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
No
ID
Name
Address
Established
Service Type
Map
0
10010
First American Bank
Main Street And High School Avenue, Stonewall, OK 74871
July 04, 1940
Full Service Brick and Mortar
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