First American Bank in Stonewall, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


First American Bank - Overview

  • General
  • FDIC Certificate #: 15762
    Status: Active
    Federal Reserve ID: 321255
    Date Established: July 04, 1940
    WWW: http://www.fabstonewall.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)
    FDIC's unique #: 10010
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: July 04, 1940
    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
  • Location
  • Address: Main Street And High School Avenue, Stonewall, OK 74871
    County: Pontotoc
    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
    Core Based Statistical Area (CBSA): Ada, OK (#10220)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $23.9 mil
    Equity capital: $2.6 mil
    Deposits held in domestic offices: $21.3 mil
    Return on assets (ROA): 2.80% ($0.7 mil)
    Quarterly return on assets: 2.52% ($0.6 mil)
    Return on Equity (ROE): 25.89% ($0.8 mil)
    Quarterly return on equity: 23.32% ($0.7 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 2.80% ($669.8 mil)
    Quarterly Pretax return on assets: 2.52% ($602.8 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
  • 10Total employees (full-time equivalent)
  • $23,921Total assets
  • $945Cash and due from depository institutions
  • $50Interest-bearing balances
  • $2,015Securities
  • $1,177Federal funds sold & reverse repurchase agreements
  • $19,163Net loans & leases
  • $338Loan loss allowance
  • $0Trading account assets
  • $269Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $23,921Life insurance assets
  • $352All other assets
  • $21,300Total liabilities and capital
  • $21,280Total liabilities
  • $17,819Total deposits
  • $21,280Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $20Subordinated debt
  • $2,621All other liabilities
  • $2,621Total equity capital
  • $2,621Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $320Surplus
  • $1,901Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $192Income earned, not collected on loans
  • $0Earning assets
  • $250Long-term assets (5+ years)
  • $22,405Average Assets, year-to-date
  • $7,474Average Assets, quarterly
  • $23,665Volatile liabilities
  • $24,272Insider loans
  • $17,851FHLB advances
  • $24,284Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,621Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $681Restructured Loans and leases
  • $24Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,517Total interest income
  • $191Total interest expense
  • $1,326Net interest income
  • $35Provision for loan and lease losses
  • $248Total noninterest income
  • $0Fiduciary activities
  • $178Service charges on deposit accounts
  • $0Trading account gains & fees
  • $70Additional noninterest income
  • $876Total noninterest expense
  • $478Salaries and employee benefits
  • $95Premises and equipment expense
  • $303Additional noninterest expense
  • $663Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $663Income before extraordinary items
  • $0Extraordinary gains - net
  • $663Net income attributable to bank
  • $0Net charge-offs
  • $663Cash dividends
  • $4Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.87%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 6.00%Net interest margin
  • 1.12%Noninterest income to earning assets
  • 3.97%Noninterest expense to earning assets
  • 2.80%Net operating income to assets
  • 2.80%Return on assets (ROA)
  • 2.80%Pretax return on assets
  • 25.89%Return on equity (ROE)
  • 6.36%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 875.00%Credit loss provision to net charge-offs
  • 174.50%Efficiency ratio
  • 55,654Assets per employee
  • 2.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.41%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 176.04%Noncurrent assets plus other real estate owned to assets
  • 0.80%Noncurrent loans to loans
  • 0.98%Net loans and leases to deposits
  • 90.05%Net loans and leases to core deposits
  • 94.98%Equity capital to assets
  • 10.96%Core capital (leverage) ratio
  • 10.79%Tier 1 risk-based capital ratio
  • 14.68%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $23,665Average earning assets
  • $2,561Average equity
  • $22,093Average loans

List of branches

  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010010First American BankMain Street And High School Avenue, Stonewall, OK 74871July 04, 1940Full Service Brick and Mortar

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