FDIC Certificate #: 5995 Status: Active Federal Reserve ID: 102155 Bank Holding Company (Regulatory Top Holder): S G Bancshares, Inc. (RSSDID: 1058428, Location: Okeene, OK) Date Established: January 01, 1900 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 4063 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: No Asset Concentration Hierarchy: Agricultural Specialization 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: 200 North Main Street, Okeene, OK 73763 County: Blaine 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 Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $37.8 mil Equity capital: $4.6 mil Deposits held in domestic offices: $32.5 mil Return on assets (ROA): 0.74% ($0.3 mil) Quarterly return on assets: 0.63% ($0.2 mil) Return on Equity (ROE): 6.23% ($0.3 mil) Quarterly return on equity: 5.18% ($0.3 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.89% ($336.3 mil) Quarterly Pretax return on assets: 0.78% ($294.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$37,786Total assets
$1,025Cash and due from depository institutions
$0Interest-bearing balances
$21,937Securities
$66Federal funds sold & reverse repurchase agreements
$12,879Net loans & leases
$103Loan loss allowance
$0Trading account assets
$261Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$37,786Life insurance assets
$1,618All other assets
$33,194Total liabilities and capital
$32,484Total liabilities
$28,486Total deposits
$32,484Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$710Subordinated debt
$4,592All other liabilities
$4,592Total equity capital
$4,592Total bank equity capital
$0Perpetual preferred stock
$600Common stock
$600Surplus
$3,392Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$57Income earned, not collected on loans
$0Earning assets
$292Long-term assets (5+ years)
$34,882Average Assets, year-to-date
$5,776Average Assets, quarterly
$38,296Volatile liabilities
$38,428Insider loans
$19,858FHLB advances
$38,003Loans and leases held for sale
$1,165Unused loan commitments
$1,165Tier 1 (core) risk-based capital
$4,153Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,185Restructured Loans and leases
$13Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,332Total interest income
$314Total interest expense
$1,018Net interest income
$0Provision for loan and lease losses
$363Total noninterest income
$0Fiduciary activities
$185Service charges on deposit accounts
$0Trading account gains & fees
$178Additional noninterest income
$1,042Total noninterest expense
$494Salaries and employee benefits
$117Premises and equipment expense
$431Additional noninterest expense
$339Pre-tax net operating income
$0Securities gains (losses)
$54Applicable income taxes
$285Income before extraordinary items
$0Extraordinary gains - net
$285Net income attributable to bank
$0Net charge-offs
$285Cash dividends
-$11Sale, conversion, retirement of capital stock, net
$225Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.75%Yield on earning assets
0.88%Cost of funding earning assets
2.87%Net interest margin
1.02%Noninterest income to earning assets
2.94%Noninterest expense to earning assets
0.74%Net operating income to assets
0.74%Return on assets (ROA)
0.89%Pretax return on assets
6.23%Return on equity (ROE)
1.31%Retained earnings to average equity (YTD only)
-0.09%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
75,453Assets per employee
3.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
78.95%Loss allowance to loans
0.79%Loss allowance to noncurrent loans
180.70%Noncurrent assets plus other real estate owned to assets
0.15%Noncurrent loans to loans
0.44%Net loans and leases to deposits
39.65%Net loans and leases to core deposits
43.97%Equity capital to assets
12.15%Core capital (leverage) ratio
10.93%Tier 1 risk-based capital ratio
20.91%Total risk-based capital ratio
Memoranda
$21Average assets
$38,296Average earning assets
$4,577Average equity
$35,489Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
4063
State Guaranty Bank
200 North Main Street, Okeene, OK 73763
January 01, 1900
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with State Guaranty Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: