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

This bank is inactive as of December 31, 2008

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

  • General
  • FDIC Certificate #: 417
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Bank & Trust Company (#4219)
    Federal Reserve ID: 882354
    Date Established: January 01, 1913
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 52598
    FDIC's unique #: 322
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 31, 2008
    Last Structure Change Process Date: Febuary 04, 2009
    Last Data Update: Febuary 04, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 110 West Ketchum Avenue, Ketchum, OK 74349
    County: Craig
    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
  • Financial Summary
  • Total assets: $24.3 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, 2007)

  • Dollar figures in thousands
  • 16Total employees (full-time equivalent)
  • $26,338Total assets
  • $707Cash and due from depository institutions
  • $3Interest-bearing balances
  • $2,829Securities
  • $4,958Federal funds sold & reverse repurchase agreements
  • $15,652Net loans & leases
  • $299Loan loss allowance
  • $0Trading account assets
  • $1,200Bank premises and fixed assets
  • $83Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $909All other assets
  • $26,338Total liabilities and capital
  • $24,279Total liabilities
  • $24,239Total deposits
  • $20,081Interest-bearing deposits
  • $24,239Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $40All other liabilities
  • $2,059Total equity capital
  • $2,059Total bank equity capital
  • $2,059Perpetual preferred stock
  • $0Common stock
  • $125Surplus
  • $475Undivided profits
  • Memoranda
  • $1,459Noncurrent loans and leases
  • $702Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $203Earning assets
  • $0Long-term assets (5+ years)
  • $195Average Assets, year-to-date
  • $23,442Average Assets, quarterly
  • $1,381Volatile liabilities
  • $26,138Insider loans
  • $26,067FHLB advances
  • $6,522Loans and leases held for sale
  • $435Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $702Total unused commitments
  • $0Restructured Loans and leases
  • $229Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $2,061Total interest income
  • $803Total interest expense
  • $1,258Net interest income
  • $115Provision for loan and lease losses
  • -$43Total noninterest income
  • $0Fiduciary activities
  • $134Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$177Additional noninterest income
  • $1,234Total noninterest expense
  • $556Salaries and employee benefits
  • $171Premises and equipment expense
  • $507Additional noninterest expense
  • -$134Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$134Income before extraordinary items
  • $0Extraordinary gains - net
  • -$134Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $382Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.93%Yield on earning assets
  • 3.48%Cost of funding earning assets
  • 5.45%Net interest margin
  • -0.19%Noninterest income to earning assets
  • 5.35%Noninterest expense to earning assets
  • -0.51%Net operating income to assets
  • -0.51%Return on assets (ROA)
  • -0.51%Pretax return on assets
  • -6.41%Return on equity (ROE)
  • -6.41%Retained earnings to average equity (YTD only)
  • 2.29%Net charge-offs to loans
  • 30.10%Credit loss provision to net charge-offs
  • -0.05%Efficiency ratio
  • 101,564Assets per employee
  • 1.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.87%Loss allowance to noncurrent loans
  • 147.29%Noncurrent assets plus other real estate owned to assets
  • 1.09%Noncurrent loans to loans
  • 1.27%Net loans and leases to deposits
  • 64.57%Net loans and leases to core deposits
  • 88.34%Equity capital to assets
  • 7.82%Core capital (leverage) ratio
  • 7.82%Tier 1 risk-based capital ratio
  • 11.21%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $26,138Average earning assets
  • $2,090Average equity
  • $23,074Average loans

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