First National Bank of Roland in Roland, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 12, 2000

First National Bank of Roland in Roland, Oklahoma (OK)
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First National Bank of Roland - Overview

General
FDIC Certificate #: 23171
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First National Bank, Sallisaw (#19288)
Federal Reserve ID: 528054
Date Established: August 13, 1980
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
FDIC's unique #: 16234
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: August 13, 1980
Last Structure Change Effective Date: March 12, 2000
Last Structure Change Process Date: May 01, 2000
Last Data Update: May 01, 2000
Data Source Date: April 05, 2012
Location
Address: 100 East Ray Fine Boulevard, Roland, OK 74954
County: Sequoyah
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
Metropolitan Statistical Area (MSA): Fort Smith, AR-OK (#2720)
Core Based Statistical Area (CBSA): Fort Smith, AR-OK (#22900)
CBSA Metro Statistical Area: Fort Smith, AR-OK (#22900)
Financial Summary
Total assets: $51.9 mil

1992 - 1999 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, 1999)

Dollar figures in thousands
24Total employees (full-time equivalent)
$51,926Total assets
$2,839Cash and due from depository institutions
$0Interest-bearing balances
$14,243Securities
$1,200Federal funds sold & reverse repurchase agreements
$32,206Net loans & leases
$426Loan loss allowance
$0Trading account assets
$677Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$761All other assets
$51,926Total liabilities and capital
$48,277Total liabilities
$46,886Total deposits
$40,997Interest-bearing deposits
$46,886Deposits held in domestic offices
0.00%% insured (estimated)
$1,162Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$229All other liabilities
$3,649Total equity capital
$3,649Total bank equity capital
$3,649Perpetual preferred stock
$0Common stock
$448Surplus
$503Undivided profits
Memoranda
$2,698Noncurrent loans and leases
$1,758Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$299Earning assets
$0Long-term assets (5+ years)
$202Average Assets, year-to-date
$47,649Average Assets, quarterly
$2,061Volatile liabilities
$56,167Insider loans
$53,100FHLB advances
$12,672Loans and leases held for sale
$329Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,758Total unused commitments
$49Restructured Loans and leases
$426Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$4,262Total interest income
$2,063Total interest expense
$2,199Net interest income
$487Provision for loan and lease losses
$419Total noninterest income
$0Fiduciary activities
$327Service charges on deposit accounts
$0Trading account gains & fees
$92Additional noninterest income
$1,523Total noninterest expense
$709Salaries and employee benefits
$171Premises and equipment expense
$643Additional noninterest expense
$608Pre-tax net operating income
-$3Securities gains (losses)
$158Applicable income taxes
$447Income before extraordinary items
$0Extraordinary gains - net
$447Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$393Sale, conversion, retirement of capital stock, net
$373Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.11%Yield on earning assets
3.93%Cost of funding earning assets
4.19%Net interest margin
0.80%Noninterest income to earning assets
2.90%Noninterest expense to earning assets
0.80%Net operating income to assets
0.80%Return on assets (ROA)
1.08%Pretax return on assets
12.08%Return on equity (ROE)
2.00%Retained earnings to average equity (YTD only)
1.15%Net charge-offs to loans
123.92%Credit loss provision to net charge-offs
2.79%Efficiency ratio
58,174Assets per employee
2.16%Cash dividends to net income (YTD only)
Condition Ratios (%)
83.45%Loss allowance to loans
1.31%Loss allowance to noncurrent loans
142.47%Noncurrent assets plus other real estate owned to assets
0.58%Noncurrent loans to loans
0.92%Net loans and leases to deposits
68.69%Net loans and leases to core deposits
91.04%Equity capital to assets
7.03%Core capital (leverage) ratio
6.87%Tier 1 risk-based capital ratio
10.58%Total risk-based capital ratio
Memoranda
$12Average assets
$56,167Average earning assets
$3,702Average equity
$52,521Average loans

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