The Carney State Bank in Carney, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Carney State Bank - Overview

  • General
  • FDIC Certificate #: 18263
    Status: Active
    Federal Reserve ID: 264156
    Date Established: September 20, 1902
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 12179
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: June 15, 1960
    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: Santa Fe And U.S. Highway 177, Carney, OK 74832
    County: Lincoln
    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
    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: $19.7 mil
    Equity capital: $1.8 mil
    Deposits held in domestic offices: $17.7 mil
    Return on assets (ROA): 0.37% ($0.1 mil)
    Quarterly return on assets: -1.98% (-$0.4 mil)
    Return on Equity (ROE): 4.13% ($0.1 mil)
    Quarterly return on equity: -20.93% (-$0.4 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.48% ($94.5 mil)
    Quarterly Pretax return on assets: -1.98% (-$389.6 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
  • 6Total employees (full-time equivalent)
  • $19,679Total assets
  • $5,865Cash and due from depository institutions
  • $750Interest-bearing balances
  • $6,276Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $7,094Net loans & leases
  • $66Loan loss allowance
  • $0Trading account assets
  • $137Bank premises and fixed assets
  • $118Other real estate owned
  • $0Goodwill and other intangibles
  • $19,679Life insurance assets
  • $189All other assets
  • $17,890Total liabilities and capital
  • $17,683Total liabilities
  • $16,076Total deposits
  • $17,683Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $207Subordinated debt
  • $1,789All other liabilities
  • $1,789Total equity capital
  • $1,789Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $300Surplus
  • $1,389Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $186Income earned, not collected on loans
  • $0Earning assets
  • $86Long-term assets (5+ years)
  • $14,120Average Assets, year-to-date
  • $6,330Average Assets, quarterly
  • $19,077Volatile liabilities
  • $19,578Insider loans
  • $7,018FHLB advances
  • $19,883Loans and leases held for sale
  • $40Unused loan commitments
  • $40Tier 1 (core) risk-based capital
  • $1,489Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $310Restructured Loans and leases
  • $1,035Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $793Total interest income
  • $272Total interest expense
  • $521Net interest income
  • $0Provision for loan and lease losses
  • $75Total noninterest income
  • $0Fiduciary activities
  • $62Service charges on deposit accounts
  • $0Trading account gains & fees
  • $13Additional noninterest income
  • $769Total noninterest expense
  • $450Salaries and employee benefits
  • $102Premises and equipment expense
  • $217Additional noninterest expense
  • -$173Pre-tax net operating income
  • $264Securities gains (losses)
  • $20Applicable income taxes
  • $71Income before extraordinary items
  • $0Extraordinary gains - net
  • $71Net income attributable to bank
  • $0Net charge-offs
  • $71Cash dividends
  • $4Sale, conversion, retirement of capital stock, net
  • $50Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.07%Yield on earning assets
  • 1.74%Cost of funding earning assets
  • 3.33%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 4.91%Noninterest expense to earning assets
  • -0.71%Net operating income to assets
  • 0.37%Return on assets (ROA)
  • 0.48%Pretax return on assets
  • 4.13%Return on equity (ROE)
  • 1.22%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • -43.25%Efficiency ratio
  • 129,027Assets per employee
  • 3.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.42%Loss allowance to loans
  • 0.92%Loss allowance to noncurrent loans
  • 35.48%Noncurrent assets plus other real estate owned to assets
  • 1.54%Noncurrent loans to loans
  • 2.60%Net loans and leases to deposits
  • 40.12%Net loans and leases to core deposits
  • 40.12%Equity capital to assets
  • 9.09%Core capital (leverage) ratio
  • 7.49%Tier 1 risk-based capital ratio
  • 21.22%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $19,077Average earning assets
  • $1,718Average equity
  • $15,648Average loans

List of branches

  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012179The Carney State BankSanta Fe And U.S. Highway 177, Carney, OK 74832September 20, 1902Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

Could not connect to database: Access denied for user 'buser'@'' (using password: YES)

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Carney State Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents