The Hopeton State Bank in Hopeton, Oklahoma (OK)



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The Hopeton State Bank routing number info

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The Hopeton State Bank
GeneralFDIC Certificate #: 12585
Status: Active
Federal Reserve ID: 877958
Bank Holding Company (Regulatory Top Holder): Hopeton Bancshares, Inc. (RSSDID: 1992661, Location: Hopeton, OK)
Date Established: January 01, 1919
WWW: http://www.hopetonbank.com
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 #: 7993
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
LocationAddress: U.S. Highway 281, Hopeton, OK 73746
County: Woods
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: $24.3 mil
Equity capital: $5.2 mil
Deposits held in domestic offices: $18.9 mil
Return on assets (ROA): 0.97% ($0.2 mil)
Quarterly return on assets: 0.87% ($0.2 mil)
Return on Equity (ROE): 4.73% ($0.2 mil)
Quarterly return on equity: 4.07% ($0.2 mil)
Net income: $0.2 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.27% ($65.6 mil)
Quarterly Pretax return on assets: 0.15% ($36.5 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)6
Total assets$24,307
Cash and due from depository institutions$447
Interest-bearing balances$3
Securities$17,537
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$5,570
Loan loss allowance $113
Trading account assets$0
Bank premises and fixed assets$306
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$447
Life insurance assets$24,307
Total liabilities and capital$19,140
Total liabilities$18,901
Total deposits$15,344
Interest-bearing deposits$18,901
Deposits held in domestic offices$100
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $239
All other liabilities $5,167
Total equity capital$5,167
Total bank equity capital$5,167
Perpetual preferred stock$0
Common stock$100
Surplus$900
Undivided profits $4,167
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 $185
Earning assets $0
Long-term assets (5+ years) $267
Average Assets, year-to-date $23,110
Average Assets, quarterly $12,392
Volatile liabilities $23,268
Insider loans $24,017
FHLB advances $8,629
Loans and leases held for sale $23,629
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,726
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $526
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $897
Total interest expense $129
Net interest income $768
Provision for loan and lease losses $0
Total noninterest income $79
Fiduciary activities $0
Service charges on deposit accounts $57
Trading account gains & fees $0
Additional noninterest income $22
Total noninterest expense $794
Salaries and employee benefits $355
Premises and equipment expense $66
Additional noninterest expense $373
Pre-tax net operating income $53
Securities gains (losses) $10
Applicable income taxes -$163
Income before extraordinary items $226
Extraordinary gains - net $0
Net income attributable to bank $226
Net charge-offs $0
Cash dividends $226
Sale, conversion, retirement of capital stock, net -$34
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.05%
Cost of funding earning assets 0.58%
Net interest margin 3.46%
Noninterest income to earning assets 0.36%
Noninterest expense to earning assets 3.58%
Net operating income to assets 0.93%
Return on assets (ROA) 0.97%
Pretax return on assets 0.27%
Return on equity (ROE) 4.73%
Retained earnings to average equity (YTD only) 4.73%
Net charge-offs to loans -0.64%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$93,743
Cash dividends to net income (YTD only)4.05%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.99%
Noncurrent assets plus other real estate owned to assets 61.08%
Noncurrent loans to loans 0.76%
Net loans and leases to deposits3.26%
Net loans and leases to core deposits 29.47%
Equity capital to assets 30.28%
Core capital (leverage) ratio 21.26%
Tier 1 risk-based capital ratio 20.00%
Total risk-based capital ratio 54.77%
Memoranda
Average assets$56
Average earning assets$23,268
Average equity $4,776
Average loans $22,166
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1 Oklahoma Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07993The Hopeton State BankU.S. Highway 281, Hopeton, OK 73746January 01, 1919Full Service Brick and Mortar
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