The Morris State Bank in Morris, Oklahoma (OK)

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The Morris State Bank
GeneralFDIC Certificate #: 429
Status: Active
Federal Reserve ID: 95659
Bank Holding Company (Regulatory Top Holder): Mabrey Bancorporation, Inc. (RSSDID: 2052777, Location: Okmulgee, OK)
Date Established: December 01, 1929
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 15929
FDIC's unique #: 331
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: Yes
Asset Concentration Hierarchy: Consumer Lending 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: 800 West Ozark Street, Morris, OK 74445
County: Okmulgee
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: $62.9 mil
Equity capital: $5.5 mil
Deposits held in domestic offices: $56.8 mil
Return on assets (ROA): 2.43% ($1.5 mil)
Quarterly return on assets: 2.29% ($1.4 mil)
Return on Equity (ROE): 27.29% ($1.4 mil)
Quarterly return on equity: 25.85% ($1.3 mil)
Net income: $1.5 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 2.43% ($1,527.8 mil)
Quarterly Pretax return on assets: 2.29% ($1,439.8 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$62,874
Cash and due from depository institutions$3,028
Interest-bearing balances$1,549
Federal funds sold & reverse repurchase agreements$25
Net loans & leases$49,701
Loan loss allowance $533
Trading account assets$0
Bank premises and fixed assets$1,912
Other real estate owned$57
Goodwill and other intangibles$11
All other assets$820
Life insurance assets$62,874
Total liabilities and capital$57,376
Total liabilities$56,805
Total deposits$46,566
Interest-bearing deposits$56,805
Deposits held in domestic offices$71
% insured (estimated)520.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $51
All other liabilities $5,498
Total equity capital$5,498
Total bank equity capital$5,498
Perpetual preferred stock$0
Common stock$100
Undivided profits $4,898
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 $647
Earning assets $0
Long-term assets (5+ years) $319
Average Assets, year-to-date $58,595
Average Assets, quarterly $26,158
Volatile liabilities $63,547
Insider loans $63,652
FHLB advances $42,916
Loans and leases held for sale $63,616
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,453
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $947
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,550
Total interest expense $507
Net interest income $3,043
Provision for loan and lease losses $127
Total noninterest income $569
Fiduciary activities $0
Service charges on deposit accounts $512
Trading account gains & fees $0
Additional noninterest income $57
Total noninterest expense $1,939
Salaries and employee benefits $985
Premises and equipment expense $318
Additional noninterest expense $636
Pre-tax net operating income $1,546
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,546
Extraordinary gains - net $0
Net income attributable to bank $1,546
Net charge-offs $0
Cash dividends $1,546
Sale, conversion, retirement of capital stock, net $116
Net operating income $1,600
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.00%
Cost of funding earning assets 0.86%
Net interest margin 5.14%
Noninterest income to earning assets 0.96%
Noninterest expense to earning assets 3.28%
Net operating income to assets 2.43%
Return on assets (ROA) 2.43%
Pretax return on assets 2.43%
Return on equity (ROE) 27.29%
Retained earnings to average equity (YTD only) -0.95%
Net charge-offs to loans 0.24%
Credit loss provision to net charge-offs 109.48%
Efficiency ratio14.42%
Assets per employee$53,682
Cash dividends to net income (YTD only)2.86%
Condition Ratios (%)
Loss allowance to loans 103.49%
Loss allowance to noncurrent loans 1.06%
Noncurrent assets plus other real estate owned to assets 82.38%
Noncurrent loans to loans 1.12%
Net loans and leases to deposits1.29%
Net loans and leases to core deposits 87.49%
Equity capital to assets 87.49%
Core capital (leverage) ratio 8.74%
Tier 1 risk-based capital ratio 8.57%
Total risk-based capital ratio 12.71%
Average assets$14
Average earning assets$63,547
Average equity $5,666
Average loans $59,150
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1 Oklahoma Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0331The Morris State Bank800 West Ozark Street, Morris, OK 74445December 01, 1929Full Service Brick and Mortar
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