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

The First State Bank of Pond Creek, Oklahoma - Overview

  • General
  • FDIC Certificate #: 11527
    Status: Active
    Federal Reserve ID: 644057
    Date Established: September 16, 1893
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 7367
    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: Yes
    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: Second And Broadway Streets, Pond Creek, OK 73766
    County: Grant
    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: $46.4 mil
    Equity capital: $3.9 mil
    Deposits held in domestic offices: $42.5 mil
    Return on assets (ROA): 1.05% ($0.5 mil)
    Quarterly return on assets: 0.85% ($0.4 mil)
    Return on Equity (ROE): 12.83% ($0.5 mil)
    Quarterly return on equity: 10.38% ($0.4 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.05% ($486.9 mil)
    Quarterly Pretax return on assets: 0.85% ($394.2 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
  • 13Total employees (full-time equivalent)
  • $46,371Total assets
  • $4,814Cash and due from depository institutions
  • $3,477Interest-bearing balances
  • $7,824Securities
  • $7,350Federal funds sold & reverse repurchase agreements
  • $25,520Net loans & leases
  • $625Loan loss allowance
  • $0Trading account assets
  • $317Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $46,371Life insurance assets
  • $546All other assets
  • $42,505Total liabilities and capital
  • $42,467Total liabilities
  • $34,345Total deposits
  • $42,467Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $38Subordinated debt
  • $3,866All other liabilities
  • $3,866Total equity capital
  • $3,866Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $600Surplus
  • $2,866Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $285Income earned, not collected on loans
  • $0Earning assets
  • $321Long-term assets (5+ years)
  • $44,171Average Assets, year-to-date
  • $1,074Average Assets, quarterly
  • $43,950Volatile liabilities
  • $46,319Insider loans
  • $25,494FHLB advances
  • $46,863Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,688Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,547Restructured Loans and leases
  • $575Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,971Total interest income
  • $467Total interest expense
  • $1,504Net interest income
  • $20Provision for loan and lease losses
  • $402Total noninterest income
  • $0Fiduciary activities
  • $358Service charges on deposit accounts
  • $0Trading account gains & fees
  • $44Additional noninterest income
  • $1,425Total noninterest expense
  • $813Salaries and employee benefits
  • $191Premises and equipment expense
  • $421Additional noninterest expense
  • $461Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $461Income before extraordinary items
  • $0Extraordinary gains - net
  • $461Net income attributable to bank
  • $0Net charge-offs
  • $461Cash dividends
  • -$2Sale, conversion, retirement of capital stock, net
  • $175Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.72%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 3.60%Net interest margin
  • 0.96%Noninterest income to earning assets
  • 3.41%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 12.83%Return on equity (ROE)
  • 7.96%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -1000.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 74,764Assets per employee
  • 3.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.96%Loss allowance to loans
  • 2.39%Loss allowance to noncurrent loans
  • 219.30%Noncurrent assets plus other real estate owned to assets
  • 0.61%Noncurrent loans to loans
  • 1.09%Net loans and leases to deposits
  • 60.09%Net loans and leases to core deposits
  • 60.45%Equity capital to assets
  • 8.34%Core capital (leverage) ratio
  • 7.87%Tier 1 risk-based capital ratio
  • 14.47%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $43,950Average earning assets
  • $3,592Average equity
  • $41,795Average loans

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07367The First State Bank Of Pond Creek, OklahomaSecond And Broadway Streets, Pond Creek, OK 73766September 16, 1893Full Service Brick and Mortar
    1363033Enid Branch2112 W. Willow, Enid, OK 73703April 24, 2000Full Service Brick and Mortar

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