First National Bank of Roland in Roland, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 12, 2000

  • First National Bank of Roland in Roland, Oklahoma (OK)
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First National Bank of Roland - Overview

  • General
  • FDIC Certificate #: 23171
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First National Bank, Sallisaw (#19288)
    Federal Reserve ID: 528054
    Date Established: August 13, 1980
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 16234
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: August 13, 1980
    Last Structure Change Effective Date: March 12, 2000
    Last Structure Change Process Date: May 01, 2000
    Last Data Update: May 01, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 East Ray Fine Boulevard, Roland, OK 74954
    County: Sequoyah
    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
    Metropolitan Statistical Area (MSA): Fort Smith, AR-OK (#2720)
    Core Based Statistical Area (CBSA): Fort Smith, AR-OK (#22900)
    CBSA Metro Statistical Area: Fort Smith, AR-OK (#22900)
  • Financial Summary
  • Total assets: $51.9 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 24Total employees (full-time equivalent)
  • $51,926Total assets
  • $2,839Cash and due from depository institutions
  • $0Interest-bearing balances
  • $14,243Securities
  • $1,200Federal funds sold & reverse repurchase agreements
  • $32,206Net loans & leases
  • $426Loan loss allowance
  • $0Trading account assets
  • $677Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $761All other assets
  • $51,926Total liabilities and capital
  • $48,277Total liabilities
  • $46,886Total deposits
  • $40,997Interest-bearing deposits
  • $46,886Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,162Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $229All other liabilities
  • $3,649Total equity capital
  • $3,649Total bank equity capital
  • $3,649Perpetual preferred stock
  • $0Common stock
  • $448Surplus
  • $503Undivided profits
  • Memoranda
  • $2,698Noncurrent loans and leases
  • $1,758Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $299Earning assets
  • $0Long-term assets (5+ years)
  • $202Average Assets, year-to-date
  • $47,649Average Assets, quarterly
  • $2,061Volatile liabilities
  • $56,167Insider loans
  • $53,100FHLB advances
  • $12,672Loans and leases held for sale
  • $329Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,758Total unused commitments
  • $49Restructured Loans and leases
  • $426Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $4,262Total interest income
  • $2,063Total interest expense
  • $2,199Net interest income
  • $487Provision for loan and lease losses
  • $419Total noninterest income
  • $0Fiduciary activities
  • $327Service charges on deposit accounts
  • $0Trading account gains & fees
  • $92Additional noninterest income
  • $1,523Total noninterest expense
  • $709Salaries and employee benefits
  • $171Premises and equipment expense
  • $643Additional noninterest expense
  • $608Pre-tax net operating income
  • -$3Securities gains (losses)
  • $158Applicable income taxes
  • $447Income before extraordinary items
  • $0Extraordinary gains - net
  • $447Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $393Sale, conversion, retirement of capital stock, net
  • $373Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.11%Yield on earning assets
  • 3.93%Cost of funding earning assets
  • 4.19%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 2.90%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 12.08%Return on equity (ROE)
  • 2.00%Retained earnings to average equity (YTD only)
  • 1.15%Net charge-offs to loans
  • 123.92%Credit loss provision to net charge-offs
  • 2.79%Efficiency ratio
  • 58,174Assets per employee
  • 2.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.45%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 142.47%Noncurrent assets plus other real estate owned to assets
  • 0.58%Noncurrent loans to loans
  • 0.92%Net loans and leases to deposits
  • 68.69%Net loans and leases to core deposits
  • 91.04%Equity capital to assets
  • 7.03%Core capital (leverage) ratio
  • 6.87%Tier 1 risk-based capital ratio
  • 10.58%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $56,167Average earning assets
  • $3,702Average equity
  • $52,521Average loans

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