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


First State Bank in Temple - Overview

  • General
  • FDIC Certificate #: 5999
    Status: Active
    Federal Reserve ID: 325459
    Bank Holding Company (Regulatory Top Holder): First Temple Corporation (RSSDID: 1058101, Location: Temple, OK)
    Date Established: June 01, 1919
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 12807
    FDIC's unique #: 4065
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    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: 111 South Commercial, Temple, OK 73568
    County: Cotton
    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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $23.3 mil
    Equity capital: $4.6 mil
    Deposits held in domestic offices: $16.5 mil
    Return on assets (ROA): 0.70% ($0.2 mil)
    Quarterly return on assets: -2.76% (-$0.6 mil)
    Return on Equity (ROE): 3.44% ($0.2 mil)
    Quarterly return on equity: -13.21% (-$0.7 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: 0.70% ($163.1 mil)
    Quarterly Pretax return on assets: -2.76% (-$643.2 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
  • 10Total employees (full-time equivalent)
  • $23,305Total assets
  • $287Cash and due from depository institutions
  • $0Interest-bearing balances
  • $9,755Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $12,774Net loans & leases
  • $413Loan loss allowance
  • $0Trading account assets
  • $82Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $23,305Life insurance assets
  • $407All other assets
  • $18,730Total liabilities and capital
  • $16,519Total liabilities
  • $13,548Total deposits
  • $16,519Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 2071.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $140Subordinated debt
  • $4,575All other liabilities
  • $4,575Total equity capital
  • $4,575Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $300Surplus
  • $4,025Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $93Income earned, not collected on loans
  • $0Earning assets
  • $173Long-term assets (5+ years)
  • $22,529Average Assets, year-to-date
  • $5,108Average Assets, quarterly
  • $22,014Volatile liabilities
  • $22,468Insider loans
  • $12,236FHLB advances
  • $22,188Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,301Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,880Restructured Loans and leases
  • $67Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,139Total interest income
  • $149Total interest expense
  • $990Net interest income
  • $0Provision for loan and lease losses
  • $74Total noninterest income
  • $0Fiduciary activities
  • $56Service charges on deposit accounts
  • $0Trading account gains & fees
  • $18Additional noninterest income
  • $910Total noninterest expense
  • $688Salaries and employee benefits
  • $47Premises and equipment expense
  • $175Additional noninterest expense
  • $154Pre-tax net operating income
  • $1Securities gains (losses)
  • $0Applicable income taxes
  • $155Income before extraordinary items
  • $0Extraordinary gains - net
  • $155Net income attributable to bank
  • $0Net charge-offs
  • $155Cash dividends
  • $18Sale, conversion, retirement of capital stock, net
  • $50Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.38%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 4.68%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 4.30%Noninterest expense to earning assets
  • 0.70%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 0.70%Pretax return on assets
  • 3.44%Return on equity (ROE)
  • 2.33%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 8.56%Efficiency ratio
  • 85,526Assets per employee
  • 2.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.26%Loss allowance to loans
  • 3.13%Loss allowance to noncurrent loans
  • 444.09%Noncurrent assets plus other real estate owned to assets
  • 0.40%Noncurrent loans to loans
  • 0.71%Net loans and leases to deposits
  • 77.33%Net loans and leases to core deposits
  • 87.88%Equity capital to assets
  • 19.63%Core capital (leverage) ratio
  • 19.38%Tier 1 risk-based capital ratio
  • 35.15%Total risk-based capital ratio
  • Memoranda
  • $36Average assets
  • $22,014Average earning assets
  • $4,503Average equity
  • $21,171Average loans

List of branches

  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04065First State Bank In Temple111 South Commercial, Temple, OK 73568June 01, 1919Full Service Brick and Mortar

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