The Peoples National Bank of Checotah in Checotah, Oklahoma (OK)



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The Peoples National Bank of Checotah routing number info

Table of contents:
The Peoples National Bank of Checotah
GeneralFDIC Certificate #: 4059
Status: Active
Federal Reserve ID: 942454
Bank Holding Company (Regulatory Top Holder): Peoples National Bancshares Of Checotah, Inc. (RSSDID: 1066852, Location: Checotah, OK)
Date Established: January 01, 1911
WWW: http://www.peoplesok.com
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: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 52099
FDIC's unique #: 2634
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: Broadway And Gentry, Checotah, OK 74426
County: Mcintosh
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: $124.0 mil
Equity capital: $19.6 mil
Deposits held in domestic offices: $101.8 mil
Return on assets (ROA): 1.74% ($2.2 mil)
Quarterly return on assets: 1.99% ($2.5 mil)
Return on Equity (ROE): 10.78% ($2.2 mil)
Quarterly return on equity: 12.54% ($2.5 mil)
Net income: $2.1 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.74% ($2,156.8 mil)
Quarterly Pretax return on assets: 1.99% ($2,466.7 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)40
Total assets$123,955
Cash and due from depository institutions$12,432
Interest-bearing balances$2,750
Securities$42,597
Federal funds sold & reverse repurchase agreements$10,223
Net loans & leases$51,788
Loan loss allowance $1,103
Trading account assets$0
Bank premises and fixed assets$757
Other real estate owned$225
Goodwill and other intangibles$0
All other assets$5,933
Life insurance assets$123,955
Total liabilities and capital$104,346
Total liabilities$101,821
Total deposits$81,799
Interest-bearing deposits$101,821
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,525
All other liabilities $19,609
Total equity capital$19,609
Total bank equity capital$19,609
Perpetual preferred stock$0
Common stock$50
Surplus$200
Undivided profits $19,359
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $164
Income earned, not collected on loans $485
Earning assets $0
Long-term assets (5+ years) $694
Average Assets, year-to-date $107,358
Average Assets, quarterly $17,073
Volatile liabilities $123,039
Insider loans $123,899
FHLB advances $67,414
Loans and leases held for sale $124,223
Unused loan commitments $4,577
Tier 1 (core) risk-based capital $4,577
Tier 2 risk-based capital $18,982
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,984
Derivatives$122
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,110
Total interest expense $868
Net interest income $4,242
Provision for loan and lease losses $80
Total noninterest income $1,695
Fiduciary activities $0
Service charges on deposit accounts $1,128
Trading account gains & fees $0
Additional noninterest income $567
Total noninterest expense $3,712
Salaries and employee benefits $2,050
Premises and equipment expense $376
Additional noninterest expense $1,286
Pre-tax net operating income $2,145
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $2,145
Extraordinary gains - net $0
Net income attributable to bank $2,145
Net charge-offs $0
Cash dividends $2,145
Sale, conversion, retirement of capital stock, net $123
Net operating income $2,500
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.69%
Cost of funding earning assets 0.80%
Net interest margin 3.89%
Noninterest income to earning assets 1.56%
Noninterest expense to earning assets 3.41%
Net operating income to assets 1.74%
Return on assets (ROA) 1.74%
Pretax return on assets 1.74%
Return on equity (ROE) 10.78%
Retained earnings to average equity (YTD only) -1.78%
Net charge-offs to loans 0.24%
Credit loss provision to net charge-offs 65.04%
Efficiency ratio18.09%
Assets per employee$62,523
Cash dividends to net income (YTD only)3.10%
Condition Ratios (%)
Loss allowance to loans 116.55%
Loss allowance to noncurrent loans 2.09%
Noncurrent assets plus other real estate owned to assets 227.42%
Noncurrent loans to loans 0.57%
Net loans and leases to deposits0.92%
Net loans and leases to core deposits 50.86%
Equity capital to assets 55.09%
Core capital (leverage) ratio 15.82%
Tier 1 risk-based capital ratio 15.28%
Total risk-based capital ratio 28.16%
Memoranda
Average assets$29
Average earning assets$123,039
Average equity $19,899
Average loans $108,960
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3 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02634The Peoples National Bank Of ChecotaBroadway And Gentry, Checotah, OK 74426January 01, 1911Full Service Brick and Mortar
1202257Drive-In Branch310 North Broadway Street, Checotah, OK 74426April 19, 1971Limited Service Facility
3478556Wal-Mart Branch131 Paul Carr Drive, Checotah, OK 74426March 05, 2008Limited Service Facility
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