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

This bank is inactive as of March 31, 1997

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

  • General
  • FDIC Certificate #: 9473
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First State Bank (#24538)
    Federal Reserve ID: 4455
    Date Established: January 01, 1908
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    OTS Docket #: 13634
    FDIC's unique #: 6088
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 1997
    Last Structure Change Process Date: April 16, 1997
    Last Data Update: April 11, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 19979 N.E. 23rd Street, Harrah, OK 73045
    County: Oklahoma
    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
    Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880)
    Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
    Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
    CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
  • Financial Summary
  • Total assets: $125.1 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $41Total assets
  • $125,132Cash and due from depository institutions
  • $1,589Interest-bearing balances
  • $43Securities
  • $69,650Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $50,455Loan loss allowance
  • $1,167Trading account assets
  • $0Bank premises and fixed assets
  • $819Other real estate owned
  • $0Goodwill and other intangibles
  • $2,619Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $125,132Total liabilities
  • $112,487Total deposits
  • $109,869Interest-bearing deposits
  • $101,389Deposits held in domestic offices
  • 109869.00%% insured (estimated)
  • $88Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $618Total equity capital
  • $618Total bank equity capital
  • $12,645Perpetual preferred stock
  • $0Common stock
  • $800Surplus
  • $2,000Undivided profits
  • Memoranda
  • $9,845Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $124Income earned, not collected on loans
  • $689Earning assets
  • $120,148Long-term assets (5+ years)
  • $41,807Average Assets, year-to-date
  • $120,776Average Assets, quarterly
  • $124,561Volatile liabilities
  • $20,676Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $25,309Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $14,820Total risk weighted assets
  • $63,057Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,276Total interest expense
  • $5,035Net interest income
  • $4,241Provision for loan and lease losses
  • $0Total noninterest income
  • $647Fiduciary activities
  • $0Service charges on deposit accounts
  • $570Trading account gains & fees
  • $0Additional noninterest income
  • $77Total noninterest expense
  • $2,349Salaries and employee benefits
  • $1,217Premises and equipment expense
  • $217Additional noninterest expense
  • $915Pre-tax net operating income
  • $2,539Securities gains (losses)
  • -$362Applicable income taxes
  • $757Income before extraordinary items
  • $1,420Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,420Net charge-offs
  • -$72Cash dividends
  • $20Sale, 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
  • 8.09%Cost of funding earning assets
  • 4.39%Net interest margin
  • 3.70%Noninterest income to earning assets
  • 0.56%Noninterest expense to earning assets
  • 2.05%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 1.80%Return on equity (ROE)
  • 12.14%Retained earnings to average equity (YTD only)
  • 11.97%Net charge-offs to loans
  • -0.18%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 48,056Assets per employee
  • 3.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1.41%Loss allowance to loans
  • 2.26%Loss allowance to noncurrent loans
  • 941.13%Noncurrent assets plus other real estate owned to assets
  • 0.10%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 45.92%Net loans and leases to core deposits
  • 55.33%Equity capital to assets
  • 10.11%Core capital (leverage) ratio
  • 11.53%Tier 1 risk-based capital ratio
  • 23.50%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $120,776Average earning assets
  • $11,693Average equity
  • $114,677Average loans

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