FDIC Certificate #: 17547 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Gold BANK (#413) Federal Reserve ID: 297350 Date Established: January 01, 1911 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 14424 FDIC's unique #: 11521 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 03, 1956 Last Structure Change Effective Date: Febuary 20, 1999 Last Structure Change Process Date: March 17, 1999 Last Data Update: March 17, 1999 Data Source Date: April 05, 2012
Location
Address: 901 South Broadway, Hobart, OK 73651 County: Kiowa 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
Financial Summary
Total assets: $35.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
20Total employees (full-time equivalent)
$35,466Total assets
$1,004Cash and due from depository institutions
$0Interest-bearing balances
$1,820Securities
$4,328Federal funds sold & reverse repurchase agreements
$26,510Net loans & leases
$296Loan loss allowance
$0Trading account assets
$601Bank premises and fixed assets
$75Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,128All other assets
$35,466Total liabilities and capital
$32,720Total liabilities
$30,924Total deposits
$27,929Interest-bearing deposits
$30,924Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,390Other borrowed funds
$0Subordinated debt
$406All other liabilities
$2,746Total equity capital
$2,746Total bank equity capital
$2,746Perpetual preferred stock
$0Common stock
$150Surplus
$150Undivided profits
Memoranda
$2,446Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,053Earning assets
$179Long-term assets (5+ years)
$728Average Assets, year-to-date
$32,658Average Assets, quarterly
$4,266Volatile liabilities
$33,707Insider loans
$36,022FHLB advances
$5,253Loans and leases held for sale
$255Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,091Total unused commitments
$0Restructured Loans and leases
$27,470Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$2,864Total interest income
$1,508Total interest expense
$1,356Net interest income
$150Provision for loan and lease losses
$269Total noninterest income
$0Fiduciary activities
$234Service charges on deposit accounts
$0Trading account gains & fees
$35Additional noninterest income
$1,002Total noninterest expense
$706Salaries and employee benefits
$131Premises and equipment expense
$165Additional noninterest expense
$473Pre-tax net operating income
-$2Securities gains (losses)
$176Applicable income taxes
$295Income before extraordinary items
$0Extraordinary gains - net
$295Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$82Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
9.24%Yield on earning assets
4.87%Cost of funding earning assets
4.38%Net interest margin
0.87%Noninterest income to earning assets
3.23%Noninterest expense to earning assets
0.88%Net operating income to assets
0.88%Return on assets (ROA)
1.40%Pretax return on assets
11.44%Return on equity (ROE)
11.44%Retained earnings to average equity (YTD only)
0.32%Net charge-offs to loans
182.93%Credit loss provision to net charge-offs
7.60%Efficiency ratio
61,662Assets per employee
1.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.10%Loss allowance to noncurrent loans
28.11%Noncurrent assets plus other real estate owned to assets
3.18%Noncurrent loans to loans
3.93%Net loans and leases to deposits
85.73%Net loans and leases to core deposits
103.27%Equity capital to assets
7.74%Core capital (leverage) ratio
7.54%Tier 1 risk-based capital ratio
9.95%Total risk-based capital ratio
Memoranda
$11Average assets
$33,707Average earning assets
$2,579Average equity
$30,988Average loans
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