Ameristate Bank in Atoka, Oklahoma (OK), TX

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Ameristate Bank
GeneralFDIC Certificate #: 15510
Status: Active
Federal Reserve ID: 508355
Bank Holding Company (Regulatory Top Holder): Atoka State Bancorporation, Inc. (RSSDID: 1056983, Location: Atoka, OK)
Date Established: August 06, 1906
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 4 (Domestic: 4, Interstate: Yes)
OTS Docket #: 15433
FDIC's unique #: 9809
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: July 02, 1937
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 113 South Pennsylvania, Atoka, OK 74525
County: Atoka
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Tulsa
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $187.9 mil
Equity capital: $16.6 mil
Deposits held in domestic offices: $164.6 mil
Return on assets (ROA): 1.03% ($1.9 mil)
Quarterly return on assets: -0.41% (-$0.8 mil)
Return on Equity (ROE): 12.01% ($2.0 mil)
Quarterly return on equity: -4.64% (-$0.8 mil)
Net income: $2.0 mil
Quarterly Net income: -$0.2 mil
Pretax return on assets: 1.03% ($1,935.7 mil)
Quarterly Pretax return on assets: -0.41% (-$770.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)65
Total assets$187,935
Cash and due from depository institutions$34,586
Interest-bearing balances$31,512
Federal funds sold & reverse repurchase agreements$2,980
Net loans & leases$123,583
Loan loss allowance $2,304
Trading account assets$0
Bank premises and fixed assets$8,522
Other real estate owned$3,420
Goodwill and other intangibles$0
All other assets$6,155
Life insurance assets$187,935
Total liabilities and capital$171,314
Total liabilities$164,564
Total deposits$136,796
Interest-bearing deposits$164,564
Deposits held in domestic offices$88
% insured (estimated)1537.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,383
Other borrowed funds $0
Subordinated debt $830
All other liabilities $16,621
Total equity capital$16,621
Total bank equity capital$16,621
Perpetual preferred stock$0
Common stock$1,000
Undivided profits $14,621
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $243
Earning assets $0
Long-term assets (5+ years) $1,159
Average Assets, year-to-date $166,764
Average Assets, quarterly $16,748
Volatile liabilities $197,969
Insider loans $192,081
FHLB advances $123,025
Loans and leases held for sale $193,336
Unused loan commitments $3,421
Tier 1 (core) risk-based capital $3,421
Tier 2 risk-based capital $16,558
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $15,558
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,201
Total interest expense $1,345
Net interest income $7,856
Provision for loan and lease losses $1,585
Total noninterest income $2,941
Fiduciary activities $0
Service charges on deposit accounts $1,363
Trading account gains & fees $0
Additional noninterest income $1,578
Total noninterest expense $7,169
Salaries and employee benefits $3,695
Premises and equipment expense $1,419
Additional noninterest expense $2,055
Pre-tax net operating income $2,043
Securities gains (losses) $2
Applicable income taxes $0
Income before extraordinary items $2,045
Extraordinary gains - net $0
Net income attributable to bank $2,045
Net charge-offs $0
Cash dividends $2,045
Sale, conversion, retirement of capital stock, net $1,218
Net operating income $1,486
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.18%
Cost of funding earning assets 0.76%
Net interest margin 4.42%
Noninterest income to earning assets 1.66%
Noninterest expense to earning assets 4.04%
Net operating income to assets 1.03%
Return on assets (ROA) 1.03%
Pretax return on assets 1.03%
Return on equity (ROE) 12.01%
Retained earnings to average equity (YTD only) 3.28%
Net charge-offs to loans 0.94%
Credit loss provision to net charge-offs 130.13%
Efficiency ratio2.98%
Assets per employee$66,398
Cash dividends to net income (YTD only)2.89%
Condition Ratios (%)
Loss allowance to loans 72.67%
Loss allowance to noncurrent loans 1.83%
Noncurrent assets plus other real estate owned to assets 948.15%
Noncurrent loans to loans 1.95%
Net loans and leases to deposits0.19%
Net loans and leases to core deposits 75.10%
Equity capital to assets 83.61%
Core capital (leverage) ratio 8.84%
Tier 1 risk-based capital ratio 8.56%
Total risk-based capital ratio 13.46%
Average assets$15
Average earning assets$197,969
Average equity $17,028
Average loans $177,610
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3 Oklahoma Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09809Ameristate Bank113 South Pennsylvania, Atoka, OK 74525August 06, 1906Full Service Brick and Mortar
112636Atoka BranchHighway 69 And Virginia Street, Atoka, OK 74525May 07, 1963Full Service Brick and Mortar
2361973Antlers Branch418 West Main, Antlers, OK 74523June 04, 2001Full Service Brick and Mortar
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1 Texas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
3457822Sherman Branch2410 Loy Lake Road, Sherman, TX 75090January 05, 2007Full Service Brick and Mortar
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