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

The First State Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 12Total employees (full-time equivalent)
  • $34,723Total assets
  • $3,497Cash and due from depository institutions
  • $3,097Interest-bearing balances
  • $26Securities
  • $3,675Federal funds sold & reverse repurchase agreements
  • $25,804Net loans & leases
  • $1,799Loan loss allowance
  • $0Trading account assets
  • $254Bank premises and fixed assets
  • $587Other real estate owned
  • $0Goodwill and other intangibles
  • $34,723Life insurance assets
  • $880All other assets
  • $32,935Total liabilities and capital
  • $32,848Total liabilities
  • $30,023Total deposits
  • $32,848Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $87Subordinated debt
  • $1,788All other liabilities
  • $1,788Total equity capital
  • $1,788Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $1,438Surplus
  • $200Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,193Income earned, not collected on loans
  • $0Earning assets
  • $376Long-term assets (5+ years)
  • $32,602Average Assets, year-to-date
  • $10,070Average Assets, quarterly
  • $41,658Volatile liabilities
  • $36,807Insider loans
  • $23,383FHLB advances
  • $36,903Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,787Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $945Restructured Loans and leases
  • $409Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,205Total interest income
  • $568Total interest expense
  • $1,637Net interest income
  • $3,006Provision for loan and lease losses
  • $107Total noninterest income
  • $0Fiduciary activities
  • $73Service charges on deposit accounts
  • $0Trading account gains & fees
  • $34Additional noninterest income
  • $1,073Total noninterest expense
  • $545Salaries and employee benefits
  • $105Premises and equipment expense
  • $423Additional noninterest expense
  • -$2,335Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$2,335Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,335Net income attributable to bank
  • $0Net charge-offs
  • -$2,335Cash dividends
  • $1,864Sale, conversion, retirement of capital stock, net
  • $125Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.59%Yield on earning assets
  • 1.44%Cost of funding earning assets
  • 4.15%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 2.72%Noninterest expense to earning assets
  • -5.61%Net operating income to assets
  • -5.61%Return on assets (ROA)
  • -5.61%Pretax return on assets
  • -72.78%Return on equity (ROE)
  • -76.68%Retained earnings to average equity (YTD only)
  • 5.82%Net charge-offs to loans
  • 161.27%Credit loss provision to net charge-offs
  • 0.36%Efficiency ratio
  • 61,525Assets per employee
  • 2.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -5.35%Loss allowance to loans
  • 6.52%Loss allowance to noncurrent loans
  • 82.03%Noncurrent assets plus other real estate owned to assets
  • 8.01%Noncurrent loans to loans
  • 7.94%Net loans and leases to deposits
  • 78.56%Net loans and leases to core deposits
  • 79.18%Equity capital to assets
  • 5.15%Core capital (leverage) ratio
  • 4.84%Tier 1 risk-based capital ratio
  • 7.64%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $41,658Average earning assets
  • $3,208Average equity
  • $39,413Average loans

List of branches

  • 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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