The Peoples National Bank in Kingfisher, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 22, 1997

  • The Peoples National Bank in Kingfisher, Oklahoma (OK)
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The Peoples National Bank - Overview

  • General
  • FDIC Certificate #: 4128
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Gold BANK (#413)
    Federal Reserve ID: 821755
    Date Established: March 01, 1891
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Interstate: No)
    FDIC's unique #: 2692
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 22, 1997
    Last Structure Change Process Date: October 03, 1997
    Last Data Update: October 03, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 320 North Main Street, Kingfisher, OK 73750
    County: Kingfisher
    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
  • Financial Summary
  • Total assets: $150.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $67Total assets
  • $154,254Cash and due from depository institutions
  • $5,060Interest-bearing balances
  • $0Securities
  • $30,658Federal funds sold & reverse repurchase agreements
  • $15,500Net loans & leases
  • $94,857Loan loss allowance
  • $1,725Trading account assets
  • $0Bank premises and fixed assets
  • $4,158Other real estate owned
  • $280Goodwill and other intangibles
  • $1,553Life insurance assets
  • $2,188All other assets
  • $0Total liabilities and capital
  • $154,254Total liabilities
  • $139,538Total deposits
  • $136,167Interest-bearing deposits
  • $121,738Deposits held in domestic offices
  • 136167.00%% insured (estimated)
  • $86Federal funds purchased & repurchase agreements
  • $1,049Trading liabilities
  • $0Other borrowed funds
  • $805Subordinated debt
  • $0All other liabilities
  • $1,517Total equity capital
  • $1,517Total bank equity capital
  • $14,716Perpetual preferred stock
  • $0Common stock
  • $2,200Surplus
  • $12,022Undivided profits
  • Memoranda
  • $494Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,785Income earned, not collected on loans
  • $1,253Earning assets
  • $141,015Long-term assets (5+ years)
  • $6,691Average Assets, year-to-date
  • $145,415Average Assets, quarterly
  • $148,584Volatile liabilities
  • $12,449Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $15,352Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $12,430Total risk weighted assets
  • $102,980Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,871Total interest expense
  • $1,326Net interest income
  • $1,545Provision for loan and lease losses
  • $120Total noninterest income
  • $315Fiduciary activities
  • $19Service charges on deposit accounts
  • $199Trading account gains & fees
  • $0Additional noninterest income
  • $97Total noninterest expense
  • $1,114Salaries and employee benefits
  • $611Premises and equipment expense
  • $182Additional noninterest expense
  • $321Pre-tax net operating income
  • $626Securities gains (losses)
  • $0Applicable income taxes
  • $230Income before extraordinary items
  • $396Extraordinary gains - net
  • $0Net income attributable to bank
  • $396Net charge-offs
  • -$97Cash dividends
  • $400Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 2.14%Cost of funding earning assets
  • 0.99%Net interest margin
  • 1.15%Noninterest income to earning assets
  • 0.23%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.27%Return on assets (ROA)
  • 0.27%Pretax return on assets
  • 0.43%Return on equity (ROE)
  • 3.44%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • -0.10%Credit loss provision to net charge-offs
  • -123.71%Efficiency ratio
  • 57,903Assets per employee
  • 2.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 101.01%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 96.64%Noncurrent assets plus other real estate owned to assets
  • 1.34%Noncurrent loans to loans
  • 1.85%Net loans and leases to deposits
  • 69.66%Net loans and leases to core deposits
  • 75.54%Equity capital to assets
  • 9.54%Core capital (leverage) ratio
  • 8.18%Tier 1 risk-based capital ratio
  • 12.07%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $145,415Average earning assets
  • $11,495Average equity
  • $134,445Average loans

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