The Central National Bank of Poteau in Poteau, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Central National Bank of Poteau - Overview

  • General
  • FDIC Certificate #: 4181
    Status: Active
    Federal Reserve ID: 459354
    Bank Holding Company (Regulatory Top Holder): Central Bancshares Of Poteau, Inc. (RSSDID: 1067411, Location: Poteau, OK)
    Date Established: January 01, 1902
    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: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 16114
    FDIC's unique #: 2736
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural 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: 209 Clayton Street, Poteau, OK 74953
    County: Le Flore
    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): Fort Smith, AR-OK (#22900)
    CBSA Metro Statistical Area: Fort Smith, AR-OK (#22900)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $226.7 mil
    Equity capital: $19.5 mil
    Deposits held in domestic offices: $205.3 mil
    Return on assets (ROA): 1.96% ($4.4 mil)
    Quarterly return on assets: 2.12% ($4.8 mil)
    Return on Equity (ROE): 21.94% ($4.4 mil)
    Quarterly return on equity: 23.11% ($4.6 mil)
    Net income: $4.2 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 1.96% ($4,443.8 mil)
    Quarterly Pretax return on assets: 2.12% ($4,806.5 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
  • 81Total employees (full-time equivalent)
  • $226,722Total assets
  • $10,176Cash and due from depository institutions
  • $3,879Interest-bearing balances
  • $86,731Securities
  • $15,535Federal funds sold & reverse repurchase agreements
  • $104,472Net loans & leases
  • $670Loan loss allowance
  • $0Trading account assets
  • $2,782Bank premises and fixed assets
  • $196Other real estate owned
  • $0Goodwill and other intangibles
  • $226,722Life insurance assets
  • $6,830All other assets
  • $207,209Total liabilities and capital
  • $205,313Total liabilities
  • $194,266Total deposits
  • $205,313Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,896Subordinated debt
  • $19,513All other liabilities
  • $19,513Total equity capital
  • $19,513Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $1,000Surplus
  • $18,013Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $664Income earned, not collected on loans
  • $258Earning assets
  • $1,909Long-term assets (5+ years)
  • $210,617Average Assets, year-to-date
  • $100,666Average Assets, quarterly
  • $213,884Volatile liabilities
  • $220,430Insider loans
  • $97,675FHLB advances
  • $215,996Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,872Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,548Restructured Loans and leases
  • $1,853Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,534Total interest income
  • $1,005Total interest expense
  • $8,529Net interest income
  • $236Provision for loan and lease losses
  • $1,825Total noninterest income
  • $0Fiduciary activities
  • $1,430Service charges on deposit accounts
  • $0Trading account gains & fees
  • $395Additional noninterest income
  • $5,960Total noninterest expense
  • $4,062Salaries and employee benefits
  • $500Premises and equipment expense
  • $1,398Additional noninterest expense
  • $4,158Pre-tax net operating income
  • $34Securities gains (losses)
  • $0Applicable income taxes
  • $4,192Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,192Net income attributable to bank
  • $0Net charge-offs
  • $4,192Cash dividends
  • $345Sale, conversion, retirement of capital stock, net
  • $3,162Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.78%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 4.28%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 1.94%Net operating income to assets
  • 1.96%Return on assets (ROA)
  • 1.96%Pretax return on assets
  • 21.94%Return on equity (ROE)
  • 5.39%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 68.41%Credit loss provision to net charge-offs
  • 12.74%Efficiency ratio
  • 57,562Assets per employee
  • 2.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.43%Loss allowance to loans
  • 0.64%Loss allowance to noncurrent loans
  • 100.90%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.63%Net loans and leases to deposits
  • 50.88%Net loans and leases to core deposits
  • 54.83%Equity capital to assets
  • 8.61%Core capital (leverage) ratio
  • 8.27%Tier 1 risk-based capital ratio
  • 18.30%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $213,884Average earning assets
  • $19,107Average equity
  • $199,351Average loans

List of branches

  • 6 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02736The Central National Bank Of Poteau209 Clayton Street, Poteau, OK 74953January 01, 1902Full Service Brick and Mortar
    1202360North Branch1907 N Broadway, Poteau, OK 74953April 14, 1980Full Service Brick and Mortar
    2202361Pocola Branch802 North Pocola Boulevard, Pocola, OK 74902Febuary 27, 1984Full Service Brick and Mortar
    3202362Panama BranchCorner Of Kentucky And Main, Panama, OK 74951March 23, 1989Full Service Brick and Mortar
    4357104Stigler Branch701 East Main, Stigler, OK 74462May 04, 2000Full Service Brick and Mortar
    5362528Heavener Branch78 West 1st Street, Heavener, OK 74937August 06, 2001Full Service Brick and Mortar

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