The Cleveland Bank in Cleveland, Oklahoma (OK)

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The Cleveland Bank
GeneralFDIC Certificate #: 4065
Status: Active
Federal Reserve ID: 1005459
Bank Holding Company (Regulatory Top Holder): Highland Ban-Corp., Inc., The (RSSDID: 1061277, Location: Cleveland, OK)
Date Established: January 01, 1904
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 2640
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: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
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: 100 North Broadway, Cleveland, OK 74020
County: Pawnee
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): Tulsa-Bartlesville, OK (#538)
Core Based Statistical Area (CBSA): Tulsa, OK (#46140)
CBSA Metro Statistical Area: Tulsa, OK (#46140)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $60.3 mil
Equity capital: $4.7 mil
Deposits held in domestic offices: $55.6 mil
Return on assets (ROA): 0.78% ($0.5 mil)
Quarterly return on assets: 0.76% ($0.5 mil)
Return on Equity (ROE): 9.58% ($0.5 mil)
Quarterly return on equity: 9.35% ($0.5 mil)
Net income: $0.5 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.78% ($470.6 mil)
Quarterly Pretax return on assets: 0.76% ($458.6 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)22
Total assets$60,336
Cash and due from depository institutions$1,441
Interest-bearing balances$45
Federal funds sold & reverse repurchase agreements$7,248
Net loans & leases$33,268
Loan loss allowance $255
Trading account assets$0
Bank premises and fixed assets$2,058
Other real estate owned$364
Goodwill and other intangibles$0
All other assets$617
Life insurance assets$60,336
Total liabilities and capital$55,639
Total liabilities$55,612
Total deposits$45,079
Interest-bearing deposits$55,612
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $27
All other liabilities $4,697
Total equity capital$4,697
Total bank equity capital$4,697
Perpetual preferred stock$0
Common stock$300
Undivided profits $3,581
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 $350
Earning assets $0
Long-term assets (5+ years) $321
Average Assets, year-to-date $55,901
Average Assets, quarterly $9,341
Volatile liabilities $58,205
Insider loans $59,622
FHLB advances $35,916
Loans and leases held for sale $58,864
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,308
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,965
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,506
Total interest expense $424
Net interest income $2,082
Provision for loan and lease losses $120
Total noninterest income $396
Fiduciary activities $0
Service charges on deposit accounts $362
Trading account gains & fees $0
Additional noninterest income $34
Total noninterest expense $1,974
Salaries and employee benefits $1,070
Premises and equipment expense $271
Additional noninterest expense $633
Pre-tax net operating income $384
Securities gains (losses) $68
Applicable income taxes $0
Income before extraordinary items $452
Extraordinary gains - net $0
Net income attributable to bank $452
Net charge-offs $0
Cash dividends $452
Sale, conversion, retirement of capital stock, net $108
Net operating income $325
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.67%
Cost of funding earning assets 0.79%
Net interest margin 3.88%
Noninterest income to earning assets 0.74%
Noninterest expense to earning assets 3.68%
Net operating income to assets 0.66%
Return on assets (ROA) 0.78%
Pretax return on assets 0.78%
Return on equity (ROE) 9.58%
Retained earnings to average equity (YTD only) 2.69%
Net charge-offs to loans 0.34%
Credit loss provision to net charge-offs 111.11%
Efficiency ratio4.67%
Assets per employee$79,661
Cash dividends to net income (YTD only)2.74%
Condition Ratios (%)
Loss allowance to loans 71.90%
Loss allowance to noncurrent loans 0.76%
Noncurrent assets plus other real estate owned to assets 72.86%
Noncurrent loans to loans 1.18%
Net loans and leases to deposits1.04%
Net loans and leases to core deposits 59.82%
Equity capital to assets 61.22%
Core capital (leverage) ratio 7.78%
Tier 1 risk-based capital ratio 7.32%
Total risk-based capital ratio 11.99%
Average assets$13
Average earning assets$58,205
Average equity $4,717
Average loans $53,662
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2 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02640The Cleveland Bank100 North Broadway, Cleveland, OK 74020January 01, 1904Full Service Brick and Mortar
1202271Drive-In Branch100 North Broadway, Cleveland, OK 74020October 16, 1967Limited Service Facility
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