Lakeside Bank of Salina in Salina, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Lakeside Bank of Salina in Salina, Oklahoma (OK)
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Lakeside Bank of Salina - Overview

  • General
  • FDIC Certificate #: 21255
    Status: Active
    Federal Reserve ID: 391557
    Bank Holding Company (Regulatory Top Holder): First Pryor Bancorp, Inc. (RSSDID: 2224408, Location: Pryor, OK)
    Date Established: October 09, 1973
    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 #: 17181
    FDIC's unique #: 14700
    Numeric code: 13
    Regulator: FED
    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: Consumer Lending Specialization
    Date of Deposit Insurance: October 09, 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: 103 West Ferry, Salina, OK 74365
    County: Mayes
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $30.9 mil
    Equity capital: $3.2 mil
    Deposits held in domestic offices: $27.5 mil
    Return on assets (ROA): 1.22% ($0.4 mil)
    Quarterly return on assets: 2.25% ($0.7 mil)
    Return on Equity (ROE): 12.41% ($0.4 mil)
    Quarterly return on equity: 21.73% ($0.7 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.86% ($574.6 mil)
    Quarterly Pretax return on assets: 3.51% ($1,084.4 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
  • 13Total employees (full-time equivalent)
  • $30,894Total assets
  • $1,726Cash and due from depository institutions
  • $740Interest-bearing balances
  • $1,527Securities
  • $1,889Federal funds sold & reverse repurchase agreements
  • $23,159Net loans & leases
  • $594Loan loss allowance
  • $0Trading account assets
  • $900Bank premises and fixed assets
  • $302Other real estate owned
  • $0Goodwill and other intangibles
  • $30,894Life insurance assets
  • $1,391All other assets
  • $27,717Total liabilities and capital
  • $27,474Total liabilities
  • $22,528Total deposits
  • $27,474Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $243Subordinated debt
  • $3,177All other liabilities
  • $3,177Total equity capital
  • $3,177Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $973Surplus
  • $2,054Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $226Income earned, not collected on loans
  • $0Earning assets
  • $186Long-term assets (5+ years)
  • $27,315Average Assets, year-to-date
  • $5,416Average Assets, quarterly
  • $31,036Volatile liabilities
  • $30,513Insider loans
  • $22,890FHLB advances
  • $30,421Loans and leases held for sale
  • $1,017Unused loan commitments
  • $1,017Tier 1 (core) risk-based capital
  • $3,177Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $264Restructured Loans and leases
  • $20Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,804Total interest income
  • $153Total interest expense
  • $1,651Net interest income
  • $350Provision for loan and lease losses
  • $498Total noninterest income
  • $0Fiduciary activities
  • $156Service charges on deposit accounts
  • $0Trading account gains & fees
  • $342Additional noninterest income
  • $1,223Total noninterest expense
  • $695Salaries and employee benefits
  • $190Premises and equipment expense
  • $338Additional noninterest expense
  • $576Pre-tax net operating income
  • $0Securities gains (losses)
  • $197Applicable income taxes
  • $379Income before extraordinary items
  • $0Extraordinary gains - net
  • $379Net income attributable to bank
  • $0Net charge-offs
  • $379Cash dividends
  • $69Sale, conversion, retirement of capital stock, net
  • $150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.60%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 6.04%Net interest margin
  • 1.82%Noninterest income to earning assets
  • 4.48%Noninterest expense to earning assets
  • 1.22%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.86%Pretax return on assets
  • 12.41%Return on equity (ROE)
  • 7.50%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 507.25%Credit loss provision to net charge-offs
  • 13.42%Efficiency ratio
  • 56,910Assets per employee
  • 2.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.58%Loss allowance to loans
  • 2.50%Loss allowance to noncurrent loans
  • 262.83%Noncurrent assets plus other real estate owned to assets
  • 1.71%Noncurrent loans to loans
  • 0.95%Net loans and leases to deposits
  • 84.29%Net loans and leases to core deposits
  • 90.15%Equity capital to assets
  • 10.28%Core capital (leverage) ratio
  • 10.44%Tier 1 risk-based capital ratio
  • 13.88%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $31,036Average earning assets
  • $3,054Average equity
  • $27,317Average loans

List of branches

  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014700Lakeside Bank Of Salina103 West Ferry, Salina, OK 74365October 09, 1973Full Service Brick and Mortar

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