The Community State Bank in Poteau, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Community State Bank - Overview

  • General
  • FDIC Certificate #: 20279
    Status: Active
    Federal Reserve ID: 706254
    Bank Holding Company (Regulatory Top Holder): Poteau Bancshares, Inc. (RSSDID: 2567404, Location: Poteau, OK)
    Date Established: October 19, 1970
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 13947
    FDIC's unique #: 13954
    Numeric code: 13
    Regulator: FED
    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: Commercial Lending Specialization
    Date of Deposit Insurance: October 19, 1970
    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: 1409 North Broadway, 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: $188.3 mil
    Equity capital: $17.3 mil
    Deposits held in domestic offices: $157.8 mil
    Return on assets (ROA): 0.96% ($1.8 mil)
    Quarterly return on assets: 0.73% ($1.4 mil)
    Return on Equity (ROE): 10.88% ($1.8 mil)
    Quarterly return on equity: 7.86% ($1.3 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.37% ($2,580.0 mil)
    Quarterly Pretax return on assets: 1.40% ($2,636.5 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
  • 90Total employees (full-time equivalent)
  • $188,320Total assets
  • $5,680Cash and due from depository institutions
  • $248Interest-bearing balances
  • $35,732Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $132,316Net loans & leases
  • $1,391Loan loss allowance
  • $0Trading account assets
  • $6,935Bank premises and fixed assets
  • $368Other real estate owned
  • $655Goodwill and other intangibles
  • $188,320Life insurance assets
  • $6,634All other assets
  • $170,997Total liabilities and capital
  • $157,789Total liabilities
  • $121,870Total deposits
  • $157,789Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 1688.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,166Trading liabilities
  • $0Other borrowed funds
  • $354Subordinated debt
  • $17,323All other liabilities
  • $17,323Total equity capital
  • $17,323Total bank equity capital
  • $0Perpetual preferred stock
  • $853Common stock
  • $3,979Surplus
  • $12,491Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $188Income earned, not collected on loans
  • $0Earning assets
  • $1,532Long-term assets (5+ years)
  • $168,296Average Assets, year-to-date
  • $65,584Average Assets, quarterly
  • $185,334Volatile liabilities
  • $186,827Insider loans
  • $134,018FHLB advances
  • $184,479Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,489Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,875Restructured Loans and leases
  • $3,434Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,064Total interest income
  • $1,414Total interest expense
  • $8,650Net interest income
  • $210Provision for loan and lease losses
  • $1,871Total noninterest income
  • $0Fiduciary activities
  • $1,655Service charges on deposit accounts
  • $0Trading account gains & fees
  • $216Additional noninterest income
  • $8,067Total noninterest expense
  • $4,582Salaries and employee benefits
  • $1,647Premises and equipment expense
  • $1,838Additional noninterest expense
  • $2,244Pre-tax net operating income
  • $304Securities gains (losses)
  • $760Applicable income taxes
  • $1,788Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,788Net income attributable to bank
  • $0Net charge-offs
  • $1,788Cash dividends
  • $219Sale, conversion, retirement of capital stock, net
  • $590Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.01%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 5.17%Net interest margin
  • 1.12%Noninterest income to earning assets
  • 4.82%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 10.88%Return on equity (ROE)
  • 7.29%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 95.89%Credit loss provision to net charge-offs
  • 11.21%Efficiency ratio
  • 76,675Assets per employee
  • 2.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.00%Loss allowance to loans
  • 1.04%Loss allowance to noncurrent loans
  • 739.89%Noncurrent assets plus other real estate owned to assets
  • 0.30%Noncurrent loans to loans
  • 0.14%Net loans and leases to deposits
  • 83.86%Net loans and leases to core deposits
  • 87.54%Equity capital to assets
  • 9.20%Core capital (leverage) ratio
  • 8.94%Tier 1 risk-based capital ratio
  • 12.30%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $185,334Average earning assets
  • $16,434Average equity
  • $167,466Average loans

List of branches

  • 5 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013954The Community State Bank1409 North Broadway, Poteau, OK 74953October 19, 1970Full Service Brick and Mortar
    2250633North Broadway Branch3108 North Broadway, Poteau, OK 74953October 30, 1995Full Service Retail
    31533The First State Bank Branch211 Plum Street, Wister, OK 74966April 01, 1909Full Service Brick and Mortar
    4357796Spiro Branch617 West Broadway, Spiro, OK 74959September 17, 1999Full Service Brick and Mortar
    5481555Talihina Branch902 Dallas St, Talihina, OK 74571October 23, 2008Full Service Brick and Mortar

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