FDIC Certificate #: 10676 Status: Inactive Closing history: Corrections Acquiring institution:Gold BANK (#413) Federal Reserve ID: 875851 Date Established: January 01, 1907 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 6850 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: January 01, 1934 Last Structure Change Effective Date: September 25, 1998 Last Structure Change Process Date: October 29, 1998 Last Data Update: June 18, 1999 Data Source Date: April 05, 2012
Location
Address: 430 South Main, Hobart, OK 73651 County: Kiowa 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
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $40.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
20Total employees (full-time equivalent)
$39,925Total assets
$809Cash and due from depository institutions
$99Interest-bearing balances
$12,480Securities
$3,699Federal funds sold & reverse repurchase agreements
$21,269Net loans & leases
$251Loan loss allowance
$0Trading account assets
$922Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$746All other assets
$39,925Total liabilities and capital
$34,887Total liabilities
$34,518Total deposits
$31,530Interest-bearing deposits
$34,518Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$369All other liabilities
$5,038Total equity capital
$5,038Total bank equity capital
$5,038Perpetual preferred stock
$0Common stock
$503Surplus
$1,597Undivided profits
Memoranda
$2,938Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$255Earning assets
$121Long-term assets (5+ years)
$565Average Assets, year-to-date
$37,547Average Assets, quarterly
$2,126Volatile liabilities
$39,783Insider loans
$40,277FHLB advances
$5,380Loans and leases held for sale
$632Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,573Total unused commitments
$0Restructured Loans and leases
$24,481Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$3,076Total interest income
$1,457Total interest expense
$1,619Net interest income
$25Provision for loan and lease losses
$174Total noninterest income
$0Fiduciary activities
$146Service charges on deposit accounts
$0Trading account gains & fees
$28Additional noninterest income
$890Total noninterest expense
$547Salaries and employee benefits
$149Premises and equipment expense
$194Additional noninterest expense
$878Pre-tax net operating income
$128Securities gains (losses)
$315Applicable income taxes
$691Income before extraordinary items
$0Extraordinary gains - net
$691Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$34Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.26%Yield on earning assets
3.91%Cost of funding earning assets
4.35%Net interest margin
0.47%Noninterest income to earning assets
2.39%Noninterest expense to earning assets
1.51%Net operating income to assets
1.74%Return on assets (ROA)
2.53%Pretax return on assets
14.80%Return on equity (ROE)
14.80%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
73.53%Credit loss provision to net charge-offs
26.56%Efficiency ratio
49,637Assets per employee
2.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.17%Loss allowance to noncurrent loans
98.43%Noncurrent assets plus other real estate owned to assets
0.64%Noncurrent loans to loans
1.18%Net loans and leases to deposits
61.62%Net loans and leases to core deposits
72.99%Equity capital to assets
12.62%Core capital (leverage) ratio
12.31%Tier 1 risk-based capital ratio
20.26%Total risk-based capital ratio
Memoranda
$21Average assets
$39,783Average earning assets
$4,669Average equity
$37,227Average loans
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