Wilburton State Bank in Wilburton, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

Wilburton State Bank - Overview

  • General
  • FDIC Certificate #: 2332
    Status: Active
    Federal Reserve ID: 50854
    Bank Holding Company (Regulatory Top Holder): Wilburton State Bancshares, Inc. (RSSDID: 1022625, Location: Wilburton, OK)
    Date Established: April 16, 1928
    WWW: http://www.wilburtonstatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 1547
    Numeric code: 21
    Regulator: FDIC
    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: 123 East Main Street, Wilburton, OK 74578
    County: Latimer
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $62.7 mil
    Equity capital: $5.5 mil
    Deposits held in domestic offices: $57.1 mil
    Return on assets (ROA): 1.58% ($1.0 mil)
    Quarterly return on assets: 1.15% ($0.7 mil)
    Return on Equity (ROE): 18.12% ($1.1 mil)
    Quarterly return on equity: 12.97% ($0.8 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.58% ($990.1 mil)
    Quarterly Pretax return on assets: 1.15% ($720.6 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
  • 22Total employees (full-time equivalent)
  • $62,662Total assets
  • $12,537Cash and due from depository institutions
  • $9,071Interest-bearing balances
  • $17,857Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $29,261Net loans & leases
  • $518Loan loss allowance
  • $0Trading account assets
  • $2,185Bank premises and fixed assets
  • $0Other real estate owned
  • $340Goodwill and other intangibles
  • $62,663Life insurance assets
  • $482All other assets
  • $57,155Total liabilities and capital
  • $57,071Total liabilities
  • $43,640Total deposits
  • $57,071Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $84Subordinated debt
  • $5,508All other liabilities
  • $5,508Total equity capital
  • $5,508Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $1,750Surplus
  • $3,258Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $44Income earned, not collected on loans
  • $0Earning assets
  • $295Long-term assets (5+ years)
  • $56,189Average Assets, year-to-date
  • $16,047Average Assets, quarterly
  • $62,537Volatile liabilities
  • $62,872Insider loans
  • $33,019FHLB advances
  • $62,663Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,532Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,461Restructured Loans and leases
  • $96Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,926Total interest income
  • $472Total interest expense
  • $2,454Net interest income
  • $110Provision for loan and lease losses
  • $574Total noninterest income
  • $0Fiduciary activities
  • $375Service charges on deposit accounts
  • $0Trading account gains & fees
  • $199Additional noninterest income
  • $1,932Total noninterest expense
  • $975Salaries and employee benefits
  • $309Premises and equipment expense
  • $648Additional noninterest expense
  • $986Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $986Income before extraordinary items
  • $0Extraordinary gains - net
  • $986Net income attributable to bank
  • $0Net charge-offs
  • $986Cash dividends
  • $253Sale, conversion, retirement of capital stock, net
  • $730Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.24%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 4.39%Net interest margin
  • 1.03%Noninterest income to earning assets
  • 3.46%Noninterest expense to earning assets
  • 1.58%Net operating income to assets
  • 1.58%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 18.12%Return on equity (ROE)
  • 4.71%Retained earnings to average equity (YTD only)
  • 0.83%Net charge-offs to loans
  • 43.48%Credit loss provision to net charge-offs
  • 4.33%Efficiency ratio
  • 63,804Assets per employee
  • 2.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 74.04%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 1177.27%Noncurrent assets plus other real estate owned to assets
  • 0.07%Noncurrent loans to loans
  • 0.15%Net loans and leases to deposits
  • 51.27%Net loans and leases to core deposits
  • 54.86%Equity capital to assets
  • 8.79%Core capital (leverage) ratio
  • 7.23%Tier 1 risk-based capital ratio
  • 13.73%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $62,537Average earning assets
  • $5,441Average equity
  • $55,867Average loans

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01547Wilburton State Bank123 East Main Street, Wilburton, OK 74578April 16, 1928Full Service Brick and Mortar
    1192492Drive-In Branch741 Hwy 2 North, Wilburton, OK 74578April 27, 1971Full Service Brick and Mortar

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