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

Oklahoma State Bank - Overview

  • General
  • FDIC Certificate #: 13416
    Status: Active
    Federal Reserve ID: 324256
    Bank Holding Company (Regulatory Top Holder): Buffalo Bancshares, Inc. (RSSDID: 1065864, Location: Buffalo, OK)
    Date Established: Febuary 10, 1930
    WWW: http://www.osbbuffalo.com
    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 #: 8449
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 02, 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: 122 South Hoy St, Buffalo, OK 73834
    County: Harper
    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
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $48.8 mil
    Equity capital: $3.7 mil
    Deposits held in domestic offices: $45.1 mil
    Return on assets (ROA): 1.89% ($0.9 mil)
    Quarterly return on assets: 1.40% ($0.7 mil)
    Return on Equity (ROE): 25.54% ($1.0 mil)
    Quarterly return on equity: 18.00% ($0.7 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.89% ($921.6 mil)
    Quarterly Pretax return on assets: 1.40% ($682.7 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
  • 17Total employees (full-time equivalent)
  • $48,763Total assets
  • $5,773Cash and due from depository institutions
  • $4,726Interest-bearing balances
  • $16,729Securities
  • $1,361Federal funds sold & reverse repurchase agreements
  • $23,506Net loans & leases
  • $268Loan loss allowance
  • $0Trading account assets
  • $329Bank premises and fixed assets
  • $119Other real estate owned
  • $0Goodwill and other intangibles
  • $48,763Life insurance assets
  • $946All other assets
  • $45,094Total liabilities and capital
  • $45,060Total liabilities
  • $33,983Total deposits
  • $45,060Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $34Subordinated debt
  • $3,669All other liabilities
  • $3,669Total equity capital
  • $3,669Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,000Surplus
  • $1,669Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $23Income earned, not collected on loans
  • $0Earning assets
  • $437Long-term assets (5+ years)
  • $46,322Average Assets, year-to-date
  • $13,902Average Assets, quarterly
  • $48,762Volatile liabilities
  • $47,867Insider loans
  • $28,483FHLB advances
  • $47,622Loans and leases held for sale
  • $376Unused loan commitments
  • $376Tier 1 (core) risk-based capital
  • $3,669Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,047Restructured Loans and leases
  • $329Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,226Total interest income
  • $206Total interest expense
  • $2,020Net interest income
  • $21Provision for loan and lease losses
  • $403Total noninterest income
  • $0Fiduciary activities
  • $290Service charges on deposit accounts
  • $0Trading account gains & fees
  • $113Additional noninterest income
  • $1,478Total noninterest expense
  • $862Salaries and employee benefits
  • $213Premises and equipment expense
  • $403Additional noninterest expense
  • $924Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $924Income before extraordinary items
  • $0Extraordinary gains - net
  • $924Net income attributable to bank
  • $0Net charge-offs
  • $924Cash dividends
  • $7Sale, conversion, retirement of capital stock, net
  • $700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.80%Yield on earning assets
  • 0.44%Cost of funding earning assets
  • 4.36%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 3.19%Noninterest expense to earning assets
  • 1.89%Net operating income to assets
  • 1.89%Return on assets (ROA)
  • 1.89%Pretax return on assets
  • 25.54%Return on equity (ROE)
  • 6.19%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 300.00%Credit loss provision to net charge-offs
  • 135.00%Efficiency ratio
  • 60,999Assets per employee
  • 2.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.76%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 1165.22%Noncurrent assets plus other real estate owned to assets
  • 0.29%Noncurrent loans to loans
  • 0.10%Net loans and leases to deposits
  • 52.17%Net loans and leases to core deposits
  • 55.39%Equity capital to assets
  • 7.52%Core capital (leverage) ratio
  • 7.70%Tier 1 risk-based capital ratio
  • 12.88%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $48,762Average earning assets
  • $3,618Average equity
  • $46,328Average loans

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08449Oklahoma State Bank122 South Hoy St, Buffalo, OK 73834Febuary 10, 1930Full Service Brick and Mortar
    14066Gage Branch506 North Main Street, Gage, OK 73843August 24, 1924Full Service Brick and Mortar

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