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

This bank is inactive as of October 01, 1997

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

  • General
  • FDIC Certificate #: 4188
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First National Bank and Trust Company of Ardmore (#4037)
    Federal Reserve ID: 465355
    Date Established: January 01, 1914
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 2741
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 01, 1997
    Last Structure Change Process Date: January 06, 1998
    Last Data Update: January 06, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 225 West Main Street, Ringling, OK 73456
    County: Jefferson
    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
  • Financial Summary
  • Total assets: $31.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $12Total assets
  • $31,065Cash and due from depository institutions
  • $2,503Interest-bearing balances
  • $1,487Securities
  • $18,766Federal funds sold & reverse repurchase agreements
  • $2,000Net loans & leases
  • $7,128Loan loss allowance
  • $195Trading account assets
  • $0Bank premises and fixed assets
  • $85Other real estate owned
  • $0Goodwill and other intangibles
  • $583Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $31,065Total liabilities
  • $25,762Total deposits
  • $25,560Interest-bearing deposits
  • $23,172Deposits held in domestic offices
  • 25560.00%% insured (estimated)
  • $83Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $202Total equity capital
  • $202Total bank equity capital
  • $5,303Perpetual preferred stock
  • $0Common stock
  • $530Surplus
  • $530Undivided profits
  • Memoranda
  • $4,243Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $168Earning assets
  • $29,381Long-term assets (5+ years)
  • $736Average Assets, year-to-date
  • $31,499Average Assets, quarterly
  • $31,338Volatile liabilities
  • $5,651Insider loans
  • $35FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $154Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,154Total risk weighted assets
  • $8,414Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,337Total interest expense
  • $1,023Net interest income
  • $1,314Provision for loan and lease losses
  • $93Total noninterest income
  • $151Fiduciary activities
  • $0Service charges on deposit accounts
  • $128Trading account gains & fees
  • $0Additional noninterest income
  • $23Total noninterest expense
  • $720Salaries and employee benefits
  • $339Premises and equipment expense
  • $64Additional noninterest expense
  • $317Pre-tax net operating income
  • $652Securities gains (losses)
  • $0Applicable income taxes
  • $221Income before extraordinary items
  • $431Extraordinary gains - net
  • $0Net income attributable to bank
  • $431Net charge-offs
  • $100Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.90%Cost of funding earning assets
  • 3.46%Net interest margin
  • 4.44%Noninterest income to earning assets
  • 0.51%Noninterest expense to earning assets
  • 2.43%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 2.07%Return on equity (ROE)
  • 8.21%Retained earnings to average equity (YTD only)
  • 8.21%Net charge-offs to loans
  • 1.30%Credit loss provision to net charge-offs
  • 93.00%Efficiency ratio
  • 49,147Assets per employee
  • 2.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.66%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
  • 27.89%Net loans and leases to core deposits
  • 35.80%Equity capital to assets
  • 17.07%Core capital (leverage) ratio
  • 16.28%Tier 1 risk-based capital ratio
  • 61.26%Total risk-based capital ratio
  • Memoranda
  • $63Average assets
  • $31,499Average earning assets
  • $5,247Average equity
  • $29,596Average loans

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