FDIC Certificate #: 18263 Status: Active Federal Reserve ID: 264156 Date Established: September 20, 1902 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 #: 12179 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: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: June 15, 1960 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: Santa Fe And U.S. Highway 177, Carney, OK 74832 County: Lincoln 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 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $19.7 mil Equity capital: $1.8 mil Deposits held in domestic offices: $17.7 mil Return on assets (ROA): 0.37% ($0.1 mil) Quarterly return on assets: -1.98% (-$0.4 mil) Return on Equity (ROE): 4.13% ($0.1 mil) Quarterly return on equity: -20.93% (-$0.4 mil) Net income: $0.1 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.48% ($94.5 mil) Quarterly Pretax return on assets: -1.98% (-$389.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$19,679Total assets
$5,865Cash and due from depository institutions
$750Interest-bearing balances
$6,276Securities
$0Federal funds sold & reverse repurchase agreements
$7,094Net loans & leases
$66Loan loss allowance
$0Trading account assets
$137Bank premises and fixed assets
$118Other real estate owned
$0Goodwill and other intangibles
$19,679Life insurance assets
$189All other assets
$17,890Total liabilities and capital
$17,683Total liabilities
$16,076Total deposits
$17,683Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$207Subordinated debt
$1,789All other liabilities
$1,789Total equity capital
$1,789Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$300Surplus
$1,389Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$186Income earned, not collected on loans
$0Earning assets
$86Long-term assets (5+ years)
$14,120Average Assets, year-to-date
$6,330Average Assets, quarterly
$19,077Volatile liabilities
$19,578Insider loans
$7,018FHLB advances
$19,883Loans and leases held for sale
$40Unused loan commitments
$40Tier 1 (core) risk-based capital
$1,489Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$310Restructured Loans and leases
$1,035Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$793Total interest income
$272Total interest expense
$521Net interest income
$0Provision for loan and lease losses
$75Total noninterest income
$0Fiduciary activities
$62Service charges on deposit accounts
$0Trading account gains & fees
$13Additional noninterest income
$769Total noninterest expense
$450Salaries and employee benefits
$102Premises and equipment expense
$217Additional noninterest expense
-$173Pre-tax net operating income
$264Securities gains (losses)
$20Applicable income taxes
$71Income before extraordinary items
$0Extraordinary gains - net
$71Net income attributable to bank
$0Net charge-offs
$71Cash dividends
$4Sale, conversion, retirement of capital stock, net
$50Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.07%Yield on earning assets
1.74%Cost of funding earning assets
3.33%Net interest margin
0.48%Noninterest income to earning assets
4.91%Noninterest expense to earning assets
-0.71%Net operating income to assets
0.37%Return on assets (ROA)
0.48%Pretax return on assets
4.13%Return on equity (ROE)
1.22%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
-43.25%Efficiency ratio
129,027Assets per employee
3.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
70.42%Loss allowance to loans
0.92%Loss allowance to noncurrent loans
35.48%Noncurrent assets plus other real estate owned to assets
1.54%Noncurrent loans to loans
2.60%Net loans and leases to deposits
40.12%Net loans and leases to core deposits
40.12%Equity capital to assets
9.09%Core capital (leverage) ratio
7.49%Tier 1 risk-based capital ratio
21.22%Total risk-based capital ratio
Memoranda
$22Average assets
$19,077Average earning assets
$1,718Average equity
$15,648Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
12179
The Carney State Bank
Santa Fe And U.S. Highway 177, Carney, OK 74832
September 20, 1902
Full Service Brick and Mortar
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