The First State Bank of Pond Creek, Oklahoma in Pond Creek, Oklahoma (OK)



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The First State Bank of Pond Creek, Oklahoma routing number info

Table of contents:
The First State Bank of Pond Creek, Oklahoma
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)13
Total assets$46,371
Cash and due from depository institutions$4,814
Interest-bearing balances$3,477
Securities$7,824
Federal funds sold & reverse repurchase agreements$7,350
Net loans & leases$25,520
Loan loss allowance $625
Trading account assets$0
Bank premises and fixed assets$317
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$546
Life insurance assets$46,371
Total liabilities and capital$42,505
Total liabilities$42,467
Total deposits$34,345
Interest-bearing deposits$42,467
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $38
All other liabilities $3,866
Total equity capital$3,866
Total bank equity capital$3,866
Perpetual preferred stock$0
Common stock$400
Surplus$600
Undivided profits $2,866
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 $285
Earning assets $0
Long-term assets (5+ years) $321
Average Assets, year-to-date $44,171
Average Assets, quarterly $1,074
Volatile liabilities $43,950
Insider loans $46,319
FHLB advances $25,494
Loans and leases held for sale $46,863
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $3,688
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,547
Derivatives$575
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,971
Total interest expense $467
Net interest income $1,504
Provision for loan and lease losses $20
Total noninterest income $402
Fiduciary activities $0
Service charges on deposit accounts $358
Trading account gains & fees $0
Additional noninterest income $44
Total noninterest expense $1,425
Salaries and employee benefits $813
Premises and equipment expense $191
Additional noninterest expense $421
Pre-tax net operating income $461
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $461
Extraordinary gains - net $0
Net income attributable to bank $461
Net charge-offs $0
Cash dividends $461
Sale, conversion, retirement of capital stock, net -$2
Net operating income $175
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.72%
Cost of funding earning assets 1.12%
Net interest margin 3.60%
Noninterest income to earning assets 0.96%
Noninterest expense to earning assets 3.41%
Net operating income to assets 1.05%
Return on assets (ROA) 1.05%
Pretax return on assets 1.05%
Return on equity (ROE) 12.83%
Retained earnings to average equity (YTD only) 7.96%
Net charge-offs to loans -0.01%
Credit loss provision to net charge-offs -1000.00%
Efficiency ratio0.00%
Assets per employee$74,764
Cash dividends to net income (YTD only)3.57%
Condition Ratios (%)
Loss allowance to loans 37.96%
Loss allowance to noncurrent loans 2.39%
Noncurrent assets plus other real estate owned to assets 219.30%
Noncurrent loans to loans 0.61%
Net loans and leases to deposits1.09%
Net loans and leases to core deposits 60.09%
Equity capital to assets 60.45%
Core capital (leverage) ratio 8.34%
Tier 1 risk-based capital ratio 7.87%
Total risk-based capital ratio 14.47%
Memoranda
Average assets$16
Average earning assets$43,950
Average equity $3,592
Average loans $41,795
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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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