Total interest income
  • $2,767Total interest expense
  • $13,515Net interest income
  • -$203Provision for loan and lease losses
  • $3,785Total noninterest income
  • $0Fiduciary activities
  • $1,937Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,848Additional noninterest income
  • $11,864Total noninterest expense
  • $5,723Salaries and employee benefits
  • $1,526Premises and equipment expense
  • $4,615Additional noninterest expense
  • $5,639Pre-tax net operating income
  • -$7Securities gains (losses)
  • $0Applicable income taxes
  • $5,632Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,632Net income attributable to bank
  • $0Net charge-offs
  • $5,632Cash dividends
  • -$103Sale, conversion, retirement of capital stock, net
  • $4,703Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.58%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 3.81%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 3.34%Noninterest expense to earning assets
  • 1.48%Net operating income to assets
  • 1.48%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 16.46%Return on equity (ROE)
  • 2.72%Retained earnings to average equity (YTD only)
  • -0.06%Net charge-offs to loans
  • 197.09%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 68,578Assets per employee
  • 3.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.50%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 137.29%Noncurrent assets plus other real estate owned to assets
  • 1.12%Noncurrent loans to loans
  • 1.35%Net loans and leases to deposits
  • 47.38%Net loans and leases to core deposits
  • 49.08%Equity capital to assets
  • 9.14%Core capital (leverage) ratio
  • 9.02%Tier 1 risk-based capital ratio
  • 17.49%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $380,549Average earning assets
  • $34,206Average equity
  • $355,150Average loans

List of branches

  • 8 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02706The Bank, National AssociationSecond And Carl Albert Parkway, Mcalester, OK 74501May 17, 1927Full Service Brick and Mortar
    1202324FacilityU S Naval Ammunition Depot, Mcalester Naval Depot, OK 74501October 29, 1943Limited Service Military Facility
    2202325Mcalester Branch1701 1/2 Carl Albert Parkway, Mcalester, OK 74501June 18, 1984Full Service Brick and Mortar
    413322West Seventh Street Branch1701 East Highway, Holdenville, OK 74848December 06, 1965Full Service Brick and Mortar
    512398Maud Branch206 West Wanda Jackson Boulevard, Maud, OK 74854April 26, 1962Full Service Brick and Mortar
    6202326North Boomer Road Branch1020 North Boomer Road, Stillwater, OK 74075November 18, 1991Full Service Brick and Mortar
    7202327Walmart Branch4568 Bypass, Mcalester, OK 74501July 21, 1993Full Service Brick and Mortar
    8419441West 6th Avenue Branch800 West 6th Avenue, Stillwater, OK 74074June 30, 2003Full Service Brick and Mortar

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