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

  • Oklahoma State Bank in Guthrie, Oklahoma (OK)
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Oklahoma State Bank - Overview

  • General
  • FDIC Certificate #: 5994
    Status: Active
    Federal Reserve ID: 905356
    Bank Holding Company (Regulatory Top Holder): Town & Country Bancshares, Inc. (RSSDID: 2725660, Location: Guthrie, OK)
    Date Established: January 01, 1909
    WWW: http://www.osbbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 4062
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 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: 2610 South Division Avenue, Guthrie, OK 73044
    County: Logan
    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
    Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880)
    Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
    Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
    CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $52.0 mil
    Equity capital: $5.5 mil
    Deposits held in domestic offices: $45.4 mil
    Return on assets (ROA): 1.27% ($0.7 mil)
    Quarterly return on assets: 1.06% ($0.6 mil)
    Return on Equity (ROE): 11.43% ($0.7 mil)
    Quarterly return on equity: 10.05% ($0.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.27% ($660.6 mil)
    Quarterly Pretax return on assets: 1.06% ($551.4 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
  • 21Total employees (full-time equivalent)
  • $52,018Total assets
  • $3,583Cash and due from depository institutions
  • $2,392Interest-bearing balances
  • $11,102Securities
  • $4,189Federal funds sold & reverse repurchase agreements
  • $30,628Net loans & leases
  • $400Loan loss allowance
  • $0Trading account assets
  • $890Bank premises and fixed assets
  • $86Other real estate owned
  • $883Goodwill and other intangibles
  • $52,018Life insurance assets
  • $657All other assets
  • $46,491Total liabilities and capital
  • $45,416Total liabilities
  • $33,573Total deposits
  • $45,416Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $75Subordinated debt
  • $5,527All other liabilities
  • $5,527Total equity capital
  • $5,527Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $3,250Surplus
  • $2,127Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $446Income earned, not collected on loans
  • $67Earning assets
  • $313Long-term assets (5+ years)
  • $48,311Average Assets, year-to-date
  • $15,056Average Assets, quarterly
  • $48,882Volatile liabilities
  • $51,658Insider loans
  • $30,403FHLB advances
  • $50,026Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,478Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,699Restructured Loans and leases
  • $135Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,525Total interest income
  • $371Total interest expense
  • $2,154Net interest income
  • $120Provision for loan and lease losses
  • $436Total noninterest income
  • $0Fiduciary activities
  • $314Service charges on deposit accounts
  • $0Trading account gains & fees
  • $122Additional noninterest income
  • $1,889Total noninterest expense
  • $1,092Salaries and employee benefits
  • $211Premises and equipment expense
  • $586Additional noninterest expense
  • $581Pre-tax net operating income
  • $38Securities gains (losses)
  • $0Applicable income taxes
  • $619Income before extraordinary items
  • $0Extraordinary gains - net
  • $619Net income attributable to bank
  • $0Net charge-offs
  • $619Cash dividends
  • $90Sale, conversion, retirement of capital stock, net
  • $545Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.63%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 4.80%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 4.21%Noninterest expense to earning assets
  • 1.19%Net operating income to assets
  • 1.27%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 11.43%Return on equity (ROE)
  • 1.37%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 133.33%Credit loss provision to net charge-offs
  • 7.79%Efficiency ratio
  • 72,934Assets per employee
  • 2.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 88.05%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 89.69%Noncurrent assets plus other real estate owned to assets
  • 1.02%Noncurrent loans to loans
  • 1.44%Net loans and leases to deposits
  • 67.44%Net loans and leases to core deposits
  • 69.20%Equity capital to assets
  • 10.63%Core capital (leverage) ratio
  • 8.95%Tier 1 risk-based capital ratio
  • 14.73%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $48,882Average earning assets
  • $5,418Average equity
  • $44,837Average loans

List of branches

  • 4 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04062Oklahoma State Bank2610 South Division Avenue, Guthrie, OK 73044January 01, 1909Full Service Brick and Mortar
    1208595North Edmond Branch14700 N. Coltrane, Edmond, OK 73034August 22, 1984Full Service Brick and Mortar
    22647Coyle Branch116 West Main, Coyle, OK 73027October 03, 1903Full Service Brick and Mortar
    3208596Mulhall BranchMain And Sullivan Streets, Mulhall, OK 73063November 12, 1996Full Service Brick and Mortar

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