First Pryority Bank in Pryor, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Pryority Bank in Pryor, Oklahoma (OK)
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First Pryority Bank - Overview

  • General
  • FDIC Certificate #: 4185
    Status: Active
    Federal Reserve ID: 524953
    Bank Holding Company (Regulatory Top Holder): First Pryor Bancorp, Inc. (RSSDID: 2224408, Location: Pryor, OK)
    Date Established: January 01, 1900
    WWW: http://www.firstpryoritybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15705
    FDIC's unique #: 2739
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 310 East Graham Avenue, Pryor, OK 74361
    County: Mayes
    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
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $113.2 mil
    Equity capital: $12.2 mil
    Deposits held in domestic offices: $100.4 mil
    Return on assets (ROA): 0.47% ($0.5 mil)
    Quarterly return on assets: 0.59% ($0.7 mil)
    Return on Equity (ROE): 4.51% ($0.5 mil)
    Quarterly return on equity: 5.57% ($0.7 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.36% ($407.4 mil)
    Quarterly Pretax return on assets: 0.14% ($158.4 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
  • 29Total employees (full-time equivalent)
  • $113,153Total assets
  • $5,060Cash and due from depository institutions
  • $2,273Interest-bearing balances
  • $13,945Securities
  • $19,973Federal funds sold & reverse repurchase agreements
  • $60,130Net loans & leases
  • $1,839Loan loss allowance
  • $0Trading account assets
  • $2,518Bank premises and fixed assets
  • $3,991Other real estate owned
  • $0Goodwill and other intangibles
  • $113,153Life insurance assets
  • $7,536All other assets
  • $100,988Total liabilities and capital
  • $100,423Total liabilities
  • $88,443Total deposits
  • $100,423Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $565Subordinated debt
  • $12,165All other liabilities
  • $12,165Total equity capital
  • $12,165Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $5,955Surplus
  • $4,210Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,986Income earned, not collected on loans
  • $0Earning assets
  • $369Long-term assets (5+ years)
  • $96,321Average Assets, year-to-date
  • $19,963Average Assets, quarterly
  • $110,425Volatile liabilities
  • $112,618Insider loans
  • $79,843FHLB advances
  • $114,992Loans and leases held for sale
  • $5,144Unused loan commitments
  • $5,144Tier 1 (core) risk-based capital
  • $12,151Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,826Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,602Total interest income
  • $1,016Total interest expense
  • $3,586Net interest income
  • $208Provision for loan and lease losses
  • $541Total noninterest income
  • $0Fiduciary activities
  • $125Service charges on deposit accounts
  • $0Trading account gains & fees
  • $416Additional noninterest income
  • $3,522Total noninterest expense
  • $1,603Salaries and employee benefits
  • $690Premises and equipment expense
  • $1,229Additional noninterest expense
  • $397Pre-tax net operating income
  • $0Securities gains (losses)
  • -$120Applicable income taxes
  • $517Income before extraordinary items
  • $0Extraordinary gains - net
  • $517Net income attributable to bank
  • $0Net charge-offs
  • $517Cash dividends
  • $903Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.89%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 3.81%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 3.74%Noninterest expense to earning assets
  • 0.47%Net operating income to assets
  • 0.47%Return on assets (ROA)
  • 0.36%Pretax return on assets
  • 4.51%Return on equity (ROE)
  • 4.51%Retained earnings to average equity (YTD only)
  • 1.45%Net charge-offs to loans
  • 23.03%Credit loss provision to net charge-offs
  • 0.67%Efficiency ratio
  • 85,340Assets per employee
  • 3.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.97%Loss allowance to noncurrent loans
  • 46.14%Noncurrent assets plus other real estate owned to assets
  • 7.05%Noncurrent loans to loans
  • 6.43%Net loans and leases to deposits
  • 59.88%Net loans and leases to core deposits
  • 62.70%Equity capital to assets
  • 10.75%Core capital (leverage) ratio
  • 10.57%Tier 1 risk-based capital ratio
  • 15.22%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $110,425Average earning assets
  • $11,474Average equity
  • $94,206Average loans

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02739First Pryority Bank310 East Graham Avenue, Pryor, OK 74361January 01, 1900Full Service Brick and Mortar
    1478938First Pryority Bank Branch10632 S. Memorial, Tulsa, OK 74133Febuary 11, 2002Full Service Brick and Mortar

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