American Bank of Pryor in Pryor, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 27, 1996

American Bank of Pryor in Pryor, Oklahoma (OK)
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American Bank of Pryor - Overview

General
FDIC Certificate #: 16749
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: RCB Bank (#15399)
Federal Reserve ID: 523358
Date Established: November 22, 1948
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 10864
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: November 22, 1948
Last Structure Change Effective Date: September 27, 1996
Last Structure Change Process Date: November 07, 1996
Last Data Update: November 07, 1996
Data Source Date: April 05, 2012
Location
Address: 222 S.E. First Street, Pryor, OK 74361
County: Mayes
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
Financial Summary
Total assets: $91.6 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$35Total assets
$89,412Cash and due from depository institutions
$3,152Interest-bearing balances
$0Securities
$46,592Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$37,615Loan loss allowance
$1,079Trading account assets
$0Bank premises and fixed assets
$771Other real estate owned
$0Goodwill and other intangibles
$1,282Life insurance assets
$0All other assets
$0Total liabilities and capital
$89,412Total liabilities
$81,818Total deposits
$79,994Interest-bearing deposits
$69,690Deposits held in domestic offices
79994.00%% insured (estimated)
$88Federal funds purchased & repurchase agreements
$890Trading liabilities
$0Other borrowed funds
$471Subordinated debt
$0All other liabilities
$463Total equity capital
$463Total bank equity capital
$7,594Perpetual preferred stock
$0Common stock
$750Surplus
$4,365Undivided profits
Memoranda
$2,479Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$353Income earned, not collected on loans
$263Earning assets
$84,207Long-term assets (5+ years)
$12,904Average Assets, year-to-date
$86,664Average Assets, quarterly
$88,623Volatile liabilities
$6,334Insider loans
$1,482FHLB advances
$0Loans and leases held for sale
$1,405Unused loan commitments
$5,463Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$7,456Total risk weighted assets
$38,772Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$6,276Total interest expense
$3,111Net interest income
$3,165Provision for loan and lease losses
$0Total noninterest income
$599Fiduciary activities
$0Service charges on deposit accounts
$480Trading account gains & fees
$0Additional noninterest income
$119Total noninterest expense
$2,054Salaries and employee benefits
$1,165Premises and equipment expense
$191Additional noninterest expense
$698Pre-tax net operating income
$1,710Securities gains (losses)
$0Applicable income taxes
$502Income before extraordinary items
$1,208Extraordinary gains - net
$0Net income attributable to bank
$1,208Net charge-offs
$33Cash dividends
$400Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.68%Cost of funding earning assets
3.81%Net interest margin
3.87%Noninterest income to earning assets
0.73%Noninterest expense to earning assets
2.51%Net operating income to assets
1.39%Return on assets (ROA)
1.39%Pretax return on assets
1.97%Return on equity (ROE)
17.31%Retained earnings to average equity (YTD only)
11.58%Net charge-offs to loans
0.09%Credit loss provision to net charge-offs
0.00%Efficiency ratio
54,570Assets per employee
2.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
33.11%Loss allowance to loans
2.79%Loss allowance to noncurrent loans
305.67%Noncurrent assets plus other real estate owned to assets
0.39%Noncurrent loans to loans
0.91%Net loans and leases to deposits
47.02%Net loans and leases to core deposits
50.14%Equity capital to assets
8.49%Core capital (leverage) ratio
8.45%Tier 1 risk-based capital ratio
19.23%Total risk-based capital ratio
Memoranda
$20Average assets
$86,664Average earning assets
$6,980Average equity
$81,728Average loans

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