The First State Bank in Ryan, Oklahoma (OK)



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The First State Bank
GeneralFDIC Certificate #: 399
Status: Active
Federal Reserve ID: 514356
Bank Holding Company (Regulatory Top Holder): Brewer Bancorp, Inc. (RSSDID: 1472136, Location: Ryan, OK)
Date Established: June 01, 1894
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 306
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: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 6th And Washington, Ryan, OK 73565
County: Jefferson
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $34.7 mil
Equity capital: $1.8 mil
Deposits held in domestic offices: $32.8 mil
Return on assets (ROA): -5.61% (-$2.0 mil)
Quarterly return on assets: 1.86% ($0.7 mil)
Return on Equity (ROE): -72.78% (-$1.5 mil)
Quarterly return on equity: 40.18% ($0.8 mil)
Net income: -$2.3 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: -5.61% (-$1,948.0 mil)
Quarterly Pretax return on assets: 1.86% ($645.8 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)12
Total assets$34,723
Cash and due from depository institutions$3,497
Interest-bearing balances$3,097
Securities$26
Federal funds sold & reverse repurchase agreements$3,675
Net loans & leases$25,804
Loan loss allowance $1,799
Trading account assets$0
Bank premises and fixed assets$254
Other real estate owned$587
Goodwill and other intangibles$0
All other assets$880
Life insurance assets$34,723
Total liabilities and capital$32,935
Total liabilities$32,848
Total deposits$30,023
Interest-bearing deposits$32,848
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $87
All other liabilities $1,788
Total equity capital$1,788
Total bank equity capital$1,788
Perpetual preferred stock$0
Common stock$150
Surplus$1,438
Undivided profits $200
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 $2,193
Earning assets $0
Long-term assets (5+ years) $376
Average Assets, year-to-date $32,602
Average Assets, quarterly $10,070
Volatile liabilities $41,658
Insider loans $36,807
FHLB advances $23,383
Loans and leases held for sale $36,903
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $1,787
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $945
Derivatives$409
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,205
Total interest expense $568
Net interest income $1,637
Provision for loan and lease losses $3,006
Total noninterest income $107
Fiduciary activities $0
Service charges on deposit accounts $73
Trading account gains & fees $0
Additional noninterest income $34
Total noninterest expense $1,073
Salaries and employee benefits $545
Premises and equipment expense $105
Additional noninterest expense $423
Pre-tax net operating income -$2,335
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items -$2,335
Extraordinary gains - net $0
Net income attributable to bank -$2,335
Net charge-offs $0
Cash dividends -$2,335
Sale, conversion, retirement of capital stock, net $1,864
Net operating income $125
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.59%
Cost of funding earning assets 1.44%
Net interest margin 4.15%
Noninterest income to earning assets 0.27%
Noninterest expense to earning assets 2.72%
Net operating income to assets -5.61%
Return on assets (ROA) -5.61%
Pretax return on assets -5.61%
Return on equity (ROE) -72.78%
Retained earnings to average equity (YTD only) -76.68%
Net charge-offs to loans 5.82%
Credit loss provision to net charge-offs 161.27%
Efficiency ratio0.36%
Assets per employee$61,525
Cash dividends to net income (YTD only)2.89%
Condition Ratios (%)
Loss allowance to loans -5.35%
Loss allowance to noncurrent loans 6.52%
Noncurrent assets plus other real estate owned to assets 82.03%
Noncurrent loans to loans 8.01%
Net loans and leases to deposits7.94%
Net loans and leases to core deposits 78.56%
Equity capital to assets 79.18%
Core capital (leverage) ratio 5.15%
Tier 1 risk-based capital ratio 4.84%
Total risk-based capital ratio 7.64%
Memoranda
Average assets$9
Average earning assets$41,658
Average equity $3,208
Average loans $39,413
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1 Oklahoma Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0306The First State Bank6th And Washington, Ryan, OK 73565June 01, 1894Full Service Brick and Mortar
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