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

First State Bank - Overview

  • General
  • FDIC Certificate #: 9879
    Status: Active
    Federal Reserve ID: 99853
    Bank Holding Company (Regulatory Top Holder): Noble Bancshares, Inc. (RSSDID: 1050178, Location: Noble, OK)
    Date Established: July 04, 1902
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 6320
    Numeric code: 21
    Regulator: FDIC
    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: All Other Specialization < 1 Billion
    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: 102 North Third Street, Noble, OK 73068
    County: Cleveland
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $55.8 mil
    Equity capital: $4.4 mil
    Deposits held in domestic offices: $51.3 mil
    Return on assets (ROA): 0.72% ($0.4 mil)
    Quarterly return on assets: 0.23% ($0.1 mil)
    Return on Equity (ROE): 9.25% ($0.4 mil)
    Quarterly return on equity: 2.94% ($0.1 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.77% ($429.5 mil)
    Quarterly Pretax return on assets: 0.36% ($200.8 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
  • 25Total employees (full-time equivalent)
  • $55,774Total assets
  • $8,837Cash and due from depository institutions
  • $2,824Interest-bearing balances
  • $14,823Securities
  • $5,500Federal funds sold & reverse repurchase agreements
  • $23,660Net loans & leases
  • $300Loan loss allowance
  • $0Trading account assets
  • $2,001Bank premises and fixed assets
  • $338Other real estate owned
  • $0Goodwill and other intangibles
  • $55,774Life insurance assets
  • $615All other assets
  • $51,398Total liabilities and capital
  • $51,310Total liabilities
  • $38,968Total deposits
  • $51,310Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $88Subordinated debt
  • $4,376All other liabilities
  • $4,376Total equity capital
  • $4,376Total bank equity capital
  • $0Perpetual preferred stock
  • $495Common stock
  • $495Surplus
  • $3,386Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,205Income earned, not collected on loans
  • $0Earning assets
  • $245Long-term assets (5+ years)
  • $46,807Average Assets, year-to-date
  • $4,106Average Assets, quarterly
  • $55,775Volatile liabilities
  • $56,271Insider loans
  • $37,012FHLB advances
  • $56,310Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,034Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $359Restructured Loans and leases
  • $594Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,547Total interest income
  • $373Total interest expense
  • $2,174Net interest income
  • $145Provision for loan and lease losses
  • $732Total noninterest income
  • $0Fiduciary activities
  • $668Service charges on deposit accounts
  • $0Trading account gains & fees
  • $64Additional noninterest income
  • $2,334Total noninterest expense
  • $1,249Salaries and employee benefits
  • $243Premises and equipment expense
  • $842Additional noninterest expense
  • $427Pre-tax net operating income
  • $0Securities gains (losses)
  • $28Applicable income taxes
  • $399Income before extraordinary items
  • $0Extraordinary gains - net
  • $399Net income attributable to bank
  • $0Net charge-offs
  • $399Cash dividends
  • $157Sale, conversion, retirement of capital stock, net
  • $244Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.30%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 4.53%Net interest margin
  • 1.52%Noninterest income to earning assets
  • 4.86%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 0.77%Pretax return on assets
  • 9.25%Return on equity (ROE)
  • 3.59%Retained earnings to average equity (YTD only)
  • 0.66%Net charge-offs to loans
  • 92.36%Credit loss provision to net charge-offs
  • 3.64%Efficiency ratio
  • 80,317Assets per employee
  • 2.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.15%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 24.90%Noncurrent assets plus other real estate owned to assets
  • 2.77%Noncurrent loans to loans
  • 5.03%Net loans and leases to deposits
  • 46.11%Net loans and leases to core deposits
  • 46.11%Equity capital to assets
  • 7.85%Core capital (leverage) ratio
  • 7.16%Tier 1 risk-based capital ratio
  • 10.90%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $55,775Average earning assets
  • $4,315Average equity
  • $48,019Average loans

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06320First State Bank102 North Third Street, Noble, OK 73068July 04, 1902Full Service Brick and Mortar
    2363999Norman Branch1600 West Lindsey Street, Norman, OK 73069June 10, 2002Full Service Brick and Mortar

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