Community Bank of the Arbuckles in Sulphur, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


Community Bank of the Arbuckles - Overview

  • General
  • FDIC Certificate #: 21564
    Status: Active
    Federal Reserve ID: 444051
    Bank Holding Company (Regulatory Top Holder): Sulphur Community Bancshares, Inc. (RSSDID: 1062836, Location: Sulphur, OK)
    Date Established: May 06, 1974
    WWW: http://www.arbucklebank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 14343
    FDIC's unique #: 14917
    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: May 06, 1974
    Last Structure Change Effective Date: July 06, 2007
    Last Structure Change Process Date: July 09, 2007
    Last Data Update: July 09, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 1100 West Broadway, Sulphur, OK 73086
    County: Murray
    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
  • Name Change
  • Financial Summary
  • Total assets: $90.4 mil
    Equity capital: $8.0 mil
    Deposits held in domestic offices: $80.2 mil
    Return on assets (ROA): 1.59% ($1.4 mil)
    Quarterly return on assets: 1.88% ($1.7 mil)
    Return on Equity (ROE): 18.64% ($1.5 mil)
    Quarterly return on equity: 21.17% ($1.7 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.60% ($1,446.5 mil)
    Quarterly Pretax return on assets: 1.88% ($1,699.7 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
  • 30Total employees (full-time equivalent)
  • $90,407Total assets
  • $4,050Cash and due from depository institutions
  • $0Interest-bearing balances
  • $34,588Securities
  • $1,618Federal funds sold & reverse repurchase agreements
  • $44,987Net loans & leases
  • $886Loan loss allowance
  • $0Trading account assets
  • $2,040Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $90,407Life insurance assets
  • $3,124All other assets
  • $82,386Total liabilities and capital
  • $80,178Total liabilities
  • $63,792Total deposits
  • $80,178Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,208Subordinated debt
  • $8,021All other liabilities
  • $8,021Total equity capital
  • $8,021Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $544Surplus
  • $6,977Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $470Income earned, not collected on loans
  • $70Earning assets
  • $783Long-term assets (5+ years)
  • $81,193Average Assets, year-to-date
  • $49,763Average Assets, quarterly
  • $88,632Volatile liabilities
  • $90,846Insider loans
  • $56,925FHLB advances
  • $90,018Loans and leases held for sale
  • $1,609Unused loan commitments
  • $1,609Tier 1 (core) risk-based capital
  • $7,931Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,638Restructured Loans and leases
  • $103Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,350Total interest income
  • $520Total interest expense
  • $3,830Net interest income
  • $204Provision for loan and lease losses
  • $1,114Total noninterest income
  • $0Fiduciary activities
  • $753Service charges on deposit accounts
  • $0Trading account gains & fees
  • $361Additional noninterest income
  • $3,493Total noninterest expense
  • $1,945Salaries and employee benefits
  • $526Premises and equipment expense
  • $1,022Additional noninterest expense
  • $1,247Pre-tax net operating income
  • $170Securities gains (losses)
  • $11Applicable income taxes
  • $1,406Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,406Net income attributable to bank
  • $0Net charge-offs
  • $1,406Cash dividends
  • $14Sale, conversion, retirement of capital stock, net
  • $815Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.42%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 4.77%Net interest margin
  • 1.39%Noninterest income to earning assets
  • 4.35%Noninterest expense to earning assets
  • 1.40%Net operating income to assets
  • 1.59%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 18.64%Return on equity (ROE)
  • 7.84%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 1457.14%Credit loss provision to net charge-offs
  • 103.64%Efficiency ratio
  • 70,651Assets per employee
  • 3.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.97%Loss allowance to loans
  • 1.93%Loss allowance to noncurrent loans
  • 188.51%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 1.02%Net loans and leases to deposits
  • 56.11%Net loans and leases to core deposits
  • 57.78%Equity capital to assets
  • 8.87%Core capital (leverage) ratio
  • 8.81%Tier 1 risk-based capital ratio
  • 13.93%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $88,632Average earning assets
  • $7,543Average equity
  • $80,265Average loans

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014917Community Bank Of The Arbuckles1100 West Broadway, Sulphur, OK 73086May 06, 1974Full Service Brick and Mortar
    1469423Davis Branch1200 East Main Street, Davis, OK 73030September 24, 2007Full Service Brick and Mortar

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