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

This bank is inactive as of July 14, 2000

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

  • General
  • FDIC Certificate #: 2316
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Community State Bank (#20279)
    Federal Reserve ID: 860558
    Date Established: April 01, 1909
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 1533
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 14, 2000
    Last Structure Change Process Date: August 07, 2000
    Last Data Update: August 07, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Wister, OK 74966
    County: Le Flore
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Tulsa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Fort Smith, AR-OK (#22900)
    CBSA Metro Statistical Area: Fort Smith, AR-OK (#22900)
  • Financial Summary
  • Total assets: $8.8 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 5Total employees (full-time equivalent)
  • $8,361Total assets
  • $286Cash and due from depository institutions
  • $0Interest-bearing balances
  • $2,423Securities
  • $100Federal funds sold & reverse repurchase agreements
  • $4,617Net loans & leases
  • $48Loan loss allowance
  • $0Trading account assets
  • $90Bank premises and fixed assets
  • $0Other real estate owned
  • $760Goodwill and other intangibles
  • $0Life insurance assets
  • $85All other assets
  • $8,361Total liabilities and capital
  • $6,674Total liabilities
  • $6,622Total deposits
  • $4,955Interest-bearing deposits
  • $6,622Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $52All other liabilities
  • $1,687Total equity capital
  • $1,687Total bank equity capital
  • $1,687Perpetual preferred stock
  • $0Common stock
  • $125Surplus
  • $1,546Undivided profits
  • Memoranda
  • $16Noncurrent loans and leases
  • $111Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $22Earning assets
  • $0Long-term assets (5+ years)
  • $53Average Assets, year-to-date
  • $7,140Average Assets, quarterly
  • $811Volatile liabilities
  • $9,017Insider loans
  • $8,421FHLB advances
  • $200Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $111Total unused commitments
  • $0Restructured Loans and leases
  • $48Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $332Total interest income
  • $102Total interest expense
  • $230Net interest income
  • $17Provision for loan and lease losses
  • $30Total noninterest income
  • $0Fiduciary activities
  • $14Service charges on deposit accounts
  • $0Trading account gains & fees
  • $16Additional noninterest income
  • $195Total noninterest expense
  • $79Salaries and employee benefits
  • $35Premises and equipment expense
  • $81Additional noninterest expense
  • $48Pre-tax net operating income
  • $6Securities gains (losses)
  • $20Applicable income taxes
  • $34Income before extraordinary items
  • $0Extraordinary gains - net
  • $34Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $40Sale, conversion, retirement of capital stock, net
  • $1,100Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 1.31%Cost of funding earning assets
  • 2.95%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 2.50%Noninterest expense to earning assets
  • 0.33%Net operating income to assets
  • 0.38%Return on assets (ROA)
  • 0.60%Pretax return on assets
  • 1.69%Return on equity (ROE)
  • -53.05%Retained earnings to average equity (YTD only)
  • 1.00%Net charge-offs to loans
  • 42.50%Credit loss provision to net charge-offs
  • 1.63%Efficiency ratio
  • 65,000Assets per employee
  • 1.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 3235.29%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 218.18%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.47%Net loans and leases to deposits
  • 69.72%Net loans and leases to core deposits
  • 71.89%Equity capital to assets
  • 20.18%Core capital (leverage) ratio
  • 12.10%Tier 1 risk-based capital ratio
  • 20.29%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $9,017Average earning assets
  • $2,010Average equity
  • $7,786Average loans

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