The Community State Bank in Poteau, Oklahoma (OK)

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The Community State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)90
Total assets$188,320
Cash and due from depository institutions$5,680
Interest-bearing balances$248
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$132,316
Loan loss allowance $1,391
Trading account assets$0
Bank premises and fixed assets$6,935
Other real estate owned$368
Goodwill and other intangibles$655
All other assets$6,634
Life insurance assets$188,320
Total liabilities and capital$170,997
Total liabilities$157,789
Total deposits$121,870
Interest-bearing deposits$157,789
Deposits held in domestic offices$94
% insured (estimated)1688.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$11,166
Other borrowed funds $0
Subordinated debt $354
All other liabilities $17,323
Total equity capital$17,323
Total bank equity capital$17,323
Perpetual preferred stock$0
Common stock$853
Undivided profits $12,491
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 $188
Earning assets $0
Long-term assets (5+ years) $1,532
Average Assets, year-to-date $168,296
Average Assets, quarterly $65,584
Volatile liabilities $185,334
Insider loans $186,827
FHLB advances $134,018
Loans and leases held for sale $184,479
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $16,489
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $16,875
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,064
Total interest expense $1,414
Net interest income $8,650
Provision for loan and lease losses $210
Total noninterest income $1,871
Fiduciary activities $0
Service charges on deposit accounts $1,655
Trading account gains & fees $0
Additional noninterest income $216
Total noninterest expense $8,067
Salaries and employee benefits $4,582
Premises and equipment expense $1,647
Additional noninterest expense $1,838
Pre-tax net operating income $2,244
Securities gains (losses) $304
Applicable income taxes $760
Income before extraordinary items $1,788
Extraordinary gains - net $0
Net income attributable to bank $1,788
Net charge-offs $0
Cash dividends $1,788
Sale, conversion, retirement of capital stock, net $219
Net operating income $590
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.01%
Cost of funding earning assets 0.84%
Net interest margin 5.17%
Noninterest income to earning assets 1.12%
Noninterest expense to earning assets 4.82%
Net operating income to assets 0.85%
Return on assets (ROA) 0.96%
Pretax return on assets 1.37%
Return on equity (ROE) 10.88%
Retained earnings to average equity (YTD only) 7.29%
Net charge-offs to loans 0.16%
Credit loss provision to net charge-offs 95.89%
Efficiency ratio11.21%
Assets per employee$76,675
Cash dividends to net income (YTD only)2.09%
Condition Ratios (%)
Loss allowance to loans 33.00%
Loss allowance to noncurrent loans 1.04%
Noncurrent assets plus other real estate owned to assets 739.89%
Noncurrent loans to loans 0.30%
Net loans and leases to deposits0.14%
Net loans and leases to core deposits 83.86%
Equity capital to assets 87.54%
Core capital (leverage) ratio 9.20%
Tier 1 risk-based capital ratio 8.94%
Total risk-based capital ratio 12.30%
Average assets$13
Average earning assets$185,334
Average equity $16,434
Average loans $167,466
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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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