Bank of the Panhandle in Guymon, Oklahoma (OK)



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Bank of the Panhandle routing number info

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Bank of the Panhandle
GeneralFDIC Certificate #: 22340
Status: Active
Federal Reserve ID: 192857
Bank Holding Company (Regulatory Top Holder): Panhandle Bancshares, Inc. (RSSDID: 2623001, Location: Guymon, OK)
Date Established: October 12, 1976
WWW: http://www.bopguymon.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 14345
FDIC's unique #: 15549
Numeric code: 21
Regulator: FDIC
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: October 12, 1976
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: 13th And Main Streets, Guymon, OK 73942
County: Texas
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Oklahoma City
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: West
Core Based Statistical Area (CBSA): Guymon, OK (#25100)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $137.6 mil
Equity capital: $15.8 mil
Deposits held in domestic offices: $110.0 mil
Return on assets (ROA): 1.61% ($2.2 mil)
Quarterly return on assets: 1.73% ($2.4 mil)
Return on Equity (ROE): 14.04% ($2.2 mil)
Quarterly return on equity: 15.01% ($2.4 mil)
Net income: $2.1 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.61% ($2,215.7 mil)
Quarterly Pretax return on assets: 1.73% ($2,380.8 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)30
Total assets$137,619
Cash and due from depository institutions$15,813
Interest-bearing balances$13,125
Securities$61,355
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$55,805
Loan loss allowance $1,006
Trading account assets$0
Bank premises and fixed assets$1,689
Other real estate owned$75
Goodwill and other intangibles$36
All other assets$2,846
Life insurance assets$137,619
Total liabilities and capital$121,790
Total liabilities$110,032
Total deposits$92,205
Interest-bearing deposits$110,032
Deposits held in domestic offices$80
% insured (estimated)3578.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$7,597
Other borrowed funds $0
Subordinated debt $583
All other liabilities $15,829
Total equity capital$15,829
Total bank equity capital$15,829
Perpetual preferred stock$0
Common stock$630
Surplus$900
Undivided profits $14,299
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $770
Income earned, not collected on loans $153
Earning assets $0
Long-term assets (5+ years) $789
Average Assets, year-to-date $130,285
Average Assets, quarterly $79,129
Volatile liabilities $130,083
Insider loans $137,375
FHLB advances $78,528
Loans and leases held for sale $135,958
Unused loan commitments $1,102
Tier 1 (core) risk-based capital $1,102
Tier 2 risk-based capital $14,296
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,652
Derivatives$2,305
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,619
Total interest expense $1,273
Net interest income $4,346
Provision for loan and lease losses $90
Total noninterest income $1,194
Fiduciary activities $0
Service charges on deposit accounts $459
Trading account gains & fees $0
Additional noninterest income $735
Total noninterest expense $3,438
Salaries and employee benefits $1,991
Premises and equipment expense $284
Additional noninterest expense $1,163
Pre-tax net operating income $2,012
Securities gains (losses) $85
Applicable income taxes $0
Income before extraordinary items $2,097
Extraordinary gains - net $0
Net income attributable to bank $2,097
Net charge-offs $0
Cash dividends $2,097
Sale, conversion, retirement of capital stock, net -$58
Net operating income $985
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.56%
Cost of funding earning assets 1.03%
Net interest margin 3.52%
Noninterest income to earning assets 0.97%
Noninterest expense to earning assets 2.79%
Net operating income to assets 1.55%
Return on assets (ROA) 1.61%
Pretax return on assets 1.61%
Return on equity (ROE) 14.04%
Retained earnings to average equity (YTD only) 7.45%
Net charge-offs to loans -0.10%
Credit loss provision to net charge-offs -155.17%
Efficiency ratio0.00%
Assets per employee$62,058
Cash dividends to net income (YTD only)4.59%
Condition Ratios (%)
Loss allowance to loans 46.97%
Loss allowance to noncurrent loans 1.77%
Noncurrent assets plus other real estate owned to assets 657.52%
Noncurrent loans to loans 0.17%
Net loans and leases to deposits0.27%
Net loans and leases to core deposits 50.72%
Equity capital to assets 54.95%
Core capital (leverage) ratio 11.50%
Tier 1 risk-based capital ratio 10.52%
Total risk-based capital ratio 18.20%
Memoranda
Average assets$19
Average earning assets$130,083
Average equity $14,936
Average loans $123,341
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1 Oklahoma Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
015549Bank Of The Panhandle13th And Main Streets, Guymon, OK 73942October 12, 1976Full Service Brick and Mortar
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