The Guarantee State Bank in Lawton, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 29, 2006

  • The Guarantee State Bank in Lawton, Oklahoma (OK)
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The Guarantee State Bank - Overview

  • General
  • FDIC Certificate #: 9470
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First National Bank and Trust Company (#25738)
    Federal Reserve ID: 895158
    Date Established: January 01, 1915
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Interstate: No)
    FDIC's unique #: 6086
    Numeric code: 13
    Regulator: FED
    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: July 29, 2006
    Last Structure Change Process Date: September 12, 2006
    Last Data Update: September 12, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 6702 Quanah Parker Trailway, Lawton, OK 73506
    County: Comanche
    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
    Metropolitan Statistical Area (MSA): Lawton, OK (#4200)
    Core Based Statistical Area (CBSA): Lawton, OK (#30020)
    CBSA Metro Statistical Area: Lawton, OK (#30020)
  • Financial Summary
  • Total assets: $54.1 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, 2005)

  • Dollar figures in thousands
  • 34Total employees (full-time equivalent)
  • $51,982Total assets
  • $1,392Cash and due from depository institutions
  • $130Interest-bearing balances
  • $3,026Securities
  • $2,363Federal funds sold & reverse repurchase agreements
  • $39,760Net loans & leases
  • $244Loan loss allowance
  • $0Trading account assets
  • $3,208Bank premises and fixed assets
  • $155Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,078All other assets
  • $51,982Total liabilities and capital
  • $47,189Total liabilities
  • $43,103Total deposits
  • $35,581Interest-bearing deposits
  • $43,103Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $3,750Other borrowed funds
  • $0Subordinated debt
  • $336All other liabilities
  • $4,793Total equity capital
  • $4,793Total bank equity capital
  • $4,793Perpetual preferred stock
  • $0Common stock
  • $300Surplus
  • $3,500Undivided profits
  • Memoranda
  • $993Noncurrent loans and leases
  • $3,119Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $168Earning assets
  • $0Long-term assets (5+ years)
  • $396Average Assets, year-to-date
  • $45,279Average Assets, quarterly
  • $8,048Volatile liabilities
  • $53,665Insider loans
  • $52,118FHLB advances
  • $9,418Loans and leases held for sale
  • $573Unused loan commitments
  • $3,750Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,119Total unused commitments
  • $0Restructured Loans and leases
  • $244Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $3,900Total interest income
  • $996Total interest expense
  • $2,904Net interest income
  • $60Provision for loan and lease losses
  • $633Total noninterest income
  • $0Fiduciary activities
  • $424Service charges on deposit accounts
  • $0Trading account gains & fees
  • $209Additional noninterest income
  • $2,895Total noninterest expense
  • $1,523Salaries and employee benefits
  • $508Premises and equipment expense
  • $864Additional noninterest expense
  • $582Pre-tax net operating income
  • $0Securities gains (losses)
  • $175Applicable income taxes
  • $407Income before extraordinary items
  • $0Extraordinary gains - net
  • $407Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $56Sale, conversion, retirement of capital stock, net
  • $180Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.43%Yield on earning assets
  • 2.15%Cost of funding earning assets
  • 6.28%Net interest margin
  • 1.37%Noninterest income to earning assets
  • 6.26%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 8.64%Return on equity (ROE)
  • 4.82%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 107.14%Credit loss provision to net charge-offs
  • 11.46%Efficiency ratio
  • 81,849Assets per employee
  • 1.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.23%Loss allowance to loans
  • 0.61%Loss allowance to noncurrent loans
  • 145.24%Noncurrent assets plus other real estate owned to assets
  • 0.62%Noncurrent loans to loans
  • 0.42%Net loans and leases to deposits
  • 92.24%Net loans and leases to core deposits
  • 114.63%Equity capital to assets
  • 9.22%Core capital (leverage) ratio
  • 9.27%Tier 1 risk-based capital ratio
  • 11.86%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $53,665Average earning assets
  • $4,710Average equity
  • $46,258Average loans

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