Bank of the Panhandle in Guymon, Oklahoma (OK)

Show street view No street view available for this location

Bank of the Panhandle routing number info

Table of contents:
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
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
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
Undivided profits $14,299
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
Back to page top, Back to table top

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
Back to page top, Back to table top

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%
Average assets$19
Average earning assets$130,083
Average equity $14,936
Average loans $123,341
Back to page top, Back to table top

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
Back to page top

User Contributions:

Comment about this bank, ask questions, or add new information about it:


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bank of the Panhandle.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.