FDIC Certificate #: 18063 Status: Active Federal Reserve ID: 474656 Bank Holding Company (Regulatory Top Holder): Waynoka Bancshares, Inc. (RSSDID: 1067260, Location: Waynoka, OK) Date Established: July 20, 1959 WWW:http://www.fsbway.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 #: 53223 FDIC's unique #: 11987 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: July 20, 1959 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: 100 South Missouri Street, Waynoka, OK 73860 County: Woods 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $21.9 mil Equity capital: $3.3 mil Deposits held in domestic offices: $18.5 mil Return on assets (ROA): 1.09% ($0.2 mil) Quarterly return on assets: 0.37% ($0.1 mil) Return on Equity (ROE): 7.20% ($0.2 mil) Quarterly return on equity: 2.39% ($0.1 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 1.09% ($238.6 mil) Quarterly Pretax return on assets: 0.37% ($81.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$21,886Total assets
$982Cash and due from depository institutions
$0Interest-bearing balances
$12,478Securities
$2,717Federal funds sold & reverse repurchase agreements
$5,225Net loans & leases
$176Loan loss allowance
$0Trading account assets
$36Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$21,885Life insurance assets
$448All other assets
$18,589Total liabilities and capital
$18,462Total liabilities
$13,606Total deposits
$18,462Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$127Subordinated debt
$3,296All other liabilities
$3,296Total equity capital
$3,296Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$550Surplus
$2,596Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$57Income earned, not collected on loans
$0Earning assets
$165Long-term assets (5+ years)
$20,420Average Assets, year-to-date
$11,215Average Assets, quarterly
$20,861Volatile liabilities
$21,614Insider loans
$11,432FHLB advances
$21,258Loans and leases held for sale
$147Unused loan commitments
$147Tier 1 (core) risk-based capital
$2,917Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$71Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$792Total interest income
$123Total interest expense
$669Net interest income
$6Provision for loan and lease losses
$310Total noninterest income
$0Fiduciary activities
$93Service charges on deposit accounts
$0Trading account gains & fees
$217Additional noninterest income
$745Total noninterest expense
$352Salaries and employee benefits
$106Premises and equipment expense
$287Additional noninterest expense
$228Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$228Income before extraordinary items
$0Extraordinary gains - net
$228Net income attributable to bank
$0Net charge-offs
$228Cash dividends
$11Sale, conversion, retirement of capital stock, net
$114Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.03%Yield on earning assets
0.63%Cost of funding earning assets
3.40%Net interest margin
1.58%Noninterest income to earning assets
3.79%Noninterest expense to earning assets
1.09%Net operating income to assets
1.09%Return on assets (ROA)
1.09%Pretax return on assets
7.20%Return on equity (ROE)
3.60%Retained earnings to average equity (YTD only)
0.19%Net charge-offs to loans
54.55%Credit loss provision to net charge-offs
21.27%Efficiency ratio
76,098Assets per employee
2.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.00%Loss allowance to loans
3.26%Loss allowance to noncurrent loans
308.77%Noncurrent assets plus other real estate owned to assets
0.26%Noncurrent loans to loans
1.06%Net loans and leases to deposits
28.30%Net loans and leases to core deposits
28.30%Equity capital to assets
15.06%Core capital (leverage) ratio
13.72%Tier 1 risk-based capital ratio
25.52%Total risk-based capital ratio
Memoranda
$27Average assets
$20,861Average earning assets
$3,165Average equity
$19,657Average loans
List of branches
1 Oklahoma Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11987
First State Bank
100 South Missouri Street, Waynoka, OK 73860
July 20, 1959
Full Service Brick and Mortar
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