The Idabel National Bank in Idabel, Oklahoma (OK)

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The Idabel National Bank
GeneralFDIC Certificate #: 4241
Status: Active
Federal Reserve ID: 237954
Bank Holding Company (Regulatory Top Holder): Southeast Capital Corporation Employee Stock Ownership Plan (RSSDID: 2107499, Location: Idabel, OK)
Date Established: Febuary 14, 1921
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: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 9416
FDIC's unique #: 2783
Numeric code: 3
Regulator: OCC
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: No
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: 1201 Southeast Washington, Idabel, OK 74745
County: Mccurtain
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $116.1 mil
Equity capital: $12.6 mil
Deposits held in domestic offices: $84.2 mil
Return on assets (ROA): 1.43% ($1.7 mil)
Quarterly return on assets: 1.22% ($1.4 mil)
Return on Equity (ROE): 14.41% ($1.9 mil)
Quarterly return on equity: 11.36% ($1.5 mil)
Net income: $1.6 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.43% ($1,660.1 mil)
Quarterly Pretax return on assets: 1.22% ($1,416.3 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)28
Total assets$116,092
Cash and due from depository institutions$3,365
Interest-bearing balances$655
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$57,332
Loan loss allowance $984
Trading account assets$0
Bank premises and fixed assets$930
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$2,864
Life insurance assets$116,093
Total liabilities and capital$103,470
Total liabilities$84,241
Total deposits$67,992
Interest-bearing deposits$84,241
Deposits held in domestic offices$81
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$18,000
Other borrowed funds $0
Subordinated debt $1,229
All other liabilities $12,623
Total equity capital$12,623
Total bank equity capital$12,623
Perpetual preferred stock$0
Common stock$500
Undivided profits $11,623
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 $492
Earning assets $375
Long-term assets (5+ years) $947
Average Assets, year-to-date $109,588
Average Assets, quarterly $43,461
Volatile liabilities $112,610
Insider loans $116,504
FHLB advances $64,476
Loans and leases held for sale $114,462
Unused loan commitments $397
Tier 1 (core) risk-based capital $397
Tier 2 risk-based capital $10,043
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,040
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,228
Total interest expense $1,046
Net interest income $4,182
Provision for loan and lease losses $720
Total noninterest income $610
Fiduciary activities $0
Service charges on deposit accounts $521
Trading account gains & fees $0
Additional noninterest income $89
Total noninterest expense $2,511
Salaries and employee benefits $1,298
Premises and equipment expense $332
Additional noninterest expense $881
Pre-tax net operating income $1,561
Securities gains (losses) $46
Applicable income taxes $0
Income before extraordinary items $1,607
Extraordinary gains - net $0
Net income attributable to bank $1,607
Net charge-offs $0
Cash dividends $1,607
Sale, conversion, retirement of capital stock, net $251
Net operating income $550
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.91%
Cost of funding earning assets 0.98%
Net interest margin 3.93%
Noninterest income to earning assets 0.57%
Noninterest expense to earning assets 2.36%
Net operating income to assets 1.39%
Return on assets (ROA) 1.43%
Pretax return on assets 1.43%
Return on equity (ROE) 14.41%
Retained earnings to average equity (YTD only) 9.48%
Net charge-offs to loans 0.45%
Credit loss provision to net charge-offs 286.85%
Efficiency ratio9.09%
Assets per employee$52,400
Cash dividends to net income (YTD only)4.15%
Condition Ratios (%)
Loss allowance to loans 34.23%
Loss allowance to noncurrent loans 1.69%
Noncurrent assets plus other real estate owned to assets 200.00%
Noncurrent loans to loans 0.42%
Net loans and leases to deposits0.84%
Net loans and leases to core deposits 68.06%
Equity capital to assets 78.22%
Core capital (leverage) ratio 10.87%
Tier 1 risk-based capital ratio 8.77%
Total risk-based capital ratio 15.58%
Average assets$17
Average earning assets$112,610
Average equity $11,155
Average loans $106,399
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1 Oklahoma Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02783The Idabel National Bank1201 Southeast Washington, Idabel, OK 74745Febuary 14, 1921Full Service Brick and Mortar
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