Southwest State Bank in Sentinel, Oklahoma (OK)

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Southwest State Bank routing number info

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Southwest State Bank
GeneralFDIC Certificate #: 4195
Status: Active
Federal Reserve ID: 249153
Date Established: April 04, 1911
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
OTS Docket #: 16016
FDIC's unique #: 2748
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 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
LocationAddress: 122 East Main Street, Sentinel, OK 73664
County: Washita
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 ChangesChange in Location
Financial SummaryTotal assets: $106.9 mil
Equity capital: $9.6 mil
Deposits held in domestic offices: $92.6 mil
Return on assets (ROA): 0.70% ($0.7 mil)
Quarterly return on assets: 1.25% ($1.3 mil)
Return on Equity (ROE): 8.14% ($0.8 mil)
Quarterly return on equity: 14.22% ($1.4 mil)
Net income: $0.7 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.70% ($748.3 mil)
Quarterly Pretax return on assets: 1.25% ($1,336.3 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)
Total employees (full-time equivalent)16
Total assets$106,901
Cash and due from depository institutions$494
Interest-bearing balances$46
Federal funds sold & reverse repurchase agreements$106
Net loans & leases$51,218
Loan loss allowance $847
Trading account assets$0
Bank premises and fixed assets$320
Other real estate owned$28
Goodwill and other intangibles$0
All other assets$4,374
Life insurance assets$106,901
Total liabilities and capital$97,331
Total liabilities$92,619
Total deposits$86,782
Interest-bearing deposits$92,619
Deposits held in domestic offices$97
% insured (estimated)4520.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $192
All other liabilities $9,570
Total equity capital$9,570
Total bank equity capital$9,570
Perpetual preferred stock$0
Common stock$441
Undivided profits $3,080
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,542
Earning assets $0
Long-term assets (5+ years) $835
Average Assets, year-to-date $101,731
Average Assets, quarterly $40,122
Volatile liabilities $106,646
Insider loans $106,413
FHLB advances $79,862
Loans and leases held for sale $105,537
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $9,035
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $10,247
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,171
Total interest expense $1,472
Net interest income $3,699
Provision for loan and lease losses $711
Total noninterest income $189
Fiduciary activities $0
Service charges on deposit accounts $160
Trading account gains & fees $0
Additional noninterest income $29
Total noninterest expense $2,432
Salaries and employee benefits $948
Premises and equipment expense $573
Additional noninterest expense $911
Pre-tax net operating income $745
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $745
Extraordinary gains - net $0
Net income attributable to bank $745
Net charge-offs $0
Cash dividends $745
Sale, conversion, retirement of capital stock, net $473
Net operating income $435
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.12%
Cost of funding earning assets 1.46%
Net interest margin 3.66%
Noninterest income to earning assets 0.19%
Noninterest expense to earning assets 2.41%
Net operating income to assets 0.70%
Return on assets (ROA) 0.70%
Pretax return on assets 0.70%
Return on equity (ROE) 8.14%
Retained earnings to average equity (YTD only) 3.39%
Net charge-offs to loans 0.89%
Credit loss provision to net charge-offs 150.32%
Efficiency ratio3.08%
Assets per employee$62,551
Cash dividends to net income (YTD only)6.68%
Condition Ratios (%)
Loss allowance to loans 58.39%
Loss allowance to noncurrent loans 1.63%
Noncurrent assets plus other real estate owned to assets 54.93%
Noncurrent loans to loans 1.47%
Net loans and leases to deposits2.96%
Net loans and leases to core deposits 55.30%
Equity capital to assets 56.72%
Core capital (leverage) ratio 8.95%
Tier 1 risk-based capital ratio 8.56%
Total risk-based capital ratio 11.31%
Average assets$12
Average earning assets$106,646
Average equity $9,152
Average loans $100,982
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1 Oklahoma Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02748Southwest State Bank122 East Main Street, Sentinel, OK 73664April 04, 1911Full Service Brick and Mortar
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