The First National Bank of Lindsay in Lindsay, Oklahoma (OK)
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| The First National Bank of Lindsay | |
|---|---|
| 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 WWW: http://www.fnblindsay.com 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 7 |
| Total assets | $37,825 |
| Cash and due from depository institutions | $4,183 |
| Interest-bearing balances | $2,468 |
| Securities | $11,266 |
| Federal funds sold & reverse repurchase agreements | $5,772 |
| Net loans & leases | $14,807 |
| Loan loss allowance | $342 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $627 |
| Other real estate owned | $244 |
| Goodwill and other intangibles | $0 |
| All other assets | $926 |
| Life insurance assets | $37,826 |
| Total liabilities and capital | $34,494 |
| Total liabilities | $34,454 |
| Total deposits | $24,277 |
| Interest-bearing deposits | $34,454 |
| Deposits held in domestic offices | $90 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $40 |
| All other liabilities | $3,332 |
| Total equity capital | $3,332 |
| Total bank equity capital | $3,332 |
| Perpetual preferred stock | $0 |
| Common stock | $150 |
| Surplus | $1,650 |
| Undivided profits | $1,532 |
| 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 | $558 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $261 |
| Average Assets, year-to-date | $34,313 |
| Average Assets, quarterly | $9,836 |
| Volatile liabilities | $36,988 |
| Insider loans | $37,543 |
| FHLB advances | $19,803 |
| Loans and leases held for sale | $37,513 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $2,907 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $439 |
| Derivatives | $132 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $1,243 |
| Total interest expense | $231 |
| Net interest income | $1,012 |
| Provision for loan and lease losses | $60 |
| Total noninterest income | $312 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $254 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $58 |
| Total noninterest expense | $927 |
| Salaries and employee benefits | $340 |
| Premises and equipment expense | $39 |
| Additional noninterest expense | $548 |
| Pre-tax net operating income | $337 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $0 |
| Income before extraordinary items | $337 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $337 |
| Net charge-offs | $0 |
| Cash dividends | $337 |
| Sale, conversion, retirement of capital stock, net | $51 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 3.74% |
| Cost of funding earning assets | 0.69% |
| Net interest margin | 3.04% |
| Noninterest income to earning assets | 0.94% |
| Noninterest expense to earning assets | 2.79% |
| Net operating income to assets | 0.91% |
| Return on assets (ROA) | 0.91% |
| Pretax return on assets | 0.91% |
| Return on equity (ROE) | 10.78% |
| Retained earnings to average equity (YTD only) | 10.78% |
| Net charge-offs to loans | 0.35% |
| Credit loss provision to net charge-offs | 117.65% |
| Efficiency ratio | 7.78% |
| Assets per employee | $70,015 |
| Cash dividends to net income (YTD only) | 5.40% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 2.26% |
| Noncurrent assets plus other real estate owned to assets | 61.29% |
| Noncurrent loans to loans | 2.12% |
| Net loans and leases to deposits | 3.68% |
| Net loans and leases to core deposits | 42.98% |
| Equity capital to assets | 44.22% |
| Core capital (leverage) ratio | 8.81% |
| Tier 1 risk-based capital ratio | 7.75% |
| Total risk-based capital ratio | 14.68% |
| Memoranda | |
| Average assets | $16 |
| Average earning assets | $36,988 |
| Average equity | $3,128 |
| Average loans | $33,244 |
| 1 Oklahoma Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 2698 | The First National Bank Of Lindsay | 101 South Main Street, Lindsay, OK 73052 | April 02, 1902 | Full Service Brick and Mortar |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.