The First National Bank of Seiling in Seiling, Oklahoma (OK)



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The First National Bank of Seiling routing number info

Table of contents:
The First National Bank of Seiling
GeneralFDIC Certificate #: 4193
Status: Active
Federal Reserve ID: 313157
Date Established: January 01, 1901
WWW: http://www.fnbseiling.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 #: 2746
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: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
LocationAddress: 301 North Main Street, Seiling, OK 73663
County: Dewey
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 ChangesChange in Location
Financial SummaryTotal assets: $81.2 mil
Equity capital: $9.7 mil
Deposits held in domestic offices: $68.8 mil
Return on assets (ROA): 0.79% ($0.6 mil)
Quarterly return on assets: 0.82% ($0.7 mil)
Return on Equity (ROE): 6.25% ($0.6 mil)
Quarterly return on equity: 6.79% ($0.7 mil)
Net income: $0.6 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.79% ($641.2 mil)
Quarterly Pretax return on assets: 0.82% ($665.5 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)
Total employees (full-time equivalent)15
Total assets$81,161
Cash and due from depository institutions$3,958
Interest-bearing balances$1,485
Securities$34,630
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$38,354
Loan loss allowance $500
Trading account assets$0
Bank premises and fixed assets$2,494
Other real estate owned$72
Goodwill and other intangibles$0
All other assets$1,653
Life insurance assets$81,161
Total liabilities and capital$71,496
Total liabilities$68,835
Total deposits$62,685
Interest-bearing deposits$68,835
Deposits held in domestic offices$75
% insured (estimated)369.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,000
Other borrowed funds $0
Subordinated debt $292
All other liabilities $9,665
Total equity capital$9,665
Total bank equity capital$9,665
Perpetual preferred stock$0
Common stock$100
Surplus$200
Undivided profits $9,365
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 $93
Earning assets $0
Long-term assets (5+ years) $639
Average Assets, year-to-date $74,469
Average Assets, quarterly $23,404
Volatile liabilities $75,969
Insider loans $80,985
FHLB advances $50,397
Loans and leases held for sale $80,174
Unused loan commitments $130
Tier 1 (core) risk-based capital $130
Tier 2 risk-based capital $8,600
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,154
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,055
Total interest expense $481
Net interest income $2,574
Provision for loan and lease losses $0
Total noninterest income $223
Fiduciary activities $0
Service charges on deposit accounts $155
Trading account gains & fees $0
Additional noninterest income $68
Total noninterest expense $2,199
Salaries and employee benefits $1,340
Premises and equipment expense $303
Additional noninterest expense $556
Pre-tax net operating income $598
Securities gains (losses) -$1
Applicable income taxes $0
Income before extraordinary items $597
Extraordinary gains - net $0
Net income attributable to bank $597
Net charge-offs $0
Cash dividends $597
Sale, conversion, retirement of capital stock, net $13
Net operating income $497
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.40%
Cost of funding earning assets 0.69%
Net interest margin 3.71%
Noninterest income to earning assets 0.32%
Noninterest expense to earning assets 3.17%
Net operating income to assets 0.79%
Return on assets (ROA) 0.79%
Pretax return on assets 0.79%
Return on equity (ROE) 6.25%
Retained earnings to average equity (YTD only) 1.05%
Net charge-offs to loans 0.04%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio46.00%
Assets per employee$78,620
Cash dividends to net income (YTD only)5.41%
Condition Ratios (%)
Loss allowance to loans 83.25%
Loss allowance to noncurrent loans 1.29%
Noncurrent assets plus other real estate owned to assets 537.63%
Noncurrent loans to loans 0.20%
Net loans and leases to deposits0.24%
Net loans and leases to core deposits 55.72%
Equity capital to assets 71.31%
Core capital (leverage) ratio 11.91%
Tier 1 risk-based capital ratio 10.73%
Total risk-based capital ratio 17.06%
Memoranda
Average assets$18
Average earning assets$75,969
Average equity $9,545
Average loans $69,354
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1 Oklahoma Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02746The First National Bank Of Seiling301 North Main Street, Seiling, OK 73663January 01, 1901Full Service Brick and Mortar
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