The Pauls Valley National Bank in Pauls Valley, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Pauls Valley National Bank in Pauls Valley, Oklahoma (OK)
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The Pauls Valley National Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 60Total employees (full-time equivalent)
  • $214,286Total assets
  • $16,098Cash and due from depository institutions
  • $685Interest-bearing balances
  • $83,004Securities
  • $9,385Federal funds sold & reverse repurchase agreements
  • $91,534Net loans & leases
  • $1,430Loan loss allowance
  • $0Trading account assets
  • $3,809Bank premises and fixed assets
  • $151Other real estate owned
  • $0Goodwill and other intangibles
  • $214,286Life insurance assets
  • $10,305All other assets
  • $193,804Total liabilities and capital
  • $188,083Total liabilities
  • $151,849Total deposits
  • $188,083Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $3,721Subordinated debt
  • $20,482All other liabilities
  • $20,482Total equity capital
  • $20,482Total bank equity capital
  • $0Perpetual preferred stock
  • $98Common stock
  • $1,272Surplus
  • $19,112Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,607Income earned, not collected on loans
  • $0Earning assets
  • $1,464Long-term assets (5+ years)
  • $184,608Average Assets, year-to-date
  • $79,305Average Assets, quarterly
  • $211,540Volatile liabilities
  • $215,114Insider loans
  • $125,295FHLB advances
  • $215,134Loans and leases held for sale
  • $4,458Unused loan commitments
  • $4,458Tier 1 (core) risk-based capital
  • $18,867Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,476Restructured Loans and leases
  • $1,377Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,663Total interest income
  • $1,494Total interest expense
  • $8,169Net interest income
  • $455Provision for loan and lease losses
  • $1,566Total noninterest income
  • $0Fiduciary activities
  • $992Service charges on deposit accounts
  • $0Trading account gains & fees
  • $574Additional noninterest income
  • $7,001Total noninterest expense
  • $4,096Salaries and employee benefits
  • $851Premises and equipment expense
  • $2,054Additional noninterest expense
  • $2,279Pre-tax net operating income
  • $119Securities gains (losses)
  • $501Applicable income taxes
  • $1,897Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,897Net income attributable to bank
  • $0Net charge-offs
  • $1,897Cash dividends
  • $209Sale, conversion, retirement of capital stock, net
  • $741Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.25%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 4.44%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 3.80%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.13%Pretax return on assets
  • 9.84%Return on equity (ROE)
  • 5.99%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 217.70%Credit loss provision to net charge-offs
  • 13.08%Efficiency ratio
  • 71,916Assets per employee
  • 3.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.06%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 88.99%Noncurrent assets plus other real estate owned to assets
  • 0.82%Noncurrent loans to loans
  • 1.73%Net loans and leases to deposits
  • 48.67%Net loans and leases to core deposits
  • 56.45%Equity capital to assets
  • 9.56%Core capital (leverage) ratio
  • 8.77%Tier 1 risk-based capital ratio
  • 15.06%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $211,540Average earning assets
  • $19,285Average equity
  • $184,103Average loans

List of branches

  • 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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