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


State Guaranty Bank - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    04063State Guaranty Bank200 North Main Street, Okeene, OK 73763January 01, 1900Full Service Brick and Mortar

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