First State Bank in Waynoka, Oklahoma (OK)



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First State Bank
GeneralFDIC Certificate #: 18063
Status: Active
Federal Reserve ID: 474656
Bank Holding Company (Regulatory Top Holder): Waynoka Bancshares, Inc. (RSSDID: 1067260, Location: Waynoka, OK)
Date Established: July 20, 1959
WWW: http://www.fsbway.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)
OTS Docket #: 53223
FDIC's unique #: 11987
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: July 20, 1959
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
LocationAddress: 100 South Missouri Street, Waynoka, OK 73860
County: Woods
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $21.9 mil
Equity capital: $3.3 mil
Deposits held in domestic offices: $18.5 mil
Return on assets (ROA): 1.09% ($0.2 mil)
Quarterly return on assets: 0.37% ($0.1 mil)
Return on Equity (ROE): 7.20% ($0.2 mil)
Quarterly return on equity: 2.39% ($0.1 mil)
Net income: $0.2 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 1.09% ($238.6 mil)
Quarterly Pretax return on assets: 0.37% ($81.0 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)
Total employees (full-time equivalent)9
Total assets$21,886
Cash and due from depository institutions$982
Interest-bearing balances$0
Securities$12,478
Federal funds sold & reverse repurchase agreements$2,717
Net loans & leases$5,225
Loan loss allowance $176
Trading account assets$0
Bank premises and fixed assets$36
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$448
Life insurance assets$21,885
Total liabilities and capital$18,589
Total liabilities$18,462
Total deposits$13,606
Interest-bearing deposits$18,462
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $127
All other liabilities $3,296
Total equity capital$3,296
Total bank equity capital$3,296
Perpetual preferred stock$0
Common stock$150
Surplus$550
Undivided profits $2,596
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $57
Earning assets $0
Long-term assets (5+ years) $165
Average Assets, year-to-date $20,420
Average Assets, quarterly $11,215
Volatile liabilities $20,861
Insider loans $21,614
FHLB advances $11,432
Loans and leases held for sale $21,258
Unused loan commitments $147
Tier 1 (core) risk-based capital $147
Tier 2 risk-based capital $2,917
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $71
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $792
Total interest expense $123
Net interest income $669
Provision for loan and lease losses $6
Total noninterest income $310
Fiduciary activities $0
Service charges on deposit accounts $93
Trading account gains & fees $0
Additional noninterest income $217
Total noninterest expense $745
Salaries and employee benefits $352
Premises and equipment expense $106
Additional noninterest expense $287
Pre-tax net operating income $228
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $228
Extraordinary gains - net $0
Net income attributable to bank $228
Net charge-offs $0
Cash dividends $228
Sale, conversion, retirement of capital stock, net $11
Net operating income $114
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.03%
Cost of funding earning assets 0.63%
Net interest margin 3.40%
Noninterest income to earning assets 1.58%
Noninterest expense to earning assets 3.79%
Net operating income to assets 1.09%
Return on assets (ROA) 1.09%
Pretax return on assets 1.09%
Return on equity (ROE) 7.20%
Retained earnings to average equity (YTD only) 3.60%
Net charge-offs to loans 0.19%
Credit loss provision to net charge-offs 54.55%
Efficiency ratio21.27%
Assets per employee$76,098
Cash dividends to net income (YTD only)2.43%
Condition Ratios (%)
Loss allowance to loans 50.00%
Loss allowance to noncurrent loans 3.26%
Noncurrent assets plus other real estate owned to assets 308.77%
Noncurrent loans to loans 0.26%
Net loans and leases to deposits1.06%
Net loans and leases to core deposits 28.30%
Equity capital to assets 28.30%
Core capital (leverage) ratio 15.06%
Tier 1 risk-based capital ratio 13.72%
Total risk-based capital ratio 25.52%
Memoranda
Average assets$27
Average earning assets$20,861
Average equity $3,165
Average loans $19,657
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1 Oklahoma Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011987First State Bank100 South Missouri Street, Waynoka, OK 73860July 20, 1959Full Service Brick and Mortar
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