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


Oklahoma State Bank - Overview

  • General
  • FDIC Certificate #: 15611
    Status: Active
    Federal Reserve ID: 285759
    Bank Holding Company (Regulatory Top Holder): Oklahoma State Bancshares, Inc. (RSSDID: 1059797, Location: Vinita, OK)
    Date Established: July 13, 1938
    WWW: http://www.okstatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 9894
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 19, 1938
    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: 120 West Canadian Street, Vinita, OK 74301
    County: Craig
    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: $110.7 mil
    Equity capital: $10.7 mil
    Deposits held in domestic offices: $93.9 mil
    Return on assets (ROA): 1.08% ($1.2 mil)
    Quarterly return on assets: 1.10% ($1.2 mil)
    Return on Equity (ROE): 11.40% ($1.3 mil)
    Quarterly return on equity: 11.49% ($1.3 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.08% ($1,196.0 mil)
    Quarterly Pretax return on assets: 1.10% ($1,218.2 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
  • 35Total employees (full-time equivalent)
  • $110,743Total assets
  • $5,282Cash and due from depository institutions
  • $1,000Interest-bearing balances
  • $19,812Securities
  • $2,609Federal funds sold & reverse repurchase agreements
  • $78,053Net loans & leases
  • $1,161Loan loss allowance
  • $0Trading account assets
  • $1,709Bank premises and fixed assets
  • $901Other real estate owned
  • $0Goodwill and other intangibles
  • $110,743Life insurance assets
  • $2,377All other assets
  • $100,014Total liabilities and capital
  • $93,936Total liabilities
  • $72,021Total deposits
  • $93,936Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,000Trading liabilities
  • $0Other borrowed funds
  • $78Subordinated debt
  • $10,729All other liabilities
  • $10,729Total equity capital
  • $10,729Total bank equity capital
  • $0Perpetual preferred stock
  • $714Common stock
  • $1,265Surplus
  • $8,750Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $634Income earned, not collected on loans
  • $0Earning assets
  • $650Long-term assets (5+ years)
  • $101,474Average Assets, year-to-date
  • $25,359Average Assets, quarterly
  • $106,762Volatile liabilities
  • $110,710Insider loans
  • $92,029FHLB advances
  • $109,676Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,398Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,966Restructured Loans and leases
  • $442Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,761Total interest income
  • $1,119Total interest expense
  • $4,642Net interest income
  • $300Provision for loan and lease losses
  • $1,055Total noninterest income
  • $0Fiduciary activities
  • $579Service charges on deposit accounts
  • $0Trading account gains & fees
  • $476Additional noninterest income
  • $4,249Total noninterest expense
  • $2,179Salaries and employee benefits
  • $649Premises and equipment expense
  • $1,421Additional noninterest expense
  • $1,148Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,148Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,148Net income attributable to bank
  • $0Net charge-offs
  • $1,148Cash dividends
  • $140Sale, conversion, retirement of capital stock, net
  • $373Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.82%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 4.69%Net interest margin
  • 1.06%Noninterest income to earning assets
  • 4.29%Noninterest expense to earning assets
  • 1.08%Net operating income to assets
  • 1.08%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 11.40%Return on equity (ROE)
  • 7.70%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 214.29%Credit loss provision to net charge-offs
  • 10.34%Efficiency ratio
  • 74,583Assets per employee
  • 3.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.49%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 183.12%Noncurrent assets plus other real estate owned to assets
  • 1.39%Noncurrent loans to loans
  • 0.80%Net loans and leases to deposits
  • 83.09%Net loans and leases to core deposits
  • 97.00%Equity capital to assets
  • 9.69%Core capital (leverage) ratio
  • 9.48%Tier 1 risk-based capital ratio
  • 11.30%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $106,762Average earning assets
  • $10,069Average equity
  • $99,064Average loans

List of branches

  • 3 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09894Oklahoma State Bank120 West Canadian Street, Vinita, OK 74301July 13, 1938Full Service Brick and Mortar
    1364809Langley Oklahoma Branch1699 N. Third St., Langley, OK 74350July 26, 2002Full Service Brick and Mortar
    2493079Monkey Island Branch26551 S Hwy 125, Afton, OK 74331July 06, 2009Full Service Brick and Mortar

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