Bank of Cherokee County

Bank of Cherokee County is headquartered in Hulbert and is the 136^th largest bank in the state of Oklahoma. It is also the 4,998^th largest bank in the nation. It was established in 1908 and as of December of 2011, it had grown to 39 employees at 3 locations. Bank of Cherokee County has a 3-star health rating.

Bank of Cherokee County Routing Number: 103107839

Bank of Cherokee County Checking Account Rates

Bank of Cherokee County Savings Account Rates

Bank of Cherokee County Money Market Rates

Data for Q4 2011

Institution Statistics Bank of Cherokee County FDIC Certificate # 2327 BankRate Report View Year Established 1908 Employees 39 Primary Regulator FED Assets and Liabilities Assets $97.67 million Loans $64.73 million Deposits $89.08 million Equity Capital $8.18 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $1.03 million Real Estate Owned $400,000 Historic Data - December 2010 Assets $96.33 million Equity Capital $7.52 million Loan Loss Allowance $1.10 million Unbacked Noncurrent Loans $569,000 Real Estate Owned $527,000 Profit Margin - Quarterly Net Interest Margin 5.05% Return on Assets 0.86% Return on Equity 10.7% Interest Income $5.46 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Cherokee County had $1.43 million in non-current loans and owned real-estate with $9.39 million in equity and loan loss allowances on hand to cover it. This gives Bank of Cherokee County a Texas Ratio of 15.24% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Cherokee County held steady from 12.71% as of December 31, 2010 to 15.24% as of December 31, 2011, resulting in a negative change of 19.89%. This indicates that the balance sheet and financial strength for Bank of Cherokee County has held steady in recent periods. Deposit Growth In the past year, Bank of Cherokee County has increased its total deposits by $457,000, resulting in 0.52% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Cherokee County has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Cherokee County has $97.67 million in assets with $9.39 million in equity, resulting in a capitalization level of 9.61%, which is average.

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