FDIC Certificate #: 429 Status: Active Federal Reserve ID: 95659 Bank Holding Company (Regulatory Top Holder): Mabrey Bancorporation, Inc. (RSSDID: 2052777, Location: Okmulgee, OK) Date Established: December 01, 1929 WWW:http://www.morrisstatebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15929 FDIC's unique #: 331 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: Yes Asset Concentration Hierarchy: Consumer Lending 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: 800 West Ozark Street, Morris, OK 74445 County: Okmulgee 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: $62.9 mil Equity capital: $5.5 mil Deposits held in domestic offices: $56.8 mil Return on assets (ROA): 2.43% ($1.5 mil) Quarterly return on assets: 2.29% ($1.4 mil) Return on Equity (ROE): 27.29% ($1.4 mil) Quarterly return on equity: 25.85% ($1.3 mil) Net income: $1.5 mil Quarterly Net income: $0.4 mil Pretax return on assets: 2.43% ($1,527.8 mil) Quarterly Pretax return on assets: 2.29% ($1,439.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$62,874Total assets
$3,028Cash and due from depository institutions
$1,549Interest-bearing balances
$7,320Securities
$25Federal funds sold & reverse repurchase agreements
$49,701Net loans & leases
$533Loan loss allowance
$0Trading account assets
$1,912Bank premises and fixed assets
$57Other real estate owned
$11Goodwill and other intangibles
$62,874Life insurance assets
$820All other assets
$57,376Total liabilities and capital
$56,805Total liabilities
$46,566Total deposits
$56,805Interest-bearing deposits
$71Deposits held in domestic offices
520.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$51Subordinated debt
$5,498All other liabilities
$5,498Total equity capital
$5,498Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$500Surplus
$4,898Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$647Income earned, not collected on loans
$0Earning assets
$319Long-term assets (5+ years)
$58,595Average Assets, year-to-date
$26,158Average Assets, quarterly
$63,547Volatile liabilities
$63,652Insider loans
$42,916FHLB advances
$63,616Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,453Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$947Restructured Loans and leases
$1,849Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,550Total interest income
$507Total interest expense
$3,043Net interest income
$127Provision for loan and lease losses
$569Total noninterest income
$0Fiduciary activities
$512Service charges on deposit accounts
$0Trading account gains & fees
$57Additional noninterest income
$1,939Total noninterest expense
$985Salaries and employee benefits
$318Premises and equipment expense
$636Additional noninterest expense
$1,546Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,546Income before extraordinary items
$0Extraordinary gains - net
$1,546Net income attributable to bank
$0Net charge-offs
$1,546Cash dividends
$116Sale, conversion, retirement of capital stock, net
$1,600Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.00%Yield on earning assets
0.86%Cost of funding earning assets
5.14%Net interest margin
0.96%Noninterest income to earning assets
3.28%Noninterest expense to earning assets
2.43%Net operating income to assets
2.43%Return on assets (ROA)
2.43%Pretax return on assets
27.29%Return on equity (ROE)
-0.95%Retained earnings to average equity (YTD only)
0.24%Net charge-offs to loans
109.48%Credit loss provision to net charge-offs
14.42%Efficiency ratio
53,682Assets per employee
2.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
103.49%Loss allowance to loans
1.06%Loss allowance to noncurrent loans
82.38%Noncurrent assets plus other real estate owned to assets
1.12%Noncurrent loans to loans
1.29%Net loans and leases to deposits
87.49%Net loans and leases to core deposits
87.49%Equity capital to assets
8.74%Core capital (leverage) ratio
8.57%Tier 1 risk-based capital ratio
12.71%Total risk-based capital ratio
Memoranda
$14Average assets
$63,547Average earning assets
$5,666Average equity
$59,150Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
331
The Morris State Bank
800 West Ozark Street, Morris, OK 74445
December 01, 1929
Full Service Brick and Mortar
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