State Guaranty Bank in Okeene, Oklahoma (OK)

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State Guaranty Bank routing number info

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State Guaranty Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)12
Total assets$37,786
Cash and due from depository institutions$1,025
Interest-bearing balances$0
Federal funds sold & reverse repurchase agreements$66
Net loans & leases$12,879
Loan loss allowance $103
Trading account assets$0
Bank premises and fixed assets$261
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,618
Life insurance assets$37,786
Total liabilities and capital$33,194
Total liabilities$32,484
Total deposits$28,486
Interest-bearing deposits$32,484
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $710
All other liabilities $4,592
Total equity capital$4,592
Total bank equity capital$4,592
Perpetual preferred stock$0
Common stock$600
Undivided profits $3,392
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 $57
Earning assets $0
Long-term assets (5+ years) $292
Average Assets, year-to-date $34,882
Average Assets, quarterly $5,776
Volatile liabilities $38,296
Insider loans $38,428
FHLB advances $19,858
Loans and leases held for sale $38,003
Unused loan commitments $1,165
Tier 1 (core) risk-based capital $1,165
Tier 2 risk-based capital $4,153
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,185
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,332
Total interest expense $314
Net interest income $1,018
Provision for loan and lease losses $0
Total noninterest income $363
Fiduciary activities $0
Service charges on deposit accounts $185
Trading account gains & fees $0
Additional noninterest income $178
Total noninterest expense $1,042
Salaries and employee benefits $494
Premises and equipment expense $117
Additional noninterest expense $431
Pre-tax net operating income $339
Securities gains (losses) $0
Applicable income taxes $54
Income before extraordinary items $285
Extraordinary gains - net $0
Net income attributable to bank $285
Net charge-offs $0
Cash dividends $285
Sale, conversion, retirement of capital stock, net -$11
Net operating income $225
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.75%
Cost of funding earning assets 0.88%
Net interest margin 2.87%
Noninterest income to earning assets 1.02%
Noninterest expense to earning assets 2.94%
Net operating income to assets 0.74%
Return on assets (ROA) 0.74%
Pretax return on assets 0.89%
Return on equity (ROE) 6.23%
Retained earnings to average equity (YTD only) 1.31%
Net charge-offs to loans -0.09%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$75,453
Cash dividends to net income (YTD only)3.15%
Condition Ratios (%)
Loss allowance to loans 78.95%
Loss allowance to noncurrent loans 0.79%
Noncurrent assets plus other real estate owned to assets 180.70%
Noncurrent loans to loans 0.15%
Net loans and leases to deposits0.44%
Net loans and leases to core deposits 39.65%
Equity capital to assets 43.97%
Core capital (leverage) ratio 12.15%
Tier 1 risk-based capital ratio 10.93%
Total risk-based capital ratio 20.91%
Average assets$21
Average earning assets$38,296
Average equity $4,577
Average loans $35,489
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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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