Vitals
  • Total Assets
    94.2M -5.3 %
  • Total Deposits
    76.3M -7.6 %
  • Total Net Loans
    32.1M 11.2 %
  • Net Income
    1.7M -8.2 %
  • Book Value
    17.9M 6.0 %
  • Book Value x2
    35.7M 6.0 %
  • Book Value x3
    53.6M 6.0 %
ROAA

2.391

ROAE

13.154

Efficiency Ratio

42.31

Net Interest Margin

4.136

Balance Sheet Highlights
Financial Highlights Cleo State Bank All Insured Commercial Banks in Oklahoma
Balance Sheet $(000)
Total Assets 94,170 201,476
Total Net Loans 32,063 135,683
Total Deposits 76,294 169,987
Total Equity 17,867 22,152
Profitability
Net Income 1,713 2,051
Return on Average Assets 2.391 1.338
Return on Average Equity 13.154 12.309
Net Interest Margin 4.136 4.16
Efficiency Ratio 42.31 65.788
Noninterest Income/Revenue 10.387 16.76
Balance Sheet Ratios
Loan-to-Deposit 42.026 74.543
Securities/Assets .559 .175
Total Equity/Total Assets .19 .11
Tangible Equity/Tangible Assets .19 .108
Capital Adequacy
Tier 1 Common Capital 16,538 21,177
Tier 1 Capital 16,538 21,177
Tier 2 Capital 471 1,641
Total Capital 17,009 22,841
Total Risk Weighted Assets 93,543 149,035
Leverage Ratio 17.65 10.81
Common Equity Tier 1 Capital Ratio 17.68 15.913
Tier 1 Capital Ratio 17.68 15.915
Total Capital Ratio 18.18 16.989

Timeline for Cleo State Bank

The First National Bank In Carmen

Acquisition: Cleo State Bank acquired a new subsidiary, The First National Bank In Carmen, 35 years

View Profile May 01 1989

First State Bank

Acquisition: Cleo State Bank acquired a new subsidiary, First State Bank, 38 years

View Profile Oct 19 1985

Cleo Bancshares Inc.

Cleo Bancshares Inc. became a new parent organization for Cleo State Bank.

View Profile Dec 31 1970

Cleo State Bank

Cleo State Bank was established 123 years ago and is currently headquartered in Cleo Springs, OK.

Oct 25 1900
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The First National Bank In Carmen Seller 5,526 Discontinued 5/1/1989
First State Bank Seller 12,344 Failure 10/19/1985
Relationships Role Relationship Start Relationship End
Cleo Bancshares Inc. Parent 12/30/1997
Cleo Bancshares Inc. Parent 12/31/1991 12/29/1997
Cleo Bancshares Inc. Parent 12/31/1970 12/30/1991
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