FDIC Certificate #: 15348 Status: Active Federal Reserve ID: 157856 Bank Holding Company (Regulatory Top Holder): Clinton Bancshares, Inc. (RSSDID: 1055593, Location: Clinton, OK) Date Established: January 01, 1903 WWW:http://www.fbtok.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15563 FDIC's unique #: 9678 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: Febuary 01, 1936 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: 501 Frisco Avenue, Clinton, OK 73601 County: Custer 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): Weatherford, OK (#48220) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $62.5 mil Equity capital: $5.8 mil Deposits held in domestic offices: $51.8 mil Return on assets (ROA): 1.43% ($0.9 mil) Quarterly return on assets: 1.00% ($0.6 mil) Return on Equity (ROE): 15.65% ($0.9 mil) Quarterly return on equity: 10.88% ($0.7 mil) Net income: $0.9 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.43% ($894.4 mil) Quarterly Pretax return on assets: 1.00% ($625.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
18Total employees (full-time equivalent)
$62,544Total assets
$7,744Cash and due from depository institutions
$4,384Interest-bearing balances
$24,435Securities
$2,853Federal funds sold & reverse repurchase agreements
$24,486Net loans & leases
$232Loan loss allowance
$0Trading account assets
$902Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$62,544Life insurance assets
$2,124All other assets
$56,771Total liabilities and capital
$51,773Total liabilities
$31,497Total deposits
$51,773Interest-bearing deposits
$91Deposits held in domestic offices
4853.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$145Subordinated debt
$5,773All other liabilities
$5,773Total equity capital
$5,773Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$800Surplus
$4,873Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$44Income earned, not collected on loans
$0Earning assets
$279Long-term assets (5+ years)
$56,158Average Assets, year-to-date
$16,673Average Assets, quarterly
$60,875Volatile liabilities
$62,957Insider loans
$21,989FHLB advances
$63,160Loans and leases held for sale
$1,274Unused loan commitments
$1,274Tier 1 (core) risk-based capital
$5,301Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,563Restructured Loans and leases
$329Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,226Total interest income
$223Total interest expense
$2,003Net interest income
$78Provision for loan and lease losses
$858Total noninterest income
$155Fiduciary activities
$469Service charges on deposit accounts
$0Trading account gains & fees
$234Additional noninterest income
$1,910Total noninterest expense
$953Salaries and employee benefits
$222Premises and equipment expense
$735Additional noninterest expense
$873Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$873Income before extraordinary items
$0Extraordinary gains - net
$873Net income attributable to bank
$0Net charge-offs
$873Cash dividends
$30Sale, conversion, retirement of capital stock, net
$368Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.04%Yield on earning assets
0.40%Cost of funding earning assets
3.63%Net interest margin
1.56%Noninterest income to earning assets
3.46%Noninterest expense to earning assets
1.43%Net operating income to assets
1.43%Return on assets (ROA)
1.43%Pretax return on assets
15.65%Return on equity (ROE)
9.05%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
260.00%Credit loss provision to net charge-offs
31.70%Efficiency ratio
66,760Assets per employee
3.47%Cash dividends to net income (YTD only)
Condition Ratios (%)
42.15%Loss allowance to loans
0.94%Loss allowance to noncurrent loans
527.27%Noncurrent assets plus other real estate owned to assets
0.07%Noncurrent loans to loans
0.18%Net loans and leases to deposits
47.29%Net loans and leases to core deposits
49.52%Equity capital to assets
9.23%Core capital (leverage) ratio
8.39%Tier 1 risk-based capital ratio
24.11%Total risk-based capital ratio
Memoranda
$25Average assets
$60,875Average earning assets
$5,577Average equity
$55,124Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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