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

This bank is inactive as of January 13, 1996

The First National Bank of Pauls Valley in Pauls Valley, Oklahoma (OK)
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The First National Bank of Pauls Valley - Overview

General
FDIC Certificate #: 4172
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First United Bank and Trust Company (#4119)
Federal Reserve ID: 698153
Date Established: October 01, 1893
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Interstate: No)
FDIC's unique #: 2730
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 13, 1996
Last Structure Change Process Date: Febuary 21, 1996
Last Data Update: Febuary 21, 1996
Data Source Date: April 05, 2012
Location
Address: 100 West Paul Avenue, Pauls Valley, OK 73075
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
Financial Summary
Total assets: $64.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$19Total assets
$64,549Cash and due from depository institutions
$1,967Interest-bearing balances
$0Securities
$46,622Federal funds sold & reverse repurchase agreements
$4,100Net loans & leases
$9,999Loan loss allowance
$108Trading account assets
$0Bank premises and fixed assets
$504Other real estate owned
$0Goodwill and other intangibles
$1,357Life insurance assets
$0All other assets
$0Total liabilities and capital
$64,549Total liabilities
$54,139Total deposits
$53,476Interest-bearing deposits
$49,811Deposits held in domestic offices
53476.00%% insured (estimated)
$89Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$662Total equity capital
$662Total bank equity capital
$10,410Perpetual preferred stock
$0Common stock
$400Surplus
$600Undivided profits
Memoranda
$9,410Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$68Income earned, not collected on loans
$132Earning assets
$60,721Long-term assets (5+ years)
$5,454Average Assets, year-to-date
$64,179Average Assets, quarterly
$63,913Volatile liabilities
$5,889Insider loans
$267FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$875Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$9,919Total risk weighted assets
$15,452Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$4,154Total interest expense
$2,239Net interest income
$1,915Provision for loan and lease losses
$28Total noninterest income
$168Fiduciary activities
$0Service charges on deposit accounts
$109Trading account gains & fees
$0Additional noninterest income
$59Total noninterest expense
$1,330Salaries and employee benefits
$806Premises and equipment expense
$238Additional noninterest expense
$286Pre-tax net operating income
$725Securities gains (losses)
-$24Applicable income taxes
$150Income before extraordinary items
$551Extraordinary gains - net
$0Net income attributable to bank
$551Net charge-offs
$18Cash dividends
$320Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.87%Cost of funding earning assets
3.70%Net interest margin
3.17%Noninterest income to earning assets
0.28%Noninterest expense to earning assets
2.20%Net operating income to assets
0.89%Return on assets (ROA)
0.86%Pretax return on assets
1.09%Return on equity (ROE)
5.66%Retained earnings to average equity (YTD only)
2.37%Net charge-offs to loans
0.19%Credit loss provision to net charge-offs
155.56%Efficiency ratio
63,850Assets per employee
3.40%Cash dividends to net income (YTD only)
Condition Ratios (%)
58.08%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
158.82%Noncurrent assets plus other real estate owned to assets
0.11%Noncurrent loans to loans
0.67%Net loans and leases to deposits
18.70%Net loans and leases to core deposits
21.01%Equity capital to assets
16.13%Core capital (leverage) ratio
15.60%Tier 1 risk-based capital ratio
64.19%Total risk-based capital ratio
Memoranda
$65Average assets
$64,179Average earning assets
$9,731Average equity
$60,451Average loans

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