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

This bank is inactive as of January 01, 2000

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

  • General
  • FDIC Certificate #: 4184
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Vision Bank, National Association (#4029)
    Federal Reserve ID: 646154
    Date Established: April 05, 1906
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    OTS Docket #: 14178
    FDIC's unique #: 2738
    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: January 01, 2000
    Last Structure Change Process Date: Febuary 02, 2000
    Last Data Update: Febuary 02, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 820-824 Broadway, Prague, OK 74864
    County: Lincoln
    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
    Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416)
    Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420)
    CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
  • Financial Summary
  • Total assets: $73.5 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 37Total employees (full-time equivalent)
  • $73,489Total assets
  • $2,332Cash and due from depository institutions
  • $26Interest-bearing balances
  • $44,342Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $24,275Net loans & leases
  • $416Loan loss allowance
  • $0Trading account assets
  • $1,157Bank premises and fixed assets
  • $115Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,268All other assets
  • $73,489Total liabilities and capital
  • $67,628Total liabilities
  • $63,198Total deposits
  • $56,167Interest-bearing deposits
  • $63,198Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $83Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $4,000Other borrowed funds
  • $0Subordinated debt
  • $347All other liabilities
  • $5,861Total equity capital
  • $5,861Total bank equity capital
  • $5,861Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $800Undivided profits
  • Memoranda
  • $4,861Noncurrent loans and leases
  • $2,608Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $626Earning assets
  • $0Long-term assets (5+ years)
  • $243Average Assets, year-to-date
  • $68,643Average Assets, quarterly
  • $21,793Volatile liabilities
  • $75,238Insider loans
  • $75,359FHLB advances
  • $8,705Loans and leases held for sale
  • $2,007Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,608Total unused commitments
  • $0Restructured Loans and leases
  • $408Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $5,141Total interest income
  • $2,755Total interest expense
  • $2,386Net interest income
  • $62Provision for loan and lease losses
  • $583Total noninterest income
  • $0Fiduciary activities
  • $328Service charges on deposit accounts
  • $0Trading account gains & fees
  • $255Additional noninterest income
  • $1,951Total noninterest expense
  • $1,159Salaries and employee benefits
  • $284Premises and equipment expense
  • $508Additional noninterest expense
  • $956Pre-tax net operating income
  • -$52Securities gains (losses)
  • $231Applicable income taxes
  • $673Income before extraordinary items
  • $0Extraordinary gains - net
  • $673Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $46Sale, conversion, retirement of capital stock, net
  • $850Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.20%Yield on earning assets
  • 3.86%Cost of funding earning assets
  • 3.34%Net interest margin
  • 0.82%Noninterest income to earning assets
  • 2.73%Noninterest expense to earning assets
  • 0.95%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 10.62%Return on equity (ROE)
  • -2.79%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 134.78%Credit loss provision to net charge-offs
  • 22.13%Efficiency ratio
  • 65,712Assets per employee
  • 1.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 126.30%Loss allowance to loans
  • 1.68%Loss allowance to noncurrent loans
  • 66.45%Noncurrent assets plus other real estate owned to assets
  • 1.01%Noncurrent loans to loans
  • 2.54%Net loans and leases to deposits
  • 38.41%Net loans and leases to core deposits
  • 42.91%Equity capital to assets
  • 7.98%Core capital (leverage) ratio
  • 8.36%Tier 1 risk-based capital ratio
  • 19.75%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $75,238Average earning assets
  • $6,336Average equity
  • $71,398Average loans

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