The Pauls Valley National Bank in Pauls Valley, Oklahoma (OK)

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The Pauls Valley National Bank
GeneralFDIC Certificate #: 4173
Status: Active
Federal Reserve ID: 454658
Bank Holding Company (Regulatory Top Holder): Valley Bancshares Incorporated (RSSDID: 1062715, Location: Pauls Valley, OK)
Date Established: January 01, 1905
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: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 11322
FDIC's unique #: 2731
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: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 11, 2011
Last Structure Change Process Date: March 14, 2011
Last Data Update: March 14, 2011
Data Source Date: April 05, 2012
LocationAddress: 101 West Paul Avenue, Pauls Valley, OK 73075
County: Garvin
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Oklahoma City
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
History of ChangesParticipated in FDIC Assisted Absorption/Consolidation/Merger
Financial SummaryTotal assets: $214.3 mil
Equity capital: $20.5 mil
Deposits held in domestic offices: $188.1 mil
Return on assets (ROA): 0.90% ($1.9 mil)
Quarterly return on assets: 0.74% ($1.6 mil)
Return on Equity (ROE): 9.84% ($2.0 mil)
Quarterly return on equity: 7.79% ($1.6 mil)
Net income: $1.9 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.13% ($2,421.4 mil)
Quarterly Pretax return on assets: 0.52% ($1,114.3 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)60
Total assets$214,286
Cash and due from depository institutions$16,098
Interest-bearing balances$685
Federal funds sold & reverse repurchase agreements$9,385
Net loans & leases$91,534
Loan loss allowance $1,430
Trading account assets$0
Bank premises and fixed assets$3,809
Other real estate owned$151
Goodwill and other intangibles$0
All other assets$10,305
Life insurance assets$214,286
Total liabilities and capital$193,804
Total liabilities$188,083
Total deposits$151,849
Interest-bearing deposits$188,083
Deposits held in domestic offices$87
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,000
Other borrowed funds $0
Subordinated debt $3,721
All other liabilities $20,482
Total equity capital$20,482
Total bank equity capital$20,482
Perpetual preferred stock$0
Common stock$98
Undivided profits $19,112
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 $1,607
Earning assets $0
Long-term assets (5+ years) $1,464
Average Assets, year-to-date $184,608
Average Assets, quarterly $79,305
Volatile liabilities $211,540
Insider loans $215,114
FHLB advances $125,295
Loans and leases held for sale $215,134
Unused loan commitments $4,458
Tier 1 (core) risk-based capital $4,458
Tier 2 risk-based capital $18,867
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,476
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,663
Total interest expense $1,494
Net interest income $8,169
Provision for loan and lease losses $455
Total noninterest income $1,566
Fiduciary activities $0
Service charges on deposit accounts $992
Trading account gains & fees $0
Additional noninterest income $574
Total noninterest expense $7,001
Salaries and employee benefits $4,096
Premises and equipment expense $851
Additional noninterest expense $2,054
Pre-tax net operating income $2,279
Securities gains (losses) $119
Applicable income taxes $501
Income before extraordinary items $1,897
Extraordinary gains - net $0
Net income attributable to bank $1,897
Net charge-offs $0
Cash dividends $1,897
Sale, conversion, retirement of capital stock, net $209
Net operating income $741
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.25%
Cost of funding earning assets 0.81%
Net interest margin 4.44%
Noninterest income to earning assets 0.85%
Noninterest expense to earning assets 3.80%
Net operating income to assets 0.85%
Return on assets (ROA) 0.90%
Pretax return on assets 1.13%
Return on equity (ROE) 9.84%
Retained earnings to average equity (YTD only) 5.99%
Net charge-offs to loans 0.23%
Credit loss provision to net charge-offs 217.70%
Efficiency ratio13.08%
Assets per employee$71,916
Cash dividends to net income (YTD only)3.57%
Condition Ratios (%)
Loss allowance to loans 39.06%
Loss allowance to noncurrent loans 1.54%
Noncurrent assets plus other real estate owned to assets 88.99%
Noncurrent loans to loans 0.82%
Net loans and leases to deposits1.73%
Net loans and leases to core deposits 48.67%
Equity capital to assets 56.45%
Core capital (leverage) ratio 9.56%
Tier 1 risk-based capital ratio 8.77%
Total risk-based capital ratio 15.06%
Average assets$16
Average earning assets$211,540
Average equity $19,285
Average loans $184,103
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6 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02731The Pauls Valley National Bank101 West Paul Avenue, Pauls Valley, OK 73075January 01, 1905Full Service Brick and Mortar
1202356Motor Bank Branch217 West Paul, Pauls Valley, OK 73075June 15, 1978Limited Service Facility
2362078Www.Pvnational.com101 W. Paul, Pauls Valley, OK 73075April 01, 2001Full Service Cyber
3363921Pauls Valley Branch101 N. Indian Meridian Road, Pauls Valley, OK 73075May 13, 2002Full Service Brick and Mortar
4473068The Elmore City Branch207 East Lindsey, Elmore City, OK 73433January 22, 2008Full Service Brick and Mortar
52651The First National Bank Of Davis Bra227 East Main, Davis, OK 73030January 01, 1895Full Service Brick and Mortar
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