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



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The Central National Bank of Poteau
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)81
Total assets$226,722
Cash and due from depository institutions$10,176
Interest-bearing balances$3,879
Securities$86,731
Federal funds sold & reverse repurchase agreements$15,535
Net loans & leases$104,472
Loan loss allowance $670
Trading account assets$0
Bank premises and fixed assets$2,782
Other real estate owned$196
Goodwill and other intangibles$0
All other assets$6,830
Life insurance assets$226,722
Total liabilities and capital$207,209
Total liabilities$205,313
Total deposits$194,266
Interest-bearing deposits$205,313
Deposits held in domestic offices$78
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,896
All other liabilities $19,513
Total equity capital$19,513
Total bank equity capital$19,513
Perpetual preferred stock$0
Common stock$500
Surplus$1,000
Undivided profits $18,013
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 $664
Earning assets $258
Long-term assets (5+ years) $1,909
Average Assets, year-to-date $210,617
Average Assets, quarterly $100,666
Volatile liabilities $213,884
Insider loans $220,430
FHLB advances $97,675
Loans and leases held for sale $215,996
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $17,872
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $14,548
Derivatives$1,853
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,534
Total interest expense $1,005
Net interest income $8,529
Provision for loan and lease losses $236
Total noninterest income $1,825
Fiduciary activities $0
Service charges on deposit accounts $1,430
Trading account gains & fees $0
Additional noninterest income $395
Total noninterest expense $5,960
Salaries and employee benefits $4,062
Premises and equipment expense $500
Additional noninterest expense $1,398
Pre-tax net operating income $4,158
Securities gains (losses) $34
Applicable income taxes $0
Income before extraordinary items $4,192
Extraordinary gains - net $0
Net income attributable to bank $4,192
Net charge-offs $0
Cash dividends $4,192
Sale, conversion, retirement of capital stock, net $345
Net operating income $3,162
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.78%
Cost of funding earning assets 0.50%
Net interest margin 4.28%
Noninterest income to earning assets 0.92%
Noninterest expense to earning assets 2.99%
Net operating income to assets 1.94%
Return on assets (ROA) 1.96%
Pretax return on assets 1.96%
Return on equity (ROE) 21.94%
Retained earnings to average equity (YTD only) 5.39%
Net charge-offs to loans 0.33%
Credit loss provision to net charge-offs 68.41%
Efficiency ratio12.74%
Assets per employee$57,562
Cash dividends to net income (YTD only)2.80%
Condition Ratios (%)
Loss allowance to loans 75.43%
Loss allowance to noncurrent loans 0.64%
Noncurrent assets plus other real estate owned to assets 100.90%
Noncurrent loans to loans 0.38%
Net loans and leases to deposits0.63%
Net loans and leases to core deposits 50.88%
Equity capital to assets 54.83%
Core capital (leverage) ratio 8.61%
Tier 1 risk-based capital ratio 8.27%
Total risk-based capital ratio 18.30%
Memoranda
Average assets$19
Average earning assets$213,884
Average equity $19,107
Average loans $199,351
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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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