The Central National Bank of Poteau in city_name, state_name

The Central National Bank of Poteau in Poteau, Oklahoma (OK)
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The Central National Bank of Poteau routing number info

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
WWW: http://www.cnbpoteau.com
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

No	ID	Name	Address	Established	Service Type
0	2736	The Central National Bank Of Poteau	209 Clayton Street, Poteau, OK 74953	January 01, 1902	Full Service Brick and Mortar
1	202360	North Branch	1907 N Broadway, Poteau, OK 74953	April 14, 1980	Full Service Brick and Mortar
2	202361	Pocola Branch	802 North Pocola Boulevard, Pocola, OK 74902	Febuary 27, 1984	Full Service Brick and Mortar
3	202362	Panama Branch	Corner Of Kentucky And Main, Panama, OK 74951	March 23, 1989	Full Service Brick and Mortar
4	357104	Stigler Branch	701 East Main, Stigler, OK 74462	May 04, 2000	Full Service Brick and Mortar
5	362528	Heavener Branch	78 West 1st Street, Heavener, OK 74937	August 06, 2001	Full Service Brick and Mortar

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

The Central National Bank of Poteau - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

The Central National Bank of Poteau - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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