FDIC Certificate #: 15694 Status: Active Federal Reserve ID: 947150 Bank Holding Company (Regulatory Top Holder): Waukomis Bancshares, Inc. (RSSDID: 2972464, Location: Yukon, OK) Date Established: April 01, 1939 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9962 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 31, 1939 Last Structure Change Effective Date: May 26, 2006 Last Structure Change Process Date: July 10, 2006 Last Data Update: July 10, 2006 Data Source Date: April 05, 2012
Location
Address: 309 South Ranchwood Boulevard, Yukon, OK 73099 County: Canadian 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 Metropolitan Statistical Area (MSA): Oklahoma City, OK (#5880) Combined Statistical Area (CSA): Oklahoma City-Shawnee, OK (#416) Core Based Statistical Area (CBSA): Oklahoma City, OK (#36420) CBSA Metro Statistical Area: Oklahoma City, OK (#36420)
History of Changes
Change in Location
Financial Summary
Total assets: $19.0 mil Equity capital: $1.7 mil Deposits held in domestic offices: $17.2 mil Return on assets (ROA): 1.29% ($0.2 mil) Quarterly return on assets: 0.96% ($0.2 mil) Return on Equity (ROE): 14.18% ($0.3 mil) Quarterly return on equity: 10.79% ($0.2 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.29% ($244.6 mil) Quarterly Pretax return on assets: 0.96% ($182.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$18,964Total assets
$1,011Cash and due from depository institutions
$402Interest-bearing balances
$0Securities
$3,107Federal funds sold & reverse repurchase agreements
$13,952Net loans & leases
$117Loan loss allowance
$0Trading account assets
$718Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$18,964Life insurance assets
$176All other assets
$17,236Total liabilities and capital
$17,219Total liabilities
$10,679Total deposits
$17,219Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$17Subordinated debt
$1,728All other liabilities
$1,728Total equity capital
$1,728Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$1,335Surplus
$293Undivided profits
Memoranda
$0Noncurrent loans and leases
$522Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$69Long-term assets (5+ years)
$17,461Average Assets, year-to-date
$1,135Average Assets, quarterly
$17,550Volatile liabilities
$19,101Insider loans
$13,356FHLB advances
$18,436Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,728Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,412Restructured Loans and leases
$203Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,019Total interest income
$175Total interest expense
$844Net interest income
$15Provision for loan and lease losses
$379Total noninterest income
$0Fiduciary activities
$52Service charges on deposit accounts
$0Trading account gains & fees
$327Additional noninterest income
$982Total noninterest expense
$660Salaries and employee benefits
$69Premises and equipment expense
$253Additional noninterest expense
$226Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$226Income before extraordinary items
$0Extraordinary gains - net
$226Net income attributable to bank
$0Net charge-offs
$226Cash dividends
$4Sale, conversion, retirement of capital stock, net
$105Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.37%Yield on earning assets
1.09%Cost of funding earning assets
5.28%Net interest margin
2.37%Noninterest income to earning assets
6.14%Noninterest expense to earning assets
1.29%Net operating income to assets
1.29%Return on assets (ROA)
1.29%Pretax return on assets
14.18%Return on equity (ROE)
7.59%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
375.00%Credit loss provision to net charge-offs
60.25%Efficiency ratio
80,294Assets per employee
2.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
46.46%Loss allowance to loans
0.83%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
81.03%Net loans and leases to core deposits
81.03%Equity capital to assets
9.11%Core capital (leverage) ratio
9.37%Tier 1 risk-based capital ratio
12.94%Total risk-based capital ratio
Memoranda
$14Average assets
$17,550Average earning assets
$1,594Average equity
$15,985Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9962
First State Bank
309 South Ranchwood Boulevard, Yukon, OK 73099
April 01, 1939
Full Service Brick and Mortar
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