Cleo State Bank in city_name, state_name - Detailed Financial Reports, Location

Cleo State Bank in Cleo Springs, Oklahoma (OK)
Show street view No street view available for this location

Cleo State Bank routing number info

Other nearby banks
The Farmers and Merchants National Bank of Fairview
State Guaranty Bank
First National Bank in Okeene
The Hopeton State Bank
Farmers Exchange Bank
ACB Bank

Cleo State Bank - Overview

General
FDIC Certificate #: 406
Status: Active
Federal Reserve ID: 155759
Bank Holding Company (Regulatory Top Holder): Cleo Bancshares Inc. (RSSDID: 1052958, Location: Cleo Springs, OK)
Date Established: October 25, 1900
WWW: http://www.cleostatebank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 16947
FDIC's unique #: 312
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
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
Location
Address: 202 South Square, Cleo Springs, OK 73729
County: Major
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
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $79.1 mil
Equity capital: $16.0 mil
Deposits held in domestic offices: $63.1 mil
Return on assets (ROA): 2.12% ($1.7 mil)
Quarterly return on assets: 1.62% ($1.3 mil)
Return on Equity (ROE): 10.41% ($1.7 mil)
Quarterly return on equity: 8.10% ($1.3 mil)
Net income: $1.6 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 2.12% ($1,677.3 mil)
Quarterly Pretax return on assets: 1.62% ($1,281.7 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
16Total employees (full-time equivalent)
$79,117Total assets
$3,684Cash and due from depository institutions
$1,529Interest-bearing balances
$49,602Securities
$3,043Federal funds sold & reverse repurchase agreements
$21,454Net loans & leases
$370Loan loss allowance
$0Trading account assets
$218Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$79,117Life insurance assets
$1,116All other assets
$63,096Total liabilities and capital
$63,072Total liabilities
$46,250Total deposits
$63,072Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$24Subordinated debt
$16,021All other liabilities
$16,021Total equity capital
$16,021Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$3,300Surplus
$12,621Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$808Income earned, not collected on loans
$0Earning assets
$742Long-term assets (5+ years)
$75,628Average Assets, year-to-date
$39,393Average Assets, quarterly
$76,343Volatile liabilities
$80,589Insider loans
$72,413FHLB advances
$80,088Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$14,494Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,652Restructured Loans and leases
$109Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,024Total interest income
$335Total interest expense
$2,689Net interest income
$0Provision for loan and lease losses
$429Total noninterest income
$0Fiduciary activities
$82Service charges on deposit accounts
$0Trading account gains & fees
$347Additional noninterest income
$1,517Total noninterest expense
$825Salaries and employee benefits
$157Premises and equipment expense
$535Additional noninterest expense
$1,601Pre-tax net operating income
$20Securities gains (losses)
$0Applicable income taxes
$1,621Income before extraordinary items
$0Extraordinary gains - net
$1,621Net income attributable to bank
$0Net charge-offs
$1,621Cash dividends
$71Sale, conversion, retirement of capital stock, net
$1,245Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.14%Yield on earning assets
0.46%Cost of funding earning assets
3.68%Net interest margin
0.59%Noninterest income to earning assets
2.08%Noninterest expense to earning assets
2.10%Net operating income to assets
2.12%Return on assets (ROA)
2.12%Pretax return on assets
10.41%Return on equity (ROE)
2.42%Retained earnings to average equity (YTD only)
0.33%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
22.55%Efficiency ratio
48,653Assets per employee
4.94%Cash dividends to net income (YTD only)
Condition Ratios (%)
76.80%Loss allowance to loans
1.70%Loss allowance to noncurrent loans
45.79%Noncurrent assets plus other real estate owned to assets
1.02%Noncurrent loans to loans
3.70%Net loans and leases to deposits
34.02%Net loans and leases to core deposits
35.22%Equity capital to assets
20.25%Core capital (leverage) ratio
18.10%Tier 1 risk-based capital ratio
20.02%Total risk-based capital ratio
Memoranda
$20Average assets
$76,343Average earning assets
$15,567Average equity
$72,998Average loans

List of branches

4 Oklahoma Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	312	Cleo State Bank	202 South Square, Cleo Springs, OK 73729	October 25, 1900	Full Service Brick and Mortar
1	9173	Jet Branch	Fifth And Highway 64, Jet, OK 73749	April 11, 1902	Full Service Brick and Mortar
2	2628	Carmen Branch	4th & Main Streets, Carmen, OK 73726	Febuary 24, 1924	Full Service Brick and Mortar
3	454556	Meno Guaranty Branch	Hwy 60 And Main Street, Meno, OK 73760	December 30, 2005	Full Service Brick and Mortar

Cleo State Bank in Cleo Springs, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Cleo State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Cleo State Bank in Cleo Springs, Oklahoma (OK)Overview, Financial Summary, Detailed Financial Reports, Branches

Cleo State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Cleo State Bank in Cleo Springs, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches