First State Bank in Woodward, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 06, 1997

  • First State Bank in Woodward, Oklahoma (OK)
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First State Bank - Overview

  • General
  • FDIC Certificate #: 24171
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Central National Bank & Trust Co., of Enid (#4091)
    Federal Reserve ID: 903259
    Date Established: December 17, 1982
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 16830
    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: December 17, 1982
    Last Structure Change Effective Date: October 06, 1997
    Last Structure Change Process Date: November 17, 1997
    Last Data Update: November 17, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 2730 Williams Street, Woodward, OK 73801
    County: Woodward
    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): Woodward, OK (#49260)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $31.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $20Total assets
  • $29,245Cash and due from depository institutions
  • $1,049Interest-bearing balances
  • $100Securities
  • $6,045Federal funds sold & reverse repurchase agreements
  • $7,067Net loans & leases
  • $13,267Loan loss allowance
  • $104Trading account assets
  • $0Bank premises and fixed assets
  • $1,212Other real estate owned
  • $0Goodwill and other intangibles
  • $565Life insurance assets
  • $40All other assets
  • $0Total liabilities and capital
  • $29,245Total liabilities
  • $27,036Total deposits
  • $26,878Interest-bearing deposits
  • $24,133Deposits held in domestic offices
  • 26878.00%% insured (estimated)
  • $89Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $158Total equity capital
  • $158Total bank equity capital
  • $2,209Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $1,500Undivided profits
  • Memoranda
  • $209Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $387Income earned, not collected on loans
  • $152Earning assets
  • $26,479Long-term assets (5+ years)
  • $2,606Average Assets, year-to-date
  • $23,664Average Assets, quarterly
  • $28,136Volatile liabilities
  • $2,952Insider loans
  • $944FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,229Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,172Total risk weighted assets
  • $16,023Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,974Total interest expense
  • $934Net interest income
  • $1,040Provision for loan and lease losses
  • $250Total noninterest income
  • $418Fiduciary activities
  • $0Service charges on deposit accounts
  • $241Trading account gains & fees
  • $0Additional noninterest income
  • $177Total noninterest expense
  • $1,074Salaries and employee benefits
  • $615Premises and equipment expense
  • $153Additional noninterest expense
  • $306Pre-tax net operating income
  • $134Securities gains (losses)
  • $16Applicable income taxes
  • $80Income before extraordinary items
  • $70Extraordinary gains - net
  • $0Net income attributable to bank
  • $70Net charge-offs
  • $225Cash dividends
  • $250Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.32%Cost of funding earning assets
  • 4.41%Net interest margin
  • 4.91%Noninterest income to earning assets
  • 1.97%Noninterest expense to earning assets
  • 5.07%Net operating income to assets
  • 0.25%Return on assets (ROA)
  • 0.30%Pretax return on assets
  • 0.63%Return on equity (ROE)
  • 3.05%Retained earnings to average equity (YTD only)
  • -7.83%Net charge-offs to loans
  • 1.92%Credit loss provision to net charge-offs
  • 111.11%Efficiency ratio
  • 70,919Assets per employee
  • 1.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 357.14%Loss allowance to loans
  • 0.78%Loss allowance to noncurrent loans
  • 26.87%Noncurrent assets plus other real estate owned to assets
  • 1.32%Noncurrent loans to loans
  • 2.89%Net loans and leases to deposits
  • 49.36%Net loans and leases to core deposits
  • 55.45%Equity capital to assets
  • 7.55%Core capital (leverage) ratio
  • 7.71%Tier 1 risk-based capital ratio
  • 13.56%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $23,664Average earning assets
  • $2,297Average equity
  • $21,189Average loans

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