The First National Bank of Lindsay in Lindsay, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Lindsay - Overview

  • General
  • FDIC Certificate #: 4134
    Status: Active
    Federal Reserve ID: 296858
    Bank Holding Company (Regulatory Top Holder): First Lindsay Corporation (RSSDID: 1917897, Location: Lindsay, OK)
    Date Established: April 02, 1902
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 2698
    Numeric code: 3
    Regulator: OCC
    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: No
    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: 101 South Main Street, Lindsay, OK 73052
    County: Garvin
    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: $3.3 mil
    Deposits held in domestic offices: $34.5 mil
    Return on assets (ROA): 0.91% ($0.3 mil)
    Quarterly return on assets: 0.30% ($0.1 mil)
    Return on Equity (ROE): 10.78% ($0.3 mil)
    Quarterly return on equity: 3.38% ($0.1 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.91% ($344.2 mil)
    Quarterly Pretax return on assets: 0.30% ($113.5 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
  • 7Total employees (full-time equivalent)
  • $37,825Total assets
  • $4,183Cash and due from depository institutions
  • $2,468Interest-bearing balances
  • $11,266Securities
  • $5,772Federal funds sold & reverse repurchase agreements
  • $14,807Net loans & leases
  • $342Loan loss allowance
  • $0Trading account assets
  • $627Bank premises and fixed assets
  • $244Other real estate owned
  • $0Goodwill and other intangibles
  • $37,826Life insurance assets
  • $926All other assets
  • $34,494Total liabilities and capital
  • $34,454Total liabilities
  • $24,277Total deposits
  • $34,454Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $40Subordinated debt
  • $3,332All other liabilities
  • $3,332Total equity capital
  • $3,332Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $1,650Surplus
  • $1,532Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $558Income earned, not collected on loans
  • $0Earning assets
  • $261Long-term assets (5+ years)
  • $34,313Average Assets, year-to-date
  • $9,836Average Assets, quarterly
  • $36,988Volatile liabilities
  • $37,543Insider loans
  • $19,803FHLB advances
  • $37,513Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,907Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $439Restructured Loans and leases
  • $132Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,243Total interest income
  • $231Total interest expense
  • $1,012Net interest income
  • $60Provision for loan and lease losses
  • $312Total noninterest income
  • $0Fiduciary activities
  • $254Service charges on deposit accounts
  • $0Trading account gains & fees
  • $58Additional noninterest income
  • $927Total noninterest expense
  • $340Salaries and employee benefits
  • $39Premises and equipment expense
  • $548Additional noninterest expense
  • $337Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $337Income before extraordinary items
  • $0Extraordinary gains - net
  • $337Net income attributable to bank
  • $0Net charge-offs
  • $337Cash dividends
  • $51Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.74%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 3.04%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 2.79%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 0.91%Pretax return on assets
  • 10.78%Return on equity (ROE)
  • 10.78%Retained earnings to average equity (YTD only)
  • 0.35%Net charge-offs to loans
  • 117.65%Credit loss provision to net charge-offs
  • 7.78%Efficiency ratio
  • 70,015Assets per employee
  • 5.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.26%Loss allowance to noncurrent loans
  • 61.29%Noncurrent assets plus other real estate owned to assets
  • 2.12%Noncurrent loans to loans
  • 3.68%Net loans and leases to deposits
  • 42.98%Net loans and leases to core deposits
  • 44.22%Equity capital to assets
  • 8.81%Core capital (leverage) ratio
  • 7.75%Tier 1 risk-based capital ratio
  • 14.68%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $36,988Average earning assets
  • $3,128Average equity
  • $33,244Average loans

List of branches

  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02698The First National Bank Of Lindsay101 South Main Street, Lindsay, OK 73052April 02, 1902Full Service Brick and Mortar

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