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

Peoples State Bank - Overview

  • General
  • FDIC Certificate #: 17138
    Status: Active
    Federal Reserve ID: 991854
    Bank Holding Company (Regulatory Top Holder): H. Pat Henson Company, The (RSSDID: 1053526, Location: Maysville, OK)
    Date Established: August 25, 1952
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10208
    FDIC's unique #: 11178
    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 25, 1952
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: June 17, 2010
    Last Data Update: June 17, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 117 East Main Street, Blair, OK 73526
    County: Jackson
    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
    Core Based Statistical Area (CBSA): Altus, OK (#11060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $16.8 mil
    Equity capital: $1.6 mil
    Deposits held in domestic offices: $15.2 mil
    Return on assets (ROA): 2.00% ($0.3 mil)
    Quarterly return on assets: 1.24% ($0.2 mil)
    Return on Equity (ROE): 20.86% ($0.4 mil)
    Quarterly return on equity: 13.30% ($0.3 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 2.00% ($336.7 mil)
    Quarterly Pretax return on assets: 1.24% ($208.7 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
  • 12Total employees (full-time equivalent)
  • $16,834Total assets
  • $1,979Cash and due from depository institutions
  • $1,381Interest-bearing balances
  • $425Securities
  • $1,237Federal funds sold & reverse repurchase agreements
  • $12,719Net loans & leases
  • $145Loan loss allowance
  • $0Trading account assets
  • $244Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $16,834Life insurance assets
  • $230All other assets
  • $15,260Total liabilities and capital
  • $15,243Total liabilities
  • $11,563Total deposits
  • $15,243Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $17Subordinated debt
  • $1,574All other liabilities
  • $1,574Total equity capital
  • $1,574Total bank equity capital
  • $0Perpetual preferred stock
  • $156Common stock
  • $941Surplus
  • $477Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $143Long-term assets (5+ years)
  • $15,762Average Assets, year-to-date
  • $4,051Average Assets, quarterly
  • $16,668Volatile liabilities
  • $17,070Insider loans
  • $13,562FHLB advances
  • $17,617Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,543Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,175Restructured Loans and leases
  • $61Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $985Total interest income
  • $104Total interest expense
  • $881Net interest income
  • $36Provision for loan and lease losses
  • $212Total noninterest income
  • $0Fiduciary activities
  • $189Service charges on deposit accounts
  • $0Trading account gains & fees
  • $23Additional noninterest income
  • $724Total noninterest expense
  • $368Salaries and employee benefits
  • $89Premises and equipment expense
  • $267Additional noninterest expense
  • $333Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $333Income before extraordinary items
  • $0Extraordinary gains - net
  • $333Net income attributable to bank
  • $0Net charge-offs
  • $333Cash dividends
  • $28Sale, conversion, retirement of capital stock, net
  • $370Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.38%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 5.70%Net interest margin
  • 1.37%Noninterest income to earning assets
  • 4.69%Noninterest expense to earning assets
  • 2.00%Net operating income to assets
  • 2.00%Return on assets (ROA)
  • 2.00%Pretax return on assets
  • 20.86%Return on equity (ROE)
  • -2.32%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 128.57%Credit loss provision to net charge-offs
  • 13.18%Efficiency ratio
  • 66,240Assets per employee
  • 1.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 111.11%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 83.44%Net loans and leases to core deposits
  • 84.84%Equity capital to assets
  • 9.35%Core capital (leverage) ratio
  • 8.76%Tier 1 risk-based capital ratio
  • 11.38%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $16,668Average earning assets
  • $1,596Average equity
  • $15,445Average loans

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011178Peoples State Bank117 East Main Street, Blair, OK 73526August 25, 1952Full Service Brick and Mortar
    12692211714 West Gore Branch1714 West Gore, Lawton, OK 73501January 01, 1921Full Service Brick and Mortar

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