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

The First National Bank of Seiling - Overview

  • General
  • FDIC Certificate #: 4193
    Status: Active
    Federal Reserve ID: 313157
    Date Established: January 01, 1901
    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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 15Total employees (full-time equivalent)
  • $81,161Total assets
  • $3,958Cash and due from depository institutions
  • $1,485Interest-bearing balances
  • $34,630Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $38,354Net loans & leases
  • $500Loan loss allowance
  • $0Trading account assets
  • $2,494Bank premises and fixed assets
  • $72Other real estate owned
  • $0Goodwill and other intangibles
  • $81,161Life insurance assets
  • $1,653All other assets
  • $71,496Total liabilities and capital
  • $68,835Total liabilities
  • $62,685Total deposits
  • $68,835Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 369.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $292Subordinated debt
  • $9,665All other liabilities
  • $9,665Total equity capital
  • $9,665Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $200Surplus
  • $9,365Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $93Income earned, not collected on loans
  • $0Earning assets
  • $639Long-term assets (5+ years)
  • $74,469Average Assets, year-to-date
  • $23,404Average Assets, quarterly
  • $75,969Volatile liabilities
  • $80,985Insider loans
  • $50,397FHLB advances
  • $80,174Loans and leases held for sale
  • $130Unused loan commitments
  • $130Tier 1 (core) risk-based capital
  • $8,600Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,154Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,055Total interest income
  • $481Total interest expense
  • $2,574Net interest income
  • $0Provision for loan and lease losses
  • $223Total noninterest income
  • $0Fiduciary activities
  • $155Service charges on deposit accounts
  • $0Trading account gains & fees
  • $68Additional noninterest income
  • $2,199Total noninterest expense
  • $1,340Salaries and employee benefits
  • $303Premises and equipment expense
  • $556Additional noninterest expense
  • $598Pre-tax net operating income
  • -$1Securities gains (losses)
  • $0Applicable income taxes
  • $597Income before extraordinary items
  • $0Extraordinary gains - net
  • $597Net income attributable to bank
  • $0Net charge-offs
  • $597Cash dividends
  • $13Sale, conversion, retirement of capital stock, net
  • $497Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.40%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 3.71%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 3.17%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 0.79%Pretax return on assets
  • 6.25%Return on equity (ROE)
  • 1.05%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 46.00%Efficiency ratio
  • 78,620Assets per employee
  • 5.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.25%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 537.63%Noncurrent assets plus other real estate owned to assets
  • 0.20%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 55.72%Net loans and leases to core deposits
  • 71.31%Equity capital to assets
  • 11.91%Core capital (leverage) ratio
  • 10.73%Tier 1 risk-based capital ratio
  • 17.06%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $75,969Average earning assets
  • $9,545Average equity
  • $69,354Average loans

List of branches

  • 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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