The Farmers Bank in Carnegie, Oklahoma (OK)



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The Farmers Bank
GeneralFDIC Certificate #: 4054
Status: Active
Federal Reserve ID: 998657
Bank Holding Company (Regulatory Top Holder): Farmers Bancapital Corporation, The (RSSDID: 1067907, Location: Carnegie, OK)
Date Established: October 27, 1905
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 #: 53315
FDIC's unique #: 2629
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: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 31 West Main Street, Carnegie, OK 73015
County: Caddo
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: $55.0 mil
Equity capital: $5.0 mil
Deposits held in domestic offices: $50.0 mil
Return on assets (ROA): 1.91% ($1.1 mil)
Quarterly return on assets: -0.28% (-$0.2 mil)
Return on Equity (ROE): 20.57% ($1.0 mil)
Quarterly return on equity: -3.00% (-$0.1 mil)
Net income: $1.0 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: 1.91% ($1,051.5 mil)
Quarterly Pretax return on assets: -0.28% (-$154.1 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)15
Total assets$55,050
Cash and due from depository institutions$1,318
Interest-bearing balances$0
Securities$4,093
Federal funds sold & reverse repurchase agreements$4,327
Net loans & leases$42,802
Loan loss allowance $379
Trading account assets$0
Bank premises and fixed assets$471
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$2,039
Life insurance assets$55,050
Total liabilities and capital$50,070
Total liabilities$49,993
Total deposits$42,077
Interest-bearing deposits$49,993
Deposits held in domestic offices$88
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $77
All other liabilities $4,980
Total equity capital$4,980
Total bank equity capital$4,980
Perpetual preferred stock$0
Common stock$400
Surplus$700
Undivided profits $3,880
Memoranda
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 $913
Earning assets $0
Long-term assets (5+ years) $772
Average Assets, year-to-date $51,222
Average Assets, quarterly $1,058
Volatile liabilities $54,250
Insider loans $55,099
FHLB advances $46,075
Loans and leases held for sale $54,887
Unused loan commitments $1,023
Tier 1 (core) risk-based capital $1,023
Tier 2 risk-based capital $4,944
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,150
Derivatives$419
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,235
Total interest expense $619
Net interest income $2,616
Provision for loan and lease losses $120
Total noninterest income $454
Fiduciary activities $0
Service charges on deposit accounts $414
Trading account gains & fees $0
Additional noninterest income $40
Total noninterest expense $1,913
Salaries and employee benefits $1,147
Premises and equipment expense $209
Additional noninterest expense $557
Pre-tax net operating income $1,037
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,037
Extraordinary gains - net $0
Net income attributable to bank $1,037
Net charge-offs $0
Cash dividends $1,037
Sale, conversion, retirement of capital stock, net $126
Net operating income $1,060
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.42%
Cost of funding earning assets 1.23%
Net interest margin 5.19%
Noninterest income to earning assets 0.90%
Noninterest expense to earning assets 3.80%
Net operating income to assets 1.91%
Return on assets (ROA) 1.91%
Pretax return on assets 1.91%
Return on equity (ROE) 20.57%
Retained earnings to average equity (YTD only) -0.46%
Net charge-offs to loans 0.29%
Credit loss provision to net charge-offs 95.24%
Efficiency ratio9.18%
Assets per employee$62,313
Cash dividends to net income (YTD only)3.67%
Condition Ratios (%)
Loss allowance to loans 102.22%
Loss allowance to noncurrent loans 0.88%
Noncurrent assets plus other real estate owned to assets 41.51%
Noncurrent loans to loans 1.66%
Net loans and leases to deposits2.11%
Net loans and leases to core deposits 85.62%
Equity capital to assets 98.40%
Core capital (leverage) ratio 9.05%
Tier 1 risk-based capital ratio 9.01%
Total risk-based capital ratio 10.73%
Memoranda
Average assets$12
Average earning assets$54,250
Average equity $5,042
Average loans $50,374
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1 Oklahoma Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02629The Farmers Bank31 West Main Street, Carnegie, OK 73015October 27, 1905Full Service Brick and Mortar
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