The First State Bank in Boise City, Oklahoma (OK)
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| The First State Bank | |
|---|---|
| General | FDIC Certificate #: 2301 Status: Active Federal Reserve ID: 141350 Date Established: August 06, 1915 WWW: http://www.fsbboisecity.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 53275 FDIC's unique #: 1521 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: May 28, 2010 Last Structure Change Process Date: May 28, 2010 Last Data Update: May 28, 2010 Data Source Date: April 05, 2012 |
| Location | Address: 20 Nw Square, Boise City, OK 73933 County: Cimarron 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: $54.2 mil Equity capital: $4.2 mil Deposits held in domestic offices: $48.5 mil Return on assets (ROA): 0.50% ($0.3 mil) Quarterly return on assets: 0.33% ($0.2 mil) Return on Equity (ROE): 6.11% ($0.2 mil) Quarterly return on equity: 4.08% ($0.2 mil) Net income: $0.3 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.43% ($775.7 mil) Quarterly Pretax return on assets: 1.27% ($688.9 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 12 |
| Total assets | $54,247 |
| Cash and due from depository institutions | $909 |
| Interest-bearing balances | $4 |
| Securities | $12,677 |
| Federal funds sold & reverse repurchase agreements | $2,680 |
| Net loans & leases | $35,907 |
| Loan loss allowance | $325 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $272 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $1,802 |
| Life insurance assets | $54,247 |
| Total liabilities and capital | $50,008 |
| Total liabilities | $48,531 |
| Total deposits | $31,135 |
| Interest-bearing deposits | $48,531 |
| Deposits held in domestic offices | $88 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $1,477 |
| All other liabilities | $4,239 |
| Total equity capital | $4,239 |
| Total bank equity capital | $4,239 |
| Perpetual preferred stock | $0 |
| Common stock | $300 |
| Surplus | $400 |
| Undivided profits | $3,539 |
| 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 | $61 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $729 |
| Average Assets, year-to-date | $51,268 |
| Average Assets, quarterly | $13,156 |
| Volatile liabilities | $53,405 |
| Insider loans | $53,388 |
| FHLB advances | $39,352 |
| Loans and leases held for sale | $53,382 |
| Unused loan commitments | $418 |
| Tier 1 (core) risk-based capital | $418 |
| Tier 2 risk-based capital | $4,852 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $21 |
| Derivatives | $2,435 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $2,569 |
| Total interest expense | $376 |
| Net interest income | $2,193 |
| Provision for loan and lease losses | $50 |
| Total noninterest income | $298 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $208 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $90 |
| Total noninterest expense | $1,676 |
| Salaries and employee benefits | $1,000 |
| Premises and equipment expense | $197 |
| Additional noninterest expense | $479 |
| Pre-tax net operating income | $765 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $500 |
| Income before extraordinary items | $265 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $265 |
| Net charge-offs | $0 |
| Cash dividends | $265 |
| Sale, conversion, retirement of capital stock, net | $25 |
| Net operating income | $150 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.12% |
| Cost of funding earning assets | 0.75% |
| Net interest margin | 4.37% |
| Noninterest income to earning assets | 0.59% |
| Noninterest expense to earning assets | 3.34% |
| Net operating income to assets | 0.50% |
| Return on assets (ROA) | 0.50% |
| Pretax return on assets | 1.43% |
| Return on equity (ROE) | 6.11% |
| Retained earnings to average equity (YTD only) | 2.65% |
| Net charge-offs to loans | 0.07% |
| Credit loss provision to net charge-offs | 200.00% |
| Efficiency ratio | 32.60% |
| Assets per employee | $67,282 |
| Cash dividends to net income (YTD only) | 4.52% |
| Condition Ratios (%) | |
| Loss allowance to loans | 56.60% |
| Loss allowance to noncurrent loans | 0.90% |
| Noncurrent assets plus other real estate owned to assets | 532.79% |
| Noncurrent loans to loans | 0.11% |
| Net loans and leases to deposits | 0.17% |
| Net loans and leases to core deposits | 73.99% |
| Equity capital to assets | 83.96% |
| Core capital (leverage) ratio | 7.81% |
| Tier 1 risk-based capital ratio | 9.09% |
| Total risk-based capital ratio | 12.33% |
| Memoranda | |
| Average assets | $13 |
| Average earning assets | $53,405 |
| Average equity | $4,339 |
| Average loans | $50,219 |
| 1 Oklahoma Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 1521 | The First State Bank | 20 Nw Square, Boise City, OK 73933 | August 06, 1915 | Full Service Brick and Mortar |  |
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Based on public records. Inadvertent errors are possible.
BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.