The Cleveland Bank

100 North Broadway
Cleveland, OK 74020
918-358-2555
www.theclevelandbank.com

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The Cleveland Bank is headquartered in Cleveland and is the 172^nd largest bank in the state of Oklahoma. It is also the 5,954^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 22 employees at 2 locations. The Cleveland Bank has a 4-star health rating.

Competitive 13-Month CD Rate at The Cleveland Bank in OK - Local Only - 5/12/2011

The Cleveland Bank has a good deal on a 13-month CD. It has a 1.35% APY with a minimum deposit of $5,000. This is listed in the bank's rate sheet as of 5/12/2011. It appears a branch visit is required ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

The Cleveland Bank Checking Account Rates

	Apy	Min	Max	Product
	0.25%	-	-	Now Account

The Cleveland Bank Savings Account Rates

Apy	Min	Max	Product
0.50%	$100	-	Savings Account
0.50%	$100	-	Minor Savings Account

The Cleveland Bank Money Market Rates

	Apy	Min	Max	Product
	0.50%	$50k	-	Money Market Deposit Account

The Cleveland Bank CD Rates

Apy	Min	Max	Product
1.25%	$2,500	-	2 Year CD
1.10%	$2,500	-	18 Month CD
1.00%	$5k	-	13 Month CD
0.90%	$2,500	-	1 Year CD
0.75%	$2,500	-	6 Month CD
0.50%	$10k	-	90 Day CD

The Cleveland Bank IRA Rates

Apy	Min	Max	Product
1.25%	$250	-	2 Year IRA
1.10%	$2k	-	18 Month IRA
0.90%	$2k	-	1 Year IRA

Rates updated: 5/26/2012

Data for Q1 2012

Institution Statistics

The Cleveland Bank
FDIC Certificate #	4065
BankRate Report	View
Year Established	1904
Employees	22
Primary Regulator	FDIC
Assets and Liabilities
Assets	$64.19 million
Loans	$33.55 million
Deposits	$59.30 million
Equity Capital	$4.82 million
Loan Loss Allowance	$238,000
Unbacked Noncurrent Loans	$239,000
Real Estate Owned	$364,000
Historic Data - March 2011
Assets	$56.18 million
Equity Capital	$4.60 million
Loan Loss Allowance	$203,000
Unbacked Noncurrent Loans	$244,000
Real Estate Owned	$406,000
Profit Margin - Quarterly
Net Interest Margin	3.59%
Return on Assets	0.65%
Return on Equity	8.49%
Interest Income	$618,000

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 March 31, 2012 The Cleveland Bank had $603,000 in non-current loans and owned real-estate with $5.06 million in equity and loan loss allowances on hand to cover it. This gives The Cleveland Bank a Texas Ratio of 11.92% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for The Cleveland Bank held steady from 13.54% as of March 31, 2011 to 11.92% as of March 31, 2012, resulting in a positive change of 11.94%.This indicates that the balance sheet and financial strength for The Cleveland Bank has held steady in recent periods.
Deposit Growth
In the past year, The Cleveland Bank has increased its total deposits by $7.77 million, resulting in 15.08% 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 Cleveland Bank 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 Cleveland Bank has $64.18 million in assets with $5.06 million in equity, resulting in a capitalization level of 7.88%, which is below average.