The Bank of Beaver City in Beaver, Oklahoma (OK), KS
Overview, Financial Summary, Detailed Financial Reports, Branches


The Bank of Beaver City - Overview

  • General
  • FDIC Certificate #: 11862
    Status: Active
    Federal Reserve ID: 137456
    Bank Holding Company (Regulatory Top Holder): Beaver Bancorp, Inc. (RSSDID: 1066263, Location: Beaver, OK)
    Date Established: January 01, 1902
    WWW: http://www.bankofbeaver.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: Yes)
    OTS Docket #: 52586
    FDIC's unique #: 7579
    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: Yes
    Asset Concentration Hierarchy: Commercial 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: 130 Douglas, Beaver, OK 73932
    County: Beaver
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $138.4 mil
    Equity capital: $10.7 mil
    Deposits held in domestic offices: $124.4 mil
    Return on assets (ROA): 1.61% ($2.2 mil)
    Quarterly return on assets: 2.16% ($3.0 mil)
    Return on Equity (ROE): 22.29% ($2.5 mil)
    Quarterly return on equity: 28.04% ($3.1 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.61% ($2,228.5 mil)
    Quarterly Pretax return on assets: 2.16% ($2,989.8 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
  • 28Total employees (full-time equivalent)
  • $138,417Total assets
  • $5,024Cash and due from depository institutions
  • $1,031Interest-bearing balances
  • $43,334Securities
  • $2,739Federal funds sold & reverse repurchase agreements
  • $81,408Net loans & leases
  • $1,545Loan loss allowance
  • $0Trading account assets
  • $2,143Bank premises and fixed assets
  • $124Other real estate owned
  • $0Goodwill and other intangibles
  • $138,417Life insurance assets
  • $3,645All other assets
  • $127,675Total liabilities and capital
  • $124,396Total liabilities
  • $109,679Total deposits
  • $124,396Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,711Trading liabilities
  • $0Other borrowed funds
  • $568Subordinated debt
  • $10,742All other liabilities
  • $10,742Total equity capital
  • $10,742Total bank equity capital
  • $0Perpetual preferred stock
  • $650Common stock
  • $3,650Surplus
  • $6,442Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,284Income earned, not collected on loans
  • $0Earning assets
  • $615Long-term assets (5+ years)
  • $128,512Average Assets, year-to-date
  • $70,675Average Assets, quarterly
  • $138,986Volatile liabilities
  • $138,131Insider loans
  • $86,898FHLB advances
  • $139,306Loans and leases held for sale
  • $1,867Unused loan commitments
  • $1,867Tier 1 (core) risk-based capital
  • $10,066Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,322Restructured Loans and leases
  • $425Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,751Total interest income
  • $1,767Total interest expense
  • $4,984Net interest income
  • $190Provision for loan and lease losses
  • $601Total noninterest income
  • $0Fiduciary activities
  • $219Service charges on deposit accounts
  • $0Trading account gains & fees
  • $382Additional noninterest income
  • $3,473Total noninterest expense
  • $1,744Salaries and employee benefits
  • $621Premises and equipment expense
  • $1,108Additional noninterest expense
  • $1,922Pre-tax net operating income
  • $318Securities gains (losses)
  • $0Applicable income taxes
  • $2,240Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,240Net income attributable to bank
  • $0Net charge-offs
  • $2,240Cash dividends
  • -$440Sale, conversion, retirement of capital stock, net
  • $1,526Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 1.36%Cost of funding earning assets
  • 3.83%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.67%Noninterest expense to earning assets
  • 1.38%Net operating income to assets
  • 1.61%Return on assets (ROA)
  • 1.61%Pretax return on assets
  • 22.29%Return on equity (ROE)
  • 7.10%Retained earnings to average equity (YTD only)
  • -0.53%Net charge-offs to loans
  • -43.18%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 62,184Assets per employee
  • 4.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.13%Loss allowance to loans
  • 1.86%Loss allowance to noncurrent loans
  • 120.33%Noncurrent assets plus other real estate owned to assets
  • 1.02%Noncurrent loans to loans
  • 1.55%Net loans and leases to deposits
  • 65.44%Net loans and leases to core deposits
  • 71.41%Equity capital to assets
  • 7.76%Core capital (leverage) ratio
  • 7.23%Tier 1 risk-based capital ratio
  • 11.58%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $138,986Average earning assets
  • $10,049Average equity
  • $130,031Average loans

List of branches

  • 1 Kansas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    3465876Liberal Branch Office Branch10 E Tucker Road, Liberal, KS 67901Febuary 20, 2007Full Service Brick and Mortar
  • 3 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07579The Bank Of Beaver City130 Douglas, Beaver, OK 73932January 01, 1902Full Service Brick and Mortar
    1225836Turpin BranchHill And Main Streets, Turpin, OK 73950October 12, 1984Full Service Brick and Mortar
    24072Forgan BranchMain And Broadway, Forgan, OK 73938January 01, 1912Limited Service Facility

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