The First State Bank in Oklahoma City, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The First State Bank in Oklahoma City, Oklahoma (OK)
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The First State Bank - Overview

  • General
  • FDIC Certificate #: 17884
    Status: Active
    Federal Reserve ID: 997052
    Bank Holding Company (Regulatory Top Holder): Fsb Investments, Llc (RSSDID: 3832912, Location: Oklahoma City, OK)
    Date Established: August 12, 1902
    WWW: http://www.thefirstsb.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 11823
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 02, 1958
    Last Structure Change Effective Date: January 19, 2012
    Last Structure Change Process Date: January 19, 2012
    Last Data Update: January 19, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 3030 Nw Expressway Suite 1, Oklahoma City, OK 73112
    County: Oklahoma
    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
    Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880)
    Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
    Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
    CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
  • Financial Summary
  • Total assets: $105.3 mil
    Equity capital: $10.9 mil
    Deposits held in domestic offices: $92.2 mil
    Return on assets (ROA): 0.92% ($1.0 mil)
    Quarterly return on assets: 1.00% ($1.1 mil)
    Return on Equity (ROE): 9.17% ($1.0 mil)
    Quarterly return on equity: 9.83% ($1.1 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.85% ($894.8 mil)
    Quarterly Pretax return on assets: 1.33% ($1,400.0 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
  • 29Total employees (full-time equivalent)
  • $105,266Total assets
  • $1,094Cash and due from depository institutions
  • $0Interest-bearing balances
  • $5,337Securities
  • $2,497Federal funds sold & reverse repurchase agreements
  • $89,971Net loans & leases
  • $988Loan loss allowance
  • $0Trading account assets
  • $3,355Bank premises and fixed assets
  • $155Other real estate owned
  • $1,390Goodwill and other intangibles
  • $105,266Life insurance assets
  • $1,467All other assets
  • $94,353Total liabilities and capital
  • $92,167Total liabilities
  • $77,851Total deposits
  • $92,167Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $186Subordinated debt
  • $10,913All other liabilities
  • $10,913Total equity capital
  • $10,913Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $11,309Surplus
  • $-496Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $37Income earned, not collected on loans
  • $0Earning assets
  • $335Long-term assets (5+ years)
  • $97,805Average Assets, year-to-date
  • $9,733Average Assets, quarterly
  • $99,105Volatile liabilities
  • $103,700Insider loans
  • $92,522FHLB advances
  • $100,297Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,420Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,567Restructured Loans and leases
  • $3,707Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,082Total interest income
  • $963Total interest expense
  • $4,119Net interest income
  • $118Provision for loan and lease losses
  • $905Total noninterest income
  • $0Fiduciary activities
  • $85Service charges on deposit accounts
  • $0Trading account gains & fees
  • $820Additional noninterest income
  • $4,063Total noninterest expense
  • $2,155Salaries and employee benefits
  • $565Premises and equipment expense
  • $1,343Additional noninterest expense
  • $843Pre-tax net operating income
  • $0Securities gains (losses)
  • -$73Applicable income taxes
  • $916Income before extraordinary items
  • $0Extraordinary gains - net
  • $916Net income attributable to bank
  • $0Net charge-offs
  • $916Cash dividends
  • -$1Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.59%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 4.53%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 4.47%Noninterest expense to earning assets
  • 0.92%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 0.85%Pretax return on assets
  • 9.17%Return on equity (ROE)
  • 9.17%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • -11800.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 80,334Assets per employee
  • 3.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 2670.27%Noncurrent assets plus other real estate owned to assets
  • 0.18%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 97.62%Net loans and leases to core deposits
  • 103.22%Equity capital to assets
  • 10.37%Core capital (leverage) ratio
  • 9.39%Tier 1 risk-based capital ratio
  • 10.18%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $99,105Average earning assets
  • $9,991Average equity
  • $90,840Average loans

List of branches

  • 3 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011823The First State Bank3030 Nw Expressway Suite 1, Oklahoma City, OK 73112August 12, 1902Full Service Brick and Mortar
    1470581South Douglas Boulevard Branch2600 South Douglas Boulevard, Midwest City, OK 73130December 17, 2007Full Service Brick and Mortar
    2514311Nw Okc Branch3030 Nw Expressway, Suite 130, Oklahoma City, OK 73112September 23, 2010Full Service Brick and Mortar

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