Bank of Cordell

Bank of Cordell is headquartered in Cordell and is the 214^st largest bank in the state of Oklahoma. It is also the 6,819^st largest bank in the nation. It was established in 1902 and as of December of 2011, it had grown to 9 employees at 1 location. Bank of Cordell has a 4-star health rating.

Bank of Cordell Routing Number: 103106160

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Data for Q4 2011

Institution Statistics Bank of Cordell FDIC Certificate # 9875 BankRate Report View Year Established 1902 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $35.79 million Loans $30.37 million Deposits $30.05 million Equity Capital $3.01 million Loan Loss Allowance $213,000 Historic Data - December 2010 Assets $33.78 million Equity Capital $2.84 million Loan Loss Allowance $197,000 Unbacked Noncurrent Loans $604,000 Real Estate Owned $162,000 Profit Margin - Quarterly Net Interest Margin 3.47% Return on Assets 1.34% Return on Equity 15.53% Interest Income $1.38 million

Institution Health Overall Score: 4 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 Cordell had $0 in non-current loans and owned real-estate with $3.22 million in equity and loan loss allowances on hand to cover it. This gives Bank of Cordell a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Bank of Cordell has decreased its total deposits by $-415,000, resulting in -1.36% 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 Cordell has shown is below 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 Cordell has $35.79 million in assets with $3.22 million in equity, resulting in a capitalization level of 9.01%, which is average.

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