The Cleveland Bank in Cleveland, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Cleveland Bank in Cleveland, Oklahoma (OK)
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The Cleveland Bank routing number info

The Cleveland Bank - Overview

  • General
  • FDIC Certificate #: 4065
    Status: Active
    Federal Reserve ID: 1005459
    Bank Holding Company (Regulatory Top Holder): Highland Ban-Corp., Inc., The (RSSDID: 1061277, Location: Cleveland, OK)
    Date Established: January 01, 1904
    WWW: http://www.theclevelandbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 2640
    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: 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: 100 North Broadway, Cleveland, OK 74020
    County: Pawnee
    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): Tulsa-Bartlesville, OK (#538)
    Core Based Statistical Area (CBSA): Tulsa, OK (#46140)
    CBSA Metro Statistical Area: Tulsa, OK (#46140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $60.3 mil
    Equity capital: $4.7 mil
    Deposits held in domestic offices: $55.6 mil
    Return on assets (ROA): 0.78% ($0.5 mil)
    Quarterly return on assets: 0.76% ($0.5 mil)
    Return on Equity (ROE): 9.58% ($0.5 mil)
    Quarterly return on equity: 9.35% ($0.5 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.78% ($470.6 mil)
    Quarterly Pretax return on assets: 0.76% ($458.6 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
  • 22Total employees (full-time equivalent)
  • $60,336Total assets
  • $1,441Cash and due from depository institutions
  • $45Interest-bearing balances
  • $15,340Securities
  • $7,248Federal funds sold & reverse repurchase agreements
  • $33,268Net loans & leases
  • $255Loan loss allowance
  • $0Trading account assets
  • $2,058Bank premises and fixed assets
  • $364Other real estate owned
  • $0Goodwill and other intangibles
  • $60,336Life insurance assets
  • $617All other assets
  • $55,639Total liabilities and capital
  • $55,612Total liabilities
  • $45,079Total deposits
  • $55,612Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $27Subordinated debt
  • $4,697All other liabilities
  • $4,697Total equity capital
  • $4,697Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $816Surplus
  • $3,581Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $350Income earned, not collected on loans
  • $0Earning assets
  • $321Long-term assets (5+ years)
  • $55,901Average Assets, year-to-date
  • $9,341Average Assets, quarterly
  • $58,205Volatile liabilities
  • $59,622Insider loans
  • $35,916FHLB advances
  • $58,864Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,308Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,965Restructured Loans and leases
  • $268Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,506Total interest income
  • $424Total interest expense
  • $2,082Net interest income
  • $120Provision for loan and lease losses
  • $396Total noninterest income
  • $0Fiduciary activities
  • $362Service charges on deposit accounts
  • $0Trading account gains & fees
  • $34Additional noninterest income
  • $1,974Total noninterest expense
  • $1,070Salaries and employee benefits
  • $271Premises and equipment expense
  • $633Additional noninterest expense
  • $384Pre-tax net operating income
  • $68Securities gains (losses)
  • $0Applicable income taxes
  • $452Income before extraordinary items
  • $0Extraordinary gains - net
  • $452Net income attributable to bank
  • $0Net charge-offs
  • $452Cash dividends
  • $108Sale, conversion, retirement of capital stock, net
  • $325Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 3.88%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 3.68%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 0.78%Pretax return on assets
  • 9.58%Return on equity (ROE)
  • 2.69%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 111.11%Credit loss provision to net charge-offs
  • 4.67%Efficiency ratio
  • 79,661Assets per employee
  • 2.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.90%Loss allowance to loans
  • 0.76%Loss allowance to noncurrent loans
  • 72.86%Noncurrent assets plus other real estate owned to assets
  • 1.18%Noncurrent loans to loans
  • 1.04%Net loans and leases to deposits
  • 59.82%Net loans and leases to core deposits
  • 61.22%Equity capital to assets
  • 7.78%Core capital (leverage) ratio
  • 7.32%Tier 1 risk-based capital ratio
  • 11.99%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $58,205Average earning assets
  • $4,717Average equity
  • $53,662Average loans

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    02640The Cleveland Bank100 North Broadway, Cleveland, OK 74020January 01, 1904Full Service Brick and Mortar
    1202271Drive-In Branch100 North Broadway, Cleveland, OK 74020October 16, 1967Limited Service Facility

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