The Central National Bank of Poteau

The Central National Bank of Poteau is headquartered in Poteau and is the 58^th largest bank in the state of Oklahoma. It is also the 2,785^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 81 employees at 6 locations. The Central National Bank of Poteau's savings rates are 4X the national average, and it boasts a 5-star health rating.

The Central National Bank of Poteau Savings Account Rates

The Central National Bank of Poteau Money Market Rates

The Central National Bank of Poteau CD Rates

Data for Q1 2012

Institution Statistics The Central National Bank of Poteau FDIC Certificate # 4181 BankRate Report View Year Established 1902 Employees 81 Primary Regulator OCC Assets and Liabilities Assets $228.93 million Loans $104.64 million Deposits $208.48 million Equity Capital $20.22 million Loan Loss Allowance $528,000 Unbacked Noncurrent Loans $416,000 Real Estate Owned $76,000 Historic Data - March 2011 Assets $210.19 million Equity Capital $18.56 million Loan Loss Allowance $841,000 Unbacked Noncurrent Loans $1.92 million Real Estate Owned $176,000 Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets 1.48% Return on Equity 16.97% Interest Income $2.35 million

Institution Health Overall Score: 5 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 March 31, 2012 The Central National Bank of Poteau had $492,000 in non-current loans and owned real-estate with $20.75 million in equity and loan loss allowances on hand to cover it. This gives The Central National Bank of Poteau a Texas Ratio of 2.37% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Central National Bank of Poteau decreased significantly from 12.11% as of March 31, 2011 to 2.37% as of March 31, 2012, resulting in a positive change of 80.41%.This indicates that the balance sheet and financial strength for The Central National Bank of Poteau has improved significantly in recent periods. Deposit Growth In the past year, The Central National Bank of Poteau has increased its total deposits by $17.14 million, resulting in 8.96% 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 The Central National Bank of Poteau has shown is excellent. 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. The Central National Bank of Poteau has $228.93 million in assets with $20.75 million in equity, resulting in a capitalization level of 9.06%, which is average.

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