The Farmers Bank in Carnegie, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Farmers Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 15Total employees (full-time equivalent)
  • $55,050Total assets
  • $1,318Cash and due from depository institutions
  • $0Interest-bearing balances
  • $4,093Securities
  • $4,327Federal funds sold & reverse repurchase agreements
  • $42,802Net loans & leases
  • $379Loan loss allowance
  • $0Trading account assets
  • $471Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $55,050Life insurance assets
  • $2,039All other assets
  • $50,070Total liabilities and capital
  • $49,993Total liabilities
  • $42,077Total deposits
  • $49,993Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $77Subordinated debt
  • $4,980All other liabilities
  • $4,980Total equity capital
  • $4,980Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $700Surplus
  • $3,880Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $913Income earned, not collected on loans
  • $0Earning assets
  • $772Long-term assets (5+ years)
  • $51,222Average Assets, year-to-date
  • $1,058Average Assets, quarterly
  • $54,250Volatile liabilities
  • $55,099Insider loans
  • $46,075FHLB advances
  • $54,887Loans and leases held for sale
  • $1,023Unused loan commitments
  • $1,023Tier 1 (core) risk-based capital
  • $4,944Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,150Restructured Loans and leases
  • $419Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,235Total interest income
  • $619Total interest expense
  • $2,616Net interest income
  • $120Provision for loan and lease losses
  • $454Total noninterest income
  • $0Fiduciary activities
  • $414Service charges on deposit accounts
  • $0Trading account gains & fees
  • $40Additional noninterest income
  • $1,913Total noninterest expense
  • $1,147Salaries and employee benefits
  • $209Premises and equipment expense
  • $557Additional noninterest expense
  • $1,037Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,037Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,037Net income attributable to bank
  • $0Net charge-offs
  • $1,037Cash dividends
  • $126Sale, conversion, retirement of capital stock, net
  • $1,060Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.42%Yield on earning assets
  • 1.23%Cost of funding earning assets
  • 5.19%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 3.80%Noninterest expense to earning assets
  • 1.91%Net operating income to assets
  • 1.91%Return on assets (ROA)
  • 1.91%Pretax return on assets
  • 20.57%Return on equity (ROE)
  • -0.46%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 95.24%Credit loss provision to net charge-offs
  • 9.18%Efficiency ratio
  • 62,313Assets per employee
  • 3.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 102.22%Loss allowance to loans
  • 0.88%Loss allowance to noncurrent loans
  • 41.51%Noncurrent assets plus other real estate owned to assets
  • 1.66%Noncurrent loans to loans
  • 2.11%Net loans and leases to deposits
  • 85.62%Net loans and leases to core deposits
  • 98.40%Equity capital to assets
  • 9.05%Core capital (leverage) ratio
  • 9.01%Tier 1 risk-based capital ratio
  • 10.73%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $54,250Average earning assets
  • $5,042Average equity
  • $50,374Average loans

List of branches

  • 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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