Bank of Commerce in city_name, state_name - Detailed Financial Reports, Location

Bank of Commerce in Yukon, Oklahoma (OK)
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Bank of Commerce routing number info

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Bank of Commerce - Overview

General
FDIC Certificate #: 23250
Status: Active
Federal Reserve ID: 866859
Bank Holding Company (Regulatory Top Holder): Csb Bancshares, Inc. (RSSDID: 2649065, Location: Yukon, OK)
Date Established: November 17, 1980
WWW: http://www.bocokla.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 16294
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: November 17, 1980
Last Structure Change Effective Date: December 10, 2010
Last Structure Change Process Date: Febuary 11, 2011
Last Data Update: Febuary 11, 2011
Data Source Date: April 05, 2012
Location
Address: 2500 South Cornwell Drive, Yukon, OK 73099
County: Canadian
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
Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880)
Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
History of Changes
Change in Location
Financial Summary
Total assets: $174.4 mil
Equity capital: $16.0 mil
Deposits held in domestic offices: $154.5 mil
Return on assets (ROA): 1.01% ($1.8 mil)
Quarterly return on assets: 0.93% ($1.6 mil)
Return on Equity (ROE): 10.98% ($1.8 mil)
Quarterly return on equity: 9.99% ($1.6 mil)
Net income: $1.7 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.62% ($2,826.0 mil)
Quarterly Pretax return on assets: 1.49% ($2,599.2 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
57Total employees (full-time equivalent)
$174,446Total assets
$11,914Cash and due from depository institutions
$3,663Interest-bearing balances
$32,641Securities
$3,494Federal funds sold & reverse repurchase agreements
$116,650Net loans & leases
$1,392Loan loss allowance
$0Trading account assets
$5,391Bank premises and fixed assets
$1,571Other real estate owned
$0Goodwill and other intangibles
$174,446Life insurance assets
$2,785All other assets
$158,451Total liabilities and capital
$154,530Total liabilities
$109,372Total deposits
$154,530Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,000Trading liabilities
$0Other borrowed funds
$921Subordinated debt
$15,995All other liabilities
$15,995Total equity capital
$15,995Total bank equity capital
$0Perpetual preferred stock
$904Common stock
$6,420Surplus
$8,671Undivided profits
Memoranda
$0Noncurrent loans and leases
$2,147Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$328Income earned, not collected on loans
$0Earning assets
$828Long-term assets (5+ years)
$156,448Average Assets, year-to-date
$46,421Average Assets, quarterly
$165,490Volatile liabilities
$170,186Insider loans
$121,107FHLB advances
$167,045Loans and leases held for sale
$765Unused loan commitments
$765Tier 1 (core) risk-based capital
$15,625Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$20,815Restructured Loans and leases
$610Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,029Total interest income
$1,068Total interest expense
$6,961Net interest income
$603Provision for loan and lease losses
$1,921Total noninterest income
$0Fiduciary activities
$613Service charges on deposit accounts
$0Trading account gains & fees
$1,308Additional noninterest income
$5,752Total noninterest expense
$3,357Salaries and employee benefits
$679Premises and equipment expense
$1,716Additional noninterest expense
$2,527Pre-tax net operating income
$151Securities gains (losses)
$1,011Applicable income taxes
$1,667Income before extraordinary items
$0Extraordinary gains - net
$1,667Net income attributable to bank
$0Net charge-offs
$1,667Cash dividends
$871Sale, conversion, retirement of capital stock, net
$300Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.33%Yield on earning assets
0.71%Cost of funding earning assets
4.62%Net interest margin
1.28%Noninterest income to earning assets
3.82%Noninterest expense to earning assets
0.95%Net operating income to assets
1.01%Return on assets (ROA)
1.62%Pretax return on assets
10.98%Return on equity (ROE)
9.00%Retained earnings to average equity (YTD only)
0.73%Net charge-offs to loans
69.23%Credit loss provision to net charge-offs
3.59%Efficiency ratio
64,760Assets per employee
3.06%Cash dividends to net income (YTD only)
Condition Ratios (%)
18.00%Loss allowance to loans
1.18%Loss allowance to noncurrent loans
424.39%Noncurrent assets plus other real estate owned to assets
1.09%Noncurrent loans to loans
0.28%Net loans and leases to deposits
75.49%Net loans and leases to core deposits
83.66%Equity capital to assets
9.17%Core capital (leverage) ratio
9.35%Tier 1 risk-based capital ratio
12.90%Total risk-based capital ratio
Memoranda
$14Average assets
$165,490Average earning assets
$15,183Average equity
$150,514Average loans

Bank Assets Sold and Securitized (December 31, 2001)

Dollar figures in thousands
Principal balance with servicing or other recourse retained
$31-4 family residential loans
$0Home equity lines
$0Credit cards receivables
$8Auto loans
$93Other consumer loans
$1,025Commercial and industrial loans

List of branches

4 Oklahoma Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	16294	Bank Of Commerce	2500 South Cornwell Drive, Yukon, OK 73099	November 17, 1980	Full Service Brick and Mortar
1	256091	Yukon Branch	120 South Mustang Road, Yukon, OK 73099	September 01, 1998	Full Service Brick and Mortar
2	357592	El Reno Branch	220 S. Bickford, El Reno, OK 73036	Febuary 14, 2000	Full Service Brick and Mortar
4	500085	Mustang 152 Branch	620 East State Highway 152, Mustang, OK 73064	December 28, 2009	Full Service Brick and Mortar

Bank of Commerce in Yukon, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Commerce - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Bank Assets Sold and Securitized (December 31, 2001)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Commerce in Yukon, Oklahoma (OK)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Commerce - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Bank Assets Sold and Securitized (December 31, 2001)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Commerce in Yukon, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches