FDIC Certificate #: 4171 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Citizens Security Bank & Trust Company (#10667) Federal Reserve ID: 696056 Date Established: August 12, 1933 WWW:http://www.citizensbankok.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 5 (Interstate: No) FDIC's unique #: 2729 Numeric code: 13 Regulator: FED 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: January 01, 1934 Last Structure Change Effective Date: January 01, 2005 Last Structure Change Process Date: January 10, 2005 Last Data Update: January 10, 2005 Data Source Date: April 05, 2012
Location
Address: 101 East Main Street, Okmulgee, OK 74447 County: Okmulgee 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): Tulsa-Bartlesville, OK (#538) Core Based Statistical Area (CBSA): Tulsa, OK (#46140) CBSA Metro Statistical Area: Tulsa, OK (#46140)
Financial Summary
Total assets: $154.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
76Total employees (full-time equivalent)
$154,291Total assets
$6,160Cash and due from depository institutions
$2,036Interest-bearing balances
$24,281Securities
$1,937Federal funds sold & reverse repurchase agreements
$112,637Net loans & leases
$756Loan loss allowance
$0Trading account assets
$7,234Bank premises and fixed assets
$156Other real estate owned
$79Goodwill and other intangibles
$0Life insurance assets
$1,807All other assets
$154,291Total liabilities and capital
$144,036Total liabilities
$135,781Total deposits
$115,387Interest-bearing deposits
$135,781Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$7,800Other borrowed funds
$0Subordinated debt
$455All other liabilities
$10,255Total equity capital
$10,255Total bank equity capital
$10,255Perpetual preferred stock
$0Common stock
$500Surplus
$750Undivided profits
Memoranda
$9,005Noncurrent loans and leases
$12,471Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$719Earning assets
$0Long-term assets (5+ years)
$608Average Assets, year-to-date
$140,891Average Assets, quarterly
$21,214Volatile liabilities
$146,534Insider loans
$151,338FHLB advances
$18,671Loans and leases held for sale
$1,391Unused loan commitments
$7,800Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$12,471Total unused commitments
$0Restructured Loans and leases
$756Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$7,810Total interest income
$1,671Total interest expense
$6,139Net interest income
$255Provision for loan and lease losses
$1,840Total noninterest income
$2Fiduciary activities
$1,210Service charges on deposit accounts
$0Trading account gains & fees
$628Additional noninterest income
$5,998Total noninterest expense
$3,629Salaries and employee benefits
$728Premises and equipment expense
$1,641Additional noninterest expense
$1,726Pre-tax net operating income
$20Securities gains (losses)
$647Applicable income taxes
$1,099Income before extraordinary items
$0Extraordinary gains - net
$1,099Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$199Sale, conversion, retirement of capital stock, net
$240Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.86%Yield on earning assets
1.25%Cost of funding earning assets
4.60%Net interest margin
1.38%Noninterest income to earning assets
4.50%Noninterest expense to earning assets
0.74%Net operating income to assets
0.75%Return on assets (ROA)
1.19%Pretax return on assets
11.17%Return on equity (ROE)
8.73%Retained earnings to average equity (YTD only)
0.20%Net charge-offs to loans
128.14%Credit loss provision to net charge-offs
9.95%Efficiency ratio
74,257Assets per employee
2.03%Cash dividends to net income (YTD only)
Condition Ratios (%)
21.84%Loss allowance to loans
0.67%Loss allowance to noncurrent loans
105.15%Noncurrent assets plus other real estate owned to assets
0.57%Noncurrent loans to loans
0.63%Net loans and leases to deposits
82.95%Net loans and leases to core deposits
93.00%Equity capital to assets
6.65%Core capital (leverage) ratio
6.83%Tier 1 risk-based capital ratio
9.62%Total risk-based capital ratio
Memoranda
$10Average assets
$146,534Average earning assets
$9,838Average equity
$133,375Average loans
Total Fiduciary and Related Assets (December 31, 2004)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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