Fort Gibson State Bank in Fort Gibson, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Fort Gibson State Bank - Overview

  • General
  • FDIC Certificate #: 21090
    Status: Active
    Federal Reserve ID: 186856
    Bank Holding Company (Regulatory Top Holder): Three Rivers Bankshares, Inc. (RSSDID: 2791713, Location: Fort Gibson, OK)
    Date Established: May 21, 1973
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 14575
    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: Commercial Lending Specialization
    Date of Deposit Insurance: May 21, 1973
    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: South Lee Street And Maple Avenue, Fort Gibson, OK 74434
    County: Muskogee
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Tulsa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Muskogee, OK (#34780)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $56.3 mil
    Equity capital: $4.4 mil
    Deposits held in domestic offices: $51.3 mil
    Return on assets (ROA): 0.79% ($0.4 mil)
    Quarterly return on assets: 0.03% ($0.0 mil)
    Return on Equity (ROE): 10.45% ($0.4 mil)
    Quarterly return on equity: 0.36% ($0.0 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.13% ($636.4 mil)
    Quarterly Pretax return on assets: 0.74% ($416.8 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
  • 21Total employees (full-time equivalent)
  • $56,323Total assets
  • $5,079Cash and due from depository institutions
  • $3,766Interest-bearing balances
  • $16,015Securities
  • $206Federal funds sold & reverse repurchase agreements
  • $31,833Net loans & leases
  • $446Loan loss allowance
  • $0Trading account assets
  • $2,074Bank premises and fixed assets
  • $307Other real estate owned
  • $0Goodwill and other intangibles
  • $56,323Life insurance assets
  • $809All other assets
  • $51,895Total liabilities and capital
  • $51,289Total liabilities
  • $44,325Total deposits
  • $51,289Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $606Subordinated debt
  • $4,428All other liabilities
  • $4,428Total equity capital
  • $4,428Total bank equity capital
  • $0Perpetual preferred stock
  • $215Common stock
  • $2,785Surplus
  • $1,428Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $407Long-term assets (5+ years)
  • $51,820Average Assets, year-to-date
  • $24,301Average Assets, quarterly
  • $57,359Volatile liabilities
  • $56,368Insider loans
  • $37,260FHLB advances
  • $58,657Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,339Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,565Restructured Loans and leases
  • $2,104Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,326Total interest income
  • $496Total interest expense
  • $2,830Net interest income
  • $13Provision for loan and lease losses
  • $284Total noninterest income
  • $0Fiduciary activities
  • $204Service charges on deposit accounts
  • $0Trading account gains & fees
  • $80Additional noninterest income
  • $2,455Total noninterest expense
  • $1,363Salaries and employee benefits
  • $409Premises and equipment expense
  • $683Additional noninterest expense
  • $646Pre-tax net operating income
  • $0Securities gains (losses)
  • $190Applicable income taxes
  • $456Income before extraordinary items
  • $0Extraordinary gains - net
  • $456Net income attributable to bank
  • $0Net charge-offs
  • $456Cash dividends
  • $23Sale, conversion, retirement of capital stock, net
  • $420Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.29%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 5.36%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 4.65%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 1.13%Pretax return on assets
  • 10.45%Return on equity (ROE)
  • 0.82%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 56.52%Credit loss provision to net charge-offs
  • 28.65%Efficiency ratio
  • 78,838Assets per employee
  • 2.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 92.11%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.55%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 62.07%Net loans and leases to core deposits
  • 67.17%Equity capital to assets
  • 7.86%Core capital (leverage) ratio
  • 7.40%Tier 1 risk-based capital ratio
  • 11.65%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $57,359Average earning assets
  • $4,365Average equity
  • $52,843Average loans

List of branches

  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014575Fort Gibson State BankSouth Lee Street And Maple Avenue, Fort Gibson, OK 74434May 21, 1973Full Service Brick and Mortar

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