FDIC Certificate #: 19829 Status: Active Federal Reserve ID: 944551 Bank Holding Company (Regulatory Top Holder): Boc Banshares, Inc. (RSSDID: 1417427, Location: Chouteau, OK) Date Established: July 01, 1968 WWW:http://www.chouteauboc.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 13622 Numeric code: 21 Regulator: FDIC 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: All Other Specialization < 1 Billion Date of Deposit Insurance: July 01, 1968 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
Location
Address: 201-207 Main Street, Chouteau, OK 74337 County: Mayes 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 Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $31.4 mil Equity capital: $2.9 mil Deposits held in domestic offices: $28.5 mil Return on assets (ROA): 1.32% ($0.4 mil) Quarterly return on assets: 3.23% ($1.0 mil) Return on Equity (ROE): 15.01% ($0.5 mil) Quarterly return on equity: 35.07% ($1.1 mil) Net income: $0.4 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.32% ($414.4 mil) Quarterly Pretax return on assets: 3.23% ($1,014.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$31,397Total assets
$4,167Cash and due from depository institutions
$3,460Interest-bearing balances
$3,410Securities
$376Federal funds sold & reverse repurchase agreements
$21,336Net loans & leases
$424Loan loss allowance
$0Trading account assets
$1,163Bank premises and fixed assets
$538Other real estate owned
$0Goodwill and other intangibles
$31,397Life insurance assets
$407All other assets
$28,509Total liabilities and capital
$28,465Total liabilities
$21,300Total deposits
$28,465Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$44Subordinated debt
$2,888All other liabilities
$2,888Total equity capital
$2,888Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$400Surplus
$2,088Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$279Income earned, not collected on loans
$0Earning assets
$168Long-term assets (5+ years)
$28,582Average Assets, year-to-date
$14,696Average Assets, quarterly
$32,540Volatile liabilities
$31,598Insider loans
$20,029FHLB advances
$31,860Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,888Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$802Restructured Loans and leases
$936Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,916Total interest income
$177Total interest expense
$1,739Net interest income
$42Provision for loan and lease losses
$226Total noninterest income
$0Fiduciary activities
$161Service charges on deposit accounts
$0Trading account gains & fees
$65Additional noninterest income
$1,494Total noninterest expense
$776Salaries and employee benefits
$229Premises and equipment expense
$489Additional noninterest expense
$429Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$429Income before extraordinary items
$0Extraordinary gains - net
$429Net income attributable to bank
$0Net charge-offs
$429Cash dividends
$38Sale, conversion, retirement of capital stock, net
$376Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.52%Yield on earning assets
0.60%Cost of funding earning assets
5.92%Net interest margin
0.77%Noninterest income to earning assets
5.09%Noninterest expense to earning assets
1.32%Net operating income to assets
1.32%Return on assets (ROA)
1.32%Pretax return on assets
15.01%Return on equity (ROE)
1.85%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
110.53%Credit loss provision to net charge-offs
12.39%Efficiency ratio
76,031Assets per employee
1.85%Cash dividends to net income (YTD only)
Condition Ratios (%)
87.65%Loss allowance to loans
1.95%Loss allowance to noncurrent loans
151.97%Noncurrent assets plus other real estate owned to assets
2.60%Noncurrent loans to loans
1.28%Net loans and leases to deposits
74.96%Net loans and leases to core deposits
79.16%Equity capital to assets
9.20%Core capital (leverage) ratio
9.06%Tier 1 risk-based capital ratio
14.42%Total risk-based capital ratio
Memoranda
$16Average assets
$32,540Average earning assets
$2,859Average equity
$29,377Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
13622
Bank Of Commerce
201-207 Main Street, Chouteau, OK 74337
July 01, 1968
Full Service Brick and Mortar
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