FDIC Certificate #: 24626 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Gold BANK (#413) Federal Reserve ID: 292252 Date Established: July 22, 1983 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 3 (Interstate: No) OTS Docket #: 9528 FDIC's unique #: 17100 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: July 22, 1983 Last Structure Change Effective Date: November 06, 1998 Last Structure Change Process Date: Febuary 18, 1999 Last Data Update: Febuary 18, 1999 Data Source Date: April 05, 2012
Location
Address: 115 North Custer, Weatherford, OK 73096 County: Custer 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): Weatherford, OK (#48220) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $57.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
19Total employees (full-time equivalent)
$61,183Total assets
$2,919Cash and due from depository institutions
$0Interest-bearing balances
$23,415Securities
$7,775Federal funds sold & reverse repurchase agreements
$23,443Net loans & leases
$177Loan loss allowance
$0Trading account assets
$1,701Bank premises and fixed assets
$0Other real estate owned
$1,221Goodwill and other intangibles
$0Life insurance assets
$709All other assets
$61,183Total liabilities and capital
$55,502Total liabilities
$54,546Total deposits
$46,325Interest-bearing deposits
$54,546Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$956All other liabilities
$5,681Total equity capital
$5,681Total bank equity capital
$5,681Perpetual preferred stock
$0Common stock
$1,000Surplus
$4,335Undivided profits
Memoranda
$346Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$81Earning assets
$0Long-term assets (5+ years)
$441Average Assets, year-to-date
$54,633Average Assets, quarterly
$4,298Volatile liabilities
$58,612Insider loans
$60,225FHLB advances
$8,404Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$5,231Total unused commitments
$0Restructured Loans and leases
$29,760Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$2,119Total interest income
$1,046Total interest expense
$1,073Net interest income
$18Provision for loan and lease losses
$236Total noninterest income
$0Fiduciary activities
$186Service charges on deposit accounts
$0Trading account gains & fees
$50Additional noninterest income
$799Total noninterest expense
$418Salaries and employee benefits
$125Premises and equipment expense
$256Additional noninterest expense
$492Pre-tax net operating income
$0Securities gains (losses)
$191Applicable income taxes
$301Income before extraordinary items
$0Extraordinary gains - net
$301Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$15Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.95%Yield on earning assets
1.95%Cost of funding earning assets
2.00%Net interest margin
0.44%Noninterest income to earning assets
1.49%Noninterest expense to earning assets
0.51%Net operating income to assets
0.51%Return on assets (ROA)
0.84%Pretax return on assets
5.89%Return on equity (ROE)
5.89%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
120.00%Credit loss provision to net charge-offs
34.00%Efficiency ratio
57,678Assets per employee
3.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.75%Loss allowance to noncurrent loans
218.52%Noncurrent assets plus other real estate owned to assets
0.13%Noncurrent loans to loans
0.34%Net loans and leases to deposits
42.98%Net loans and leases to core deposits
50.81%Equity capital to assets
9.29%Core capital (leverage) ratio
7.52%Tier 1 risk-based capital ratio
14.84%Total risk-based capital ratio
Memoranda
$15Average assets
$58,612Average earning assets
$5,111Average equity
$53,690Average loans
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