The Payne County Bank in Perkins, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Payne County Bank - Overview

  • General
  • FDIC Certificate #: 12485
    Status: Active
    Federal Reserve ID: 455150
    Bank Holding Company (Regulatory Top Holder): Employee Stock Ownership Plan For Employees Of Payne County Bank (RSSDID: 2168977, Location: Perkins, OK)
    Date Established: January 08, 1898
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 52307
    FDIC's unique #: 7945
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 202 South Main Street, Perkins, OK 74059
    County: Payne
    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
    Core Based Statistical Area (CBSA): Stillwater, OK (#44660)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $124.7 mil
    Equity capital: $23.2 mil
    Deposits held in domestic offices: $101.2 mil
    Return on assets (ROA): 2.27% ($2.8 mil)
    Quarterly return on assets: 0.57% ($0.7 mil)
    Return on Equity (ROE): 12.68% ($2.9 mil)
    Quarterly return on equity: 3.06% ($0.7 mil)
    Net income: $2.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 2.27% ($2,831.1 mil)
    Quarterly Pretax return on assets: 0.57% ($710.9 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
  • 29Total employees (full-time equivalent)
  • $124,720Total assets
  • $5,541Cash and due from depository institutions
  • $1,530Interest-bearing balances
  • $39,029Securities
  • $3,198Federal funds sold & reverse repurchase agreements
  • $71,296Net loans & leases
  • $896Loan loss allowance
  • $0Trading account assets
  • $1,070Bank premises and fixed assets
  • $19Other real estate owned
  • $0Goodwill and other intangibles
  • $124,720Life insurance assets
  • $4,567All other assets
  • $101,525Total liabilities and capital
  • $101,200Total liabilities
  • $83,214Total deposits
  • $101,200Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $325Subordinated debt
  • $23,195All other liabilities
  • $23,195Total equity capital
  • $23,195Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $700Surplus
  • $22,195Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $627Income earned, not collected on loans
  • $0Earning assets
  • $904Long-term assets (5+ years)
  • $115,053Average Assets, year-to-date
  • $38,073Average Assets, quarterly
  • $122,650Volatile liabilities
  • $124,785Insider loans
  • $77,057FHLB advances
  • $125,226Loans and leases held for sale
  • $3,147Unused loan commitments
  • $1,788Tier 1 (core) risk-based capital
  • $21,180Tier 2 risk-based capital
  • $1,359Total risk weighted assets
  • $0Total unused commitments
  • $6,804Restructured Loans and leases
  • $43Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,727Total interest income
  • $891Total interest expense
  • $5,836Net interest income
  • $125Provision for loan and lease losses
  • $997Total noninterest income
  • $0Fiduciary activities
  • $363Service charges on deposit accounts
  • $0Trading account gains & fees
  • $634Additional noninterest income
  • $3,938Total noninterest expense
  • $2,714Salaries and employee benefits
  • $292Premises and equipment expense
  • $932Additional noninterest expense
  • $2,770Pre-tax net operating income
  • $17Securities gains (losses)
  • $0Applicable income taxes
  • $2,787Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,787Net income attributable to bank
  • $0Net charge-offs
  • $2,787Cash dividends
  • $203Sale, conversion, retirement of capital stock, net
  • $1,320Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.94%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 5.15%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • 2.26%Net operating income to assets
  • 2.27%Return on assets (ROA)
  • 2.27%Pretax return on assets
  • 12.68%Return on equity (ROE)
  • 6.67%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 61.58%Credit loss provision to net charge-offs
  • 14.26%Efficiency ratio
  • 57,632Assets per employee
  • 4.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.36%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 142.90%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 0.87%Net loans and leases to deposits
  • 70.45%Net loans and leases to core deposits
  • 73.13%Equity capital to assets
  • 18.60%Core capital (leverage) ratio
  • 16.91%Tier 1 risk-based capital ratio
  • 27.49%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $122,650Average earning assets
  • $21,978Average equity
  • $113,238Average loans

List of branches

  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07945The Payne County Bank202 South Main Street, Perkins, OK 74059January 08, 1898Full Service Brick and Mortar

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