FDIC Certificate #: 22340 Status: Active Federal Reserve ID: 192857 Bank Holding Company (Regulatory Top Holder): Panhandle Bancshares, Inc. (RSSDID: 2623001, Location: Guymon, OK) Date Established: October 12, 1976 WWW:http://www.bopguymon.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 14345 FDIC's unique #: 15549 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: Commercial Lending Specialization Date of Deposit Insurance: October 12, 1976 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: 13th And Main Streets, Guymon, OK 73942 County: Texas 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 Core Based Statistical Area (CBSA): Guymon, OK (#25100) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $137.6 mil Equity capital: $15.8 mil Deposits held in domestic offices: $110.0 mil Return on assets (ROA): 1.61% ($2.2 mil) Quarterly return on assets: 1.73% ($2.4 mil) Return on Equity (ROE): 14.04% ($2.2 mil) Quarterly return on equity: 15.01% ($2.4 mil) Net income: $2.1 mil Quarterly Net income: $0.6 mil Pretax return on assets: 1.61% ($2,215.7 mil) Quarterly Pretax return on assets: 1.73% ($2,380.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
30Total employees (full-time equivalent)
$137,619Total assets
$15,813Cash and due from depository institutions
$13,125Interest-bearing balances
$61,355Securities
$0Federal funds sold & reverse repurchase agreements
$55,805Net loans & leases
$1,006Loan loss allowance
$0Trading account assets
$1,689Bank premises and fixed assets
$75Other real estate owned
$36Goodwill and other intangibles
$137,619Life insurance assets
$2,846All other assets
$121,790Total liabilities and capital
$110,032Total liabilities
$92,205Total deposits
$110,032Interest-bearing deposits
$80Deposits held in domestic offices
3578.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$7,597Trading liabilities
$0Other borrowed funds
$583Subordinated debt
$15,829All other liabilities
$15,829Total equity capital
$15,829Total bank equity capital
$0Perpetual preferred stock
$630Common stock
$900Surplus
$14,299Undivided profits
Memoranda
$0Noncurrent loans and leases
$770Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$153Income earned, not collected on loans
$0Earning assets
$789Long-term assets (5+ years)
$130,285Average Assets, year-to-date
$79,129Average Assets, quarterly
$130,083Volatile liabilities
$137,375Insider loans
$78,528FHLB advances
$135,958Loans and leases held for sale
$1,102Unused loan commitments
$1,102Tier 1 (core) risk-based capital
$14,296Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,652Restructured Loans and leases
$2,305Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,619Total interest income
$1,273Total interest expense
$4,346Net interest income
$90Provision for loan and lease losses
$1,194Total noninterest income
$0Fiduciary activities
$459Service charges on deposit accounts
$0Trading account gains & fees
$735Additional noninterest income
$3,438Total noninterest expense
$1,991Salaries and employee benefits
$284Premises and equipment expense
$1,163Additional noninterest expense
$2,012Pre-tax net operating income
$85Securities gains (losses)
$0Applicable income taxes
$2,097Income before extraordinary items
$0Extraordinary gains - net
$2,097Net income attributable to bank
$0Net charge-offs
$2,097Cash dividends
-$58Sale, conversion, retirement of capital stock, net
$985Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.56%Yield on earning assets
1.03%Cost of funding earning assets
3.52%Net interest margin
0.97%Noninterest income to earning assets
2.79%Noninterest expense to earning assets
1.55%Net operating income to assets
1.61%Return on assets (ROA)
1.61%Pretax return on assets
14.04%Return on equity (ROE)
7.45%Retained earnings to average equity (YTD only)
-0.10%Net charge-offs to loans
-155.17%Credit loss provision to net charge-offs
0.00%Efficiency ratio
62,058Assets per employee
4.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
46.97%Loss allowance to loans
1.77%Loss allowance to noncurrent loans
657.52%Noncurrent assets plus other real estate owned to assets
0.17%Noncurrent loans to loans
0.27%Net loans and leases to deposits
50.72%Net loans and leases to core deposits
54.95%Equity capital to assets
11.50%Core capital (leverage) ratio
10.52%Tier 1 risk-based capital ratio
18.20%Total risk-based capital ratio
Memoranda
$19Average assets
$130,083Average earning assets
$14,936Average equity
$123,341Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
15549
Bank Of The Panhandle
13th And Main Streets, Guymon, OK 73942
October 12, 1976
Full Service Brick and Mortar
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