The Carney State Bank in Carney, Oklahoma (OK)



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The Carney State Bank routing number info

Table of contents:
The Carney State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)6
Total assets$19,679
Cash and due from depository institutions$5,865
Interest-bearing balances$750
Securities$6,276
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$7,094
Loan loss allowance $66
Trading account assets$0
Bank premises and fixed assets$137
Other real estate owned$118
Goodwill and other intangibles$0
All other assets$189
Life insurance assets$19,679
Total liabilities and capital$17,890
Total liabilities$17,683
Total deposits$16,076
Interest-bearing deposits$17,683
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $207
All other liabilities $1,789
Total equity capital$1,789
Total bank equity capital$1,789
Perpetual preferred stock$0
Common stock$100
Surplus$300
Undivided profits $1,389
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $186
Earning assets $0
Long-term assets (5+ years) $86
Average Assets, year-to-date $14,120
Average Assets, quarterly $6,330
Volatile liabilities $19,077
Insider loans $19,578
FHLB advances $7,018
Loans and leases held for sale $19,883
Unused loan commitments $40
Tier 1 (core) risk-based capital $40
Tier 2 risk-based capital $1,489
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $310
Derivatives$1,035
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $793
Total interest expense $272
Net interest income $521
Provision for loan and lease losses $0
Total noninterest income $75
Fiduciary activities $0
Service charges on deposit accounts $62
Trading account gains & fees $0
Additional noninterest income $13
Total noninterest expense $769
Salaries and employee benefits $450
Premises and equipment expense $102
Additional noninterest expense $217
Pre-tax net operating income -$173
Securities gains (losses) $264
Applicable income taxes $20
Income before extraordinary items $71
Extraordinary gains - net $0
Net income attributable to bank $71
Net charge-offs $0
Cash dividends $71
Sale, conversion, retirement of capital stock, net $4
Net operating income $50
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.07%
Cost of funding earning assets 1.74%
Net interest margin 3.33%
Noninterest income to earning assets 0.48%
Noninterest expense to earning assets 4.91%
Net operating income to assets -0.71%
Return on assets (ROA) 0.37%
Pretax return on assets 0.48%
Return on equity (ROE) 4.13%
Retained earnings to average equity (YTD only) 1.22%
Net charge-offs to loans 0.06%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio-43.25%
Assets per employee$129,027
Cash dividends to net income (YTD only)3.28%
Condition Ratios (%)
Loss allowance to loans 70.42%
Loss allowance to noncurrent loans 0.92%
Noncurrent assets plus other real estate owned to assets 35.48%
Noncurrent loans to loans 1.54%
Net loans and leases to deposits2.60%
Net loans and leases to core deposits 40.12%
Equity capital to assets 40.12%
Core capital (leverage) ratio 9.09%
Tier 1 risk-based capital ratio 7.49%
Total risk-based capital ratio 21.22%
Memoranda
Average assets$22
Average earning assets$19,077
Average equity $1,718
Average loans $15,648
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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
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